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  #21  
Old 11.11.2013, 10:26
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Re: Cancelling or changing your health insurance

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Well done, you saved Fr 6,--
Condescending much

to be honest I saved Fr 18,-- as my wife, my daughter and I were with separate insurance providers... agreed it is not much, but I was trying to point out the possibility of an alternate method of termination, which is equally acceptable for the insurance firms...

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if they chose to ignore your e-mail?
.
.
Unfortunately we lost the Post Office receipt, and the 30 day window for any objection had closed
Your example proves that both solutions, that of the registered letter and sending an email have the possibility of eventual failure... technically what I sent out is not an email, rather a message from within the insurance provider's online services portal, personalized for me... this message is digitally retrievable and referable at any point of time, serving as good a purpose as a post office receipt...

In any case, as I said, first I confirmed from the insurance providers about this possibility, only then did I send out the scanned letters of termination from the specified medium, and later received proper acknowledgements of termination via the same medium... so I decided to post about my experience here... I would have stuck to the older method if the insurance companies would have expressed the slightest bit of doubt... but they didn't and yes it saved me Fr 18,-- and a trip to the post office too...
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  #22  
Old 12.12.2013, 14:22
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Re: Cancelling or changing your health insurance

For all of you who now think that de registering with the Gemeinde is an easy exit option, do consider that you will need to make a special tax filing for this occasion. Therefore, if it happens to work out, it's much preferable to deregister as of December 31st.
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  #23  
Old 14.12.2014, 00:21
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Re: Cancelling or changing your health insurance

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Well, it depends on whether they have told you already the cost of the insurance for the next year, and if it has changed.

Because, normally, the deadline for changing Basic Insurance is 3 months , except (though this except is nowadays the NORM) when the rates will increase next year and you are told <3 months before the end. The company must tell you >=2 months before they take effect. In that case you can change with 1 month notice, ie, end November.
I have a related question about my health insurance and would be glad if someone could answer this. I recently moved to Switzerland and signed up for the CSS health insurance in December, and I received the contract for January in which the monthly premium has been raised. I did not know about this when I signed up for the health insurance.

Am I allowed to cancel my health insurance now, and sign up for another health insurance starting January?
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  #24  
Old 14.12.2014, 00:35
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Re: Cancelling or changing your health insurance

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I have a related question about my health insurance and would be glad if someone could answer this. I recently moved to Switzerland and signed up for the CSS health insurance in December, and I received the contract for January in which the monthly premium has been raised. I did not know about this when I signed up for the health insurance.

Am I allowed to cancel my health insurance now, and sign up for another health insurance starting January?
I don't think so.

Most companies and Cantons have upped their prices for 2015, so you'll probably find that yours is still one of the cheapest available.
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Old 14.12.2014, 11:56
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Re: Cancelling or changing your health insurance

Same topic, slightly different question. We only have basic insurance with the max franchise (nothing else makes sense in my opinion unless you have a predictably expensive medical condition). But I have realised that you need to change health insurance every year if you want to stay with the lowest premiums.

So, when I send my application to the new insurer each December, my application could already include a notice of cancellation for the following November. Would that work? If so, it would certainly cut down on the admin. And if the old insurer does happen to remain the cheapest for two years running, then I could just sign up with them again.
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  #26  
Old 14.12.2014, 12:17
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Re: Cancelling or changing your health insurance

Yes, no problem with that at all.
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  #27  
Old 12.03.2015, 14:09
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Re: Cancelling or changing your health insurance

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The magic date for changing your health insurance is the 31st December, and to achieve this correctly you must give notice in writing, preferably by registered letter (Einschreiben) and send it in good time.

A reminder that for the basic health insurance (KVG), one month notice must be given and your resignation letter must arrive in the insurance office on or before Friday 29th November 2013.

For the extra supplementary health insurance (VVG), three months notice in writing is required, your registered letter must arrive on or before Monday 30th September 2013.

Please post your letter a few days earlier than necessary, just to be on the safe side!

What happens if someone is insured with a Swiss health insurance company while they are UK resident and they come back to Switzerland in March as Swiss residents. Are they obligated to continue with the same swiss healh insurance company for basic complimentary and private insurance until end of the calendar year or can they switch to a different insurer in March/April? Thanks
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  #28  
Old 12.03.2015, 14:32
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Re: Cancelling or changing your health insurance

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What happens if someone is insured with a Swiss health insurance company while they are UK resident and they come back to Switzerland in March as Swiss residents. Are they obligated to continue with the same swiss healh insurance company for basic complimentary and private insurance until end of the calendar year or can they switch to a different insurer in March/April? Thanks
Why would you have Swiss health insurance as a UK resident?
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  #29  
Old 12.03.2015, 16:33
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Re: Cancelling or changing your health insurance

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Why would you have Swiss health insurance as a UK resident?
There is a rule in Europe, if you are retired you must take health insurance from the country where you get the largest pension. So they might be Swiss and retired in Britain.
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  #30  
Old 27.12.2015, 21:50
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Re: CSS Health Insurance

Hi,

Is it possible to change the exiting health insurance ( current one from Atupri ) to CSS. Are there any particular months when I can switch and what is the process, if somebody has an idea?

