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Old 30.01.2018, 13:43
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Changing medical insurance

Hi All,
I am moving from one canton to the other and I will like to change my medical insurance provider in the Vaud canton the monthly tot to pay is really much higher then where I am currently (Bern).

They told me that I can do official cancellation only at the end on November.

My question is: if I subscribe a medical insurance with a new provider, will the new provider take care of cancelling the old insurance as well or I am stuck with my current provider till the end of November?

many thanks!!
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Old 30.01.2018, 13:49
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Re: Changing medical insurance

Yes, you're stuck. I doubt a new insurance company would even take you on now since the changeover date is November, but if they do and you want to pay two insurers go right ahead. In any case the old company will not cancel in November either unless you present them with proof of your new cover.

You'll find that many companies offer special deals in October because of the upcoming cancellation possibility. So stay as you are for the time being, see if anything betters the offer you have at the moment and then send a formal registered letter to your current insurer by whatever the termination date is in your contract to cancel it next November.
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Old 30.01.2018, 13:52
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Re: Changing medical insurance

Thanks for the advise.

Of course I am not going to pay two insurances, I was just hoping perhaps there was a way around it.

Thanks again
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Old 30.01.2018, 13:56
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Re: Changing medical insurance

If they offer their services in the kanton where you are moving to they are correct. If they do not offer their services then they are forced to coöperate.

If you only have the default mandatory basic with a deductible of 300,- you can also cancel per the last day of June. (Cancellation period of 3 months)
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Old 30.01.2018, 14:04
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Re: Changing medical insurance

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If they offer their services in the kanton where you are moving to they are correct. If they do not offer their services then they are forced to coöperate.

If you only have the default mandatory basic with a deductible of 300,- you can also cancel per the last day of June. (Cancellation period of 3 months)
Unfortunately my deductibles are much higher.
When I chose this provider it was the most convenient for BE canton, and didnt know I had to relocate.

Well, c'est la vie!
Thanks both
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Old 30.01.2018, 15:59
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Re: Changing medical insurance

and by "end of November" it means you need to give notice before end of November and the insurance will end at the end of December. You need to give cancellation to existing insurer and then appoint a new one. They *should* talk to each other but don't always.

Usually you can cancel in the case of a price increase but I don't know if that applies when moving canton. Check your policy details if you can find them.
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Old 30.01.2018, 17:13
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Re: Changing medical insurance

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They told me that I can do official cancellation only at the end on November.
Not true.

Everybody can cancel per December 31 with 3 months notice period. If you have default deductible (IIRC 300 CHF) you can additionally cancel per June 30, also with 3 months notice period. If the latter applies to you, your notice to cancel per June 30 must have been received no later than March 31.

Plus, if the premium changes one can cancel per December 31 with a one-month notice period. This applies to the vast majority so most people say this is when you can cancel, but that's just a part of the full story.

In order to be let go, your new insurance must have sent confirmation to the old insurance on time, and there can not be any payments outstanding. I think you should make the new contract conditional on actually being let out of the old one in order to avoid having to pay both the old and the new insurance in the following year.
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Old 30.01.2018, 18:30
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Re: Changing medical insurance

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Not true.

Everybody can cancel per December 31 with 3 months notice period. If you have default deductible (IIRC 300 CHF) you can additionally cancel per June 30, also with 3 months notice period. If the latter applies to you, your notice to cancel per June 30 must have been received no later than March 31.

Plus, if the premium changes one can cancel per December 31 with a one-month notice period. This applies to the vast majority so most people say this is when you can cancel, but that's just a part of the full story.

In order to be let go, your new insurance must have sent confirmation to the old insurance on time, and there can not be any payments outstanding. I think you should make the new contract conditional on actually being let out of the old one in order to avoid having to pay both the old and the new insurance in the following year.
What is not true about his statement? It is exactly the same as I have for example.
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Old 30.01.2018, 20:56
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Re: Changing medical insurance

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What is not true about his statement? It is exactly the same as I have for example.
Actually it isn't, you left out ordinary cancellation by December with 3 months notice.

Either way I'd intended to quote and thereby reply to the following by OP:
"They told me that I can do official cancellation only at the end on November."
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Old 30.01.2018, 23:29
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Re: Changing medical insurance

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Actually it isn't, you left out ordinary cancellation by December with 3 months notice.
No I did not leave that out.
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Either way I'd intended to quote and thereby reply to the following by OP:
"They told me that I can do official cancellation only at the end on November."
By which they mean that the cancellation-letter has to be hand in before December since he has a one month cancellation period. Exactly like I have in my contract.
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Old 31.01.2018, 09:04
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Re: Changing medical insurance

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No I did not leave that out.

By which they mean that the cancellation-letter has to be hand in before December since he has a one month cancellation period. Exactly like I have in my contract.
" They told me that I can do official cancellation only at the end on November."
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