Re-Evaluate Your Swiss Health Insurance — With Expert Guidance
Before You Switch, You Need Clarity
Most people we meet already have insurance — but don't know exactly what they're paying for or what's covered.
We review your current plan, explain your options clearly in English, and show whether switching makes financial or practical sense.
- Identify unnecessary add-ons and overlaps
- Check if your model (Standard/Telmed/HMO) still fits
- Validate if a higher deductible actually saves you money
- Review supplementary benefits you really use
How Our Review Works
Review your plan
We read your basic & supplementary cover
Explain options
Clear English, what stays / what changes
Identify savings & risks
Model, deductible, overlaps
Confirm & handle switch
We do forms + cancellation
Independent, FINMA-certified guidance. Free and unbiased.
Most tools and direct insurers only show you prices — but not the real coverage differences or approval strategies.
Why Online Comparisons Aren't Enough
| Feature | Online Comparison | Direct Insurer | Expat-Savvy Consultation |
|---|---|---|---|
| Insurers | Basic only | Own products only | All major Swiss insurers |
| Supplementary products | No or very limited | Only their own products | Full consultation & comparison |
| Pre-existing conditions strategy | No | No | Acceptance-maximizing strategy |
| Group discounts | No | No | Available where applicable |
| Cancellations & setup | No | No | We handle end-to-end |
| Availability | Office hours only | Office hours only | Extended hours incl. evenings |
| English support | Partial | Often limited | Native, full English support |
| Advice bias | — | Sales-driven up-sell | Independent, client-first |
| Annual review | No | No | Proactive yearly check-ins |
Data based on real expat experiences with Swiss insurers.
Your Personalized Consultation Includes
Full policy review
We audit your current basic and supplementary coverage.
Premium optimization
Model and deductible strategy tailored to your usage.
Group discounts
Insider rates where available with partner providers.
Pre‑existing guidance
We structure applications to maximize acceptance.
Paperwork handled
We prepare cancellations and new applications end‑to‑end.
English support
Clear explanations and ongoing service in English.
Why Choose Expat-Savvy
Most people compare premiums. We compare protection, acceptance, and peace of mind.
When you switch with Expat-Savvy, you're not dealing with an anonymous platform — you get a FINMA-certified advisor who:
- Reviews your situation, not a generic average
- Benchmarks all major Swiss insurers independently
- Finds insider group discounts others can't access
- Handles every step — from cancellation to new enrollment
- Supports you in English, with real human guidance
"It's not just a switch — it's a relationship built on trust, clarity, and ongoing care."
How the Process Works
A clear, simple path from review to confident decision.
Free Consultation
We start with a quick online call where we review your current coverage and needs in simple English.
Independent Comparison
We benchmark premiums and benefits across all major insurers — including your current one.
Personalized Recommendation
You receive clear, side-by-side options with our expert advice on what's best for your situation.
Easy Switch & Ongoing Care
We handle all cancellations, new applications, and follow-up — and stay available whenever your life changes.
More Than a Policy — It's Peace of Mind
Health insurance isn't just paperwork.
It's the peace of knowing that when something happens, you're covered — by the right plan, the right partner, and the right guidance.
"Switching isn't about chasing the cheapest premium — it's about aligning your model, deductible, and supplementary coverage with how you actually use healthcare. That's where real savings and protection come from."
Robert
FINMA-certified Insurance Broker
(Independent expert advisor at Expat-Savvy)
We stay by your side every year — reviewing your coverage, helping with renewals, and making sure you're always protected as your life in Switzerland evolves.
Here's what people say about switching with our help:
What Our Clients Say
★★★★★ Rated 4.9 / 5 by expats across Switzerland
Real experiences from people who switched their Swiss health insurance with us.
"Robert was an excellent assistant. He introduced me to the complex health system in Switzerland and made sure I took the best decision, providing information and answering all my questions. He made sure the health insurance matched all my needs. Totally recommended."
German Barquero
Google Review • 16 weeks ago
"I had great experience with expat-savvy, receiving very helpful, professional advice tailored to my personal situation. Robert has demonstrated his in-depth knowledge of the field which he was not shy to share. I am grateful for the valuable support!"
Rebeka Johnson
Google Review • 16 weeks ago
"Robert's advice was very helpful in choosing the right health insurance package and getting over the hurdles of pre-existing conditions. He found me a much better deal than the one I had previously arranged through my company. Highly recommend!"
Martin Walsh
Google Review • 8 weeks ago
"Really smooth process. They answered all my questions in plain English and found me better coverage at a lower price than what I was paying. Everything handled professionally from start to finish."
Sarah Thompson
Google Review • 12 weeks ago
5 Mistakes We Help You Avoid
"I see these mistakes weekly when people switch their health insurance. Here's how to avoid them — and how we help you get it right."
— Robert, FINMA-certified Insurance Broker
Missing the Deadline and Getting Locked In
Risk: Deadline is 30 Nov for basic, 30 Sep for supplementary. Miss it = stuck for another year.
Solution: We track deadlines and ensure your cancellation is submitted on time.
Canceling Supplementary Without Securing New Coverage
Risk: New insurers can reject supplementary applications. Cancel first = lose coverage forever.
Solution: We always apply to the new insurer first, then cancel the old one.
Switching Only Based on Premium
Risk: Cheapest isn't always best. Service quality and claims processing matter.
Solution: We assess insurer reputation, network coverage, and English support quality.
Not Comparing Alternative Models
Risk: Missing out on 15-25% savings with Telmed/HMO models.
Solution: We assess whether alternative models fit your healthcare usage pattern.
Doing It Alone Without Expert Guidance
Risk: Missing group discounts, wrong deductible choice, or overlooking better options.
Solution: Free consultation saves you money and ensures you're fully protected.
We help you avoid ALL of these mistakes
Free consultation. No pressure. Just expert guidance.
Still have questions? Here are the most common ones we hear:
Frequently Asked Questions
Common questions about switching health insurance in Switzerland.
When is the deadline to change Swiss health insurance?
The deadline to switch basic health insurance (KVG/LAMal) is **30 November 2025**. For supplementary insurance (dental, hospital, alternative medicine), you must cancel by **30 September 2025**. Missing these deadlines means you cannot switch until next year.
What is the deadline for supplementary insurance in Switzerland?
The deadline for cancelling supplementary insurance in Switzerland is **30 September 2025**. This applies to dental coverage, hospital benefits, alternative medicine, and other optional policies. You must send your cancellation notice by registered mail before this date to avoid automatic renewal.
Can I switch if I'm undergoing treatment?
Yes, for basic health insurance (KVG/LAMal), you can switch even if undergoing medical treatment. Swiss law requires all insurers to accept any applicant for basic coverage, regardless of health status. However, for supplementary insurance, the new insurer may refuse your application or exclude pre-existing conditions.
How do I cancel my Swiss health insurance?
To cancel Swiss health insurance, send a formal cancellation letter by registered mail (Einschreiben/Recommandé) to your current insurer. The letter must include your policy number, full name, and termination date. For basic insurance, aim for 30 November; for supplementary insurance, 30 September.
How much can I save by switching?
Savings vary by situation, but many expats save **CHF 500–2,000 per year** by switching. With 2026 premiums expected to rise ~6%, choosing a different insurer, model (like Telmed/HMO), or higher deductible can significantly reduce your annual costs while maintaining quality coverage.
Can I change only my insurance model (Standard → Telmed)?
Yes! From 2025, you can change your basic insurance model (Standard → Telmed/HMO/Family Doctor) within the same insurer at different times throughout the year, not just during the annual switching period. This offers flexibility to optimize your coverage and premiums as your needs change.
Have more questions? Our experts are here to help.
Deadline to switch your 2026 insurance: 30 November 2025
Don't Guess Your Coverage — Know It
Get a professional audit and personalized comparison. 100% free and in English.