Regards,
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  #31  
Old 27.12.2015, 21:55
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Re: CSS Health Insurance

Yes, of course you can change yearly and yes, it is too late now. I think you need to advice them by the end of November
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  #32  
Old 13.11.2017, 00:57
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Re: Cancelling or changing your health insurance

Do you know what is the procedure when moving to another municipality (Gemeinde) to other?

If the premium costs different in those two municipalities, do you start paying new municipality's rate immediately after you move or at the beginning of the next year?
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  #33  
Old 13.11.2017, 09:37
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Re: Cancelling or changing your health insurance

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Do you know what is the procedure when moving to another municipality (Gemeinde) to other?

If the premium costs different in those two municipalities, do you start paying new municipality's rate immediately after you move or at the beginning of the next year?
If I remember right, it starts the day you official live in the new town. However, your insurer should know best and also be so informed.
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  #34  
Old 16.11.2017, 14:07
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Re: Cancelling or changing your health insurance

Could someone please advise me on this. My insurer wants to raise my insurance for next year quite a bit, both for me and my son, and as far as I understood it that's enough for me to be allowed to change.

But then my coworker says it has to apply to all "sub parts" of the insurance policy, meaning, if something cost $10 last year and it's still $10 for next year, I can't cancel.

I've tried to search for an answer to this but I can't find any. Does anyone know if he's right, or does it only matter if the total amount changes?
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  #35  
Old 16.11.2017, 14:12
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Re: Cancelling or changing your health insurance

You can change your basic insurance every year, you just need to notify the insurer latest by November 30th (registered mail).
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  #36  
Old 16.11.2017, 14:22
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Re: Cancelling or changing your health insurance

For basic health insurance, which is mandatory, see roegner above. With the addition that your new insurance must have sent confirmation to the old insurance by December 31 (happens automatically behind the scenes) so don't wait until the last day with your cancel notice.

For your supplementary insurances, if any, things look different as they're much less strictly regulated. For those check your contract, keeping in mind that your insurance can't couple these contracts with the mandatory part.

Your colleague is probably talking about the supplementary insurances.
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Old 16.11.2017, 14:25
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Re: Cancelling or changing your health insurance

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For basic health insurance, which is mandatory, see roegner above. With the addition that your new insurance must have sent confirmation to the old insurance by December 31 (happens automatically behind the scenes) so don't wait until the last day with your cancel notice.

For your supplementary insurances, if any, things look different as they're much less strictly regulated. For those check your contract, keeping in mind that your insurance can't couple these contracts with the mandatory part.

Your colleague is probably talking about the supplementary insurances.
Thanks, you're exactly right, that was what he meant. Looking through the contracts now, quite the mess, as I expeted
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  #38  
Old 16.11.2017, 14:30
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Re: Cancelling or changing your health insurance

I think it's contingent to every contract that it's cancellable if the conditions change, including the premium. But dates and timeframes may differ (or not) from those applicable to mandatory insurance.
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  #39  
Old 16.11.2017, 16:00
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Re: Cancelling or changing your health insurance

As a general rule, a change in the conditions of a contract (the premiums, in this case) requires the creation of a new contract. When this happens, either of the parties to the contract have the right to refuse to participate in the new, revised contract.

The catch is that failure to withdraw from the contract within a certain time frame (30 days, for example) after the revisions are announced can be interpreted as passive acceptance of the new contract.

If your health insurance provider raises your premiums, you generally have the right to terminate the policy. This applies to compulsory and supplementary health insurance.

This does not apply when your premium increases as a result of moving to another premium region, because you agree to the premiums applicable to all premium regions when you sign the contract. As long as the premiums applicable to relevant regions remain unchanged from the time you take out the policy, you do not have the right to terminate it outside of the regular notice periods.

These articles provide some useful information on the topic:

https://www.moneyland.ch/en/suppleme...rminate-policy
https://www.moneyland.ch/en/changing...rance-mid-year
https://www.moneyland.ch/en/cancel-s...surance-policy
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