I want to change my health insurance for 2016.
Currently I'm with Sanagate on their Hausartzversicherung policy.
What I really want is a Basic Insurance (Standard Model) that lets me be treated in the whole of Switzerland (Allgemein für Ganze Schweiz). Does that exist?
I was under the impression that all basic insurance only covered you for costs in your Canton, but my Dr seemed surprised that I wasn't covered for the whole of Switzerland. The hospitals in Wallis aren't the best, so often you are sent to Bern, and I'm never sure if my insurance will cover the full costs.
So is this possible without getting supplementary insurance? If so how/where?
Secondly, Sanagate are one of the cheapest for me and they are not terrible. But they are not great either. They are slow to pay back, if they can find a reason not to pay, then they won't, they make me nervous. Can anyone recommend a good company? I don't want to pay a massive amount more, but would increase payment a bit for good service/peace of mind.
Lastly, what is the cut off date for cancelling insurance? End of November?