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Old 24.01.2018, 10:20
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Cancelling employer provided health insurance

I am covered by a health insurance policy through my employer, however I am considering changing jobs. What would happen to the health insurance policy? Would I still be responsible for the premiums until the end of the year, or would I be able to buy a new policy on my own? Has anyone been in a situation like this before? I have not resigned yet, so I can't exactly ask HR.
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Old 24.01.2018, 10:31
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Re: Cancelling employer provided health insurance

Is the contract between you and the insurer, or between the company and the insurer?

Slightly different situation, but years ago OH's employer paid for health insurance, but only if the employee signed up with Company X. The employee signed up with Company X, paid the premiums himself, but received reimbursement for the premiums as part of his or her salary. Then one day the company decided it needed to tighten the belt and so did away with that benefit overnight.

As the contract with Company X was individual, not with OH's employer, employees were left high and dry, they had to fulfill the contract with Company X and pay for the premiums until the next legal termination dates. (Company X was one of the more expensive providers.)
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Old 24.01.2018, 10:32
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Re: Cancelling employer provided health insurance

I believe the contract to be between the company and the insurance provider. I do not receive bills directly.
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Old 24.01.2018, 10:34
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Re: Cancelling employer provided health insurance

The easiest thing to do in your case then would be to contact the insurer and ask a 'hypothetical' question.
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Old 24.01.2018, 10:58
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Re: Cancelling employer provided health insurance

I did some digging around, and it appears that I will be "deregistered" from the insurance policy upon termination, which I am interpreting as I am free to go and choose my own provider.
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Old 24.01.2018, 11:05
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Re: Cancelling employer provided health insurance

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which I am interpreting as I am free to go and choose my own provider.
Sounds right... but just to be safe, don't rely on interpretation. If/when you quit, get specifics in writing, and be sure to get a notice of cancellation from the insurance company. Switzerland loves it's contract lock-ins, you want to be absolutely sure there isn't a chance that you'd be deregistered from the benefit but not the contract.

As with all things in Switzerland, make no assumptions.

But in the meantime, start researching your options with other providers.

All the best...
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Old 24.01.2018, 11:15
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Re: Cancelling employer provided health insurance

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I did some digging around, and it appears that I will be "deregistered" from the insurance policy upon termination, which I am interpreting as I am free to go and choose my own provider.


Thats not quite the case.


You will be 'deregistered' but only from the company plan.


What will likely happen is that your insurance will be immediately regsitered as a direct contract between you and the insurance company. This will make it more expensive to you, depending on the deal you had with your company and the discounts they had with the insurance company.


You will be given a chance to change the insurance, so as to allow you to downgrade to a cheaper package.


Unless you provide proof of alternative insurance, you will not be deregistered from this personal contract with the insurer.
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Old 24.01.2018, 11:21
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Re: Cancelling employer provided health insurance

It isn't explicitly stated what the options are, but it does say that I have the option of continuing on with the current plan. It does sound like there is an option to enroll in another insurance policy, just as long as I am enrolled in something.
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Old 08.01.2019, 19:11
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Re: Cancelling employer provided health insurance

Can I just ask if itís ever possible to leave a Swiss insurer when the new contract has started? We missed the renewal and now it looks like weíre stuck with Assura - is this the case?

Thanks!
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Old 08.01.2019, 19:19
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Re: Cancelling employer provided health insurance

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Can I just ask if it’s ever possible to leave a Swiss insurer when the new contract has started? We missed the renewal and now it looks like we’re stuck with Assura - is this the case?

Thanks!
Did you cancel the old one, did you sign up for another insurance without cancelling the old one?? If cancelled, in writing and did you receive a confirmation?

If not, you can cancel per the end of this year
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Old 08.01.2019, 19:20
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Re: Cancelling employer provided health insurance

Thank you. I didnít cancel the insurance, it just rolled over and now Iím just wondering if I have to keep it.
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Old 08.01.2019, 19:47
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Re: Cancelling employer provided health insurance

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Thank you. I didnít cancel the insurance, it just rolled over and now Iím just wondering if I have to keep it.
Yes you do, you have to give notice to cancel unless you leave CH & even then you may have to pay for 3 months as you have an EHIC card, unless you can show cover in your new country of residence.
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Old 09.01.2019, 09:03
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Re: Cancelling employer provided health insurance

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Thank you. I didn’t cancel the insurance, it just rolled over and now I’m just wondering if I have to keep it.
Of course you need to cancel. Unless you emigrate the only date is per the end of the year. If you have minimum deductible you can additionally cancel per the end of June.

In both cases
- notice period is 3 months
- your notice must have been received by the respective date
- the old insurance must have received confirmation for the new contract (happens behind the scene) by the end date in order to be let out of the contract

If your premium changes (they do virtually every year) you can additionally cancel per the end of the year with 1 month notice period.

AFAIK (this may be imprecise) you can't have any bills from the insurance outstanding at the end date, otherwise the old contract will continue. As a result you may end up with two contracts and may have to pay double.
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