Switch to Sanitas
Quick, easy and digital
Switching health insurer: deadlines and how it works
There’s a lot to consider when switching health insurer. We’re here to help.
Switch to Sanitas in 3 steps
Basic insurance
- Create a personal quote using the premium calculator.
- Take out your chosen insurance model online.
- Choose the free termination service, sit back and relax.
Supplementary insurance
- Create a personal quote using the premium calculator.
- Answer the health questions online.
- Choose the free termination service, sit back and relax.
Use the termination service at least two weeks before the end of the notice period. Do not terminate your supplementary insurance until you have received confirmation of admission from Sanitas.
Good reasons for choosing Sanitas
Deadlines: Until when can you change health insurer?
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Period of notice for basic insurance
Switch with effect 1 January
You can change health insurer at the start of each year.
Period of notice
Your notice of termination must reach your current health insurer by November 30 at the latest, or the last working day in November.
Switch with effect 1 July
If you have an insurance model with your current provider with the lowest deductible (adults: CHF 300, children: CHF 0) and the standard model with free choice of doctor (not a family doctor, network or telemedicine model), you can switch health insurer with effect 1 July.
Period of notice
Your notice of termination must reach your current health insurer by March 31 at the latest, or the last working day in March.
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Period of notice for supplementary insurance
Taking out a new supplementary insurance plan
You can take out and terminate supplementary insurance plans independent of basic insurance. If you don’t have supplementary insurance yet, you can take out a supplementary insurance plan with Sanitas at any time.
Terminating current supplementary insurance
Deadlines for termination vary depending on the health insurer. Please check the exact deadlines with your health insurance company. Don’t terminate your current supplementary insurance until you have confirmation of admission to your new Sanitas insurance plan.
New to Switzerland?
Welcome! Here you’ll find all the information you need to make sure that you are properly insured in Switzerland.
Terminating health insurance yourself with a letter of termination
Notice of termination must be given in writing and signed by hand. All health insurers accept notice of termination by post. Some health insurers also accept notice of termination by email. Get information in good time.
Tips for switching health insurer
01
Pay unpaid invoices
You can only terminate basic insurance if all your bills have been paid.
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All insureds affected have to sign the termination form
Are other people included in the contract? Due to the high probative value, we recommend signing the notice of termination and sending it by registered mail – for all persons of legal age who are affected by the termination.
03
Don’t be too quick to terminate your supplementary insurance
Don’t terminate your current supplementary insurance until you have confirmation of admission to your new supplementary insurance plan.
04
Use the Sanitas termination service
Sit back and relax - we’ll take care of terminating your current health insurance for you. Simply select the service in the premium calculator or contact the Sanitas customer service team.
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Explore our money-saving tips
Do you want to save money on your premiums and keep health costs as low as possible? Read our 13 tips.
06
New to Switzerland?
Here you’ll find everything you need to know about being properly insured in Switzerland.
Over 850,000 satisfied customers
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Frequently asked questions
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Can I terminate my health insurance by phone or email?
You must terminate your health insurance in writing. All health insurers accept notice of termination by post. Some also accept notice of termination by email. Please contact your current health insurer for more information. Due to the high probative value, we recommend signing the notice of termination and sending it by registered mail. All persons of legal age affected by the termination have to sign the notice of termination.
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Which date applies to the notice of termination?
The date on which your notice of termination is received by the health insurance company applies.
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Do I have to send the notice of termination to my health insurer by registered mail?
You can send the notice of termination using A or B post. It is important that the notice of termination reaches your insurer in good time. In order to have proof of timely termination, we recommend that you send the termination by registered mail.
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What do I need to bear in mind with the Sanitas termination service?
In the online premium calculator, you have the option of choosing the free termination service for your basic and supplementary insurance. Please note that Sanitas is also obliged to observe the statutory periods of notice. Therefore only use this service no later than two weeks before the deadline. Forgotten to choose the termination service in the premium calculator? No problem. Just contact the Sanitas customer service team.
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Can I just change my basic insurance and keep my supplementary insurance?
Yes, you can take out and terminate basic insurance independently of supplementary insurance. Simply note your wish on the termination letter to your health insurance company.
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My health insurer has adjusted the premium of my supplementary insurance. Can I cancel outside the regular deadlines?
Yes, if the health insurance company increases or decreases the premium of your supplementary insurance, the notice period will be adjusted. You can then terminate your insurance, for example, to the end of the year or as of the date of the increase. Please check the exact periods of notice with your health insurance company.
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I’d like to stay with Sanitas but save money on my premium at the same time. Is that possible?
Yes, that's possible. You can choose from alternative basic insurance models and benefit from attractive premium discounts. You can also increase your deductible if you have not chosen the maximum amount. Please notify us of your change request by no later than 30 November so that we can ensure the adjustment is made by 1 January.
Any questions? We’ll be glad to help.
Find out more about our insurance plans
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Details of premium discounts for basic insurance
CallMed: Discount of between 7% and 12%
Example of 7% discount: Adult premium for CallMed compared to Basic
(Aargau, deducible of CHF 300, with accident cover)Example of 12% discount: Adult premium for CallMed compared to Basic
(St. Gallen 3, deductible of CHF 2,500, with or without accident cover)CareMed: Discount of between 7% and 10%
Example of 7% discount: Adult premium for CareMed compared to Basic
(Aargau, deducible of CHF 300, with accident cover)Example of 10% discount: Adult premium for CareMed compared to Basic
(Appenzell Innerrhoden, deductible of CHF 2,500, with or without accident cover)Compact One: Discount of between 9% and 23%
Example of 9% discount: Adult premium for Compact One compared to Basic
(Aargau, deducible of CHF 300, with accident cover)Example of 23% discount: Adult premium for Compact One compared to Basic
(Geneva, deductible of CHF 2,500, with or without accident cover)Medbase MultiAccess: Discount of between 10% and 15%
Example of 10% discount: Adult premium for Medbase MultiAccess compared to Basic
(Bern 1, deductible of CHF 300, with accident cover)Example of 15% discount: Adult premium for Medbase MultiAccess compared to Basic
(Appenzell Innerrhoden, deductible of CHF 2,500, with or without accident cover)NetMed: Discount of between 7% and 19%
Example of 7% discount: Adult premium for NetMed compared to Basic
(Lucerne 1 with deductible of CHF 300, with accident cover)Example of 19% discount: Adult premium for NetMed compared to Basic
(Appenzell Innerrