Are you moving away? Or are you may be unsatisfied with your current health insurance policy? Whatever the reason may be behind your decision to cancel health insurance, it is crucial to understand what the entire process entails and what other insurance options are at your disposal.
All Swiss citizens are obliged to take out basic insurance policy no more than 3 months upon their arrival to the country. In case you decide that the policy you have now does not cover your needs or it is too expensive, you can decide to terminate it and change the insurance provider.
Instead of basic health insurance, it is possible to take out a more affordable one. On the other hand, it is possible to take out premium or a supplementary insurance policy which contents differ from one provider to the other. If you have specific needs that you need to be covered, be sure to read all terms and conditions before making a final decision.
The notice period
Health insurance cannot be terminated immediately upon your request. It takes about a month to process, so plan termination in advance whenever possible.
You reserve the rights to all the insurance policy benefits for the duration of the insurance termination period.
Fees associated with health insurance termination
- Basic health insurance
When you decide to cancel basic health insurance, you are not required to pay any fees.
- Supplementary health insurance
When you decide to cancel supplementary health insurance, it is imperative to check the terms and conditions defined by the insurance provider. You are obliged to adhere to the notice period if you wish to terminate your health insurance policy without any additional costs.
Insurance termination on the provider’s side
In a case when you have a supplementary insurance policy and you are not paying the premiums regularly, the insurance provider reserves the right to cancel the benefits.