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Old 11.11.2018, 20:09
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Changing Health Insurers (New to Switzerland)

I've been in Switzerland since September, and was told to sign up to Helsana and did so without too much thought. However, I've just found out that Sanitas is offering young adult insurance which works out about 50 francs per month cheaper than my current insurance for next year. I am wondering if it is possible to already change providers, even though I have only had my current contract for less than 3 months?
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Old 11.11.2018, 20:40
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Re: Changing Health Insurers (New to Switzerland)

Welcome to the Forum.

Check the language of the contract for cancellation requirements. As far as I know you can only change once per year, sometime in the fall taking effect in January. You might be too late to change for next year.
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Old 11.11.2018, 22:22
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Re: Changing Health Insurers (New to Switzerland)

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I've been in Switzerland since September, and was told to sign up to Helsana and did so without too much thought. However, I've just found out that Sanitas is offering young adult insurance which works out about 50 francs per month cheaper than my current insurance for next year. I am wondering if it is possible to already change providers, even though I have only had my current contract for less than 3 months?
Yes you can.

The cancellation must be with - in your case - Helsana on November 30th a the very latest.
In order for them to be allowed to let you go you must have a contract with a new one.
So if you do it all now, you're well in time.
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Old 12.11.2018, 09:34
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Re: Changing Health Insurers (New to Switzerland)

I think it depends if the price has changed. If they have updated the price of the health insurance for 2019, you have only 1 months notice. So the end of November should be fine (remember you must send a written letter by registered mail if you cancel).

If their September price is the same as the 2019 rate it may be difficult for you to change.

Usually Assura is the cheapest, although the cover is perhaps better with other companies.

Have a look on comparis.ch to have an idea what the best rate is.
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Old 12.11.2018, 12:33
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Re: Changing Health Insurers (New to Switzerland)

https://www.priminfo.admin.ch/fr/praemien

This is the federal website to compare Lamal (legal minimum) premiums. It is the comprehensive bible.

Choices are:

Accident / non Accident (legally paid by employer if employed).
Franchise standardised at 300 / 500 / 1,000 / 1,500 / 2,000 / 2,500.
Model: Standard / Médecin de famille / HMO / Autres modèles.

For my experience best value is Médecin de famille with high franchise.

Can legally cancel without reason, cancellation letter must be received by current insurer latest 30th November.

Assura or Supra seem to be cheapest providers of Lamal.
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Old 12.11.2018, 13:50
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Re: Changing Health Insurers (New to Switzerland)

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I think it depends if the price has changed. If they have updated the price of the health insurance for 2019, you have only 1 months notice. So the end of November should be fine (remember you must send a written letter by registered mail if you cancel).
Exactly, though the registered letter just ensures provability you sent it.

With enough time remaining you can send the cancel notice by ordinary maill and request writtern confirmation arriving within a few business days. If you don't receive one, call them up or send the notice again by registered mail.
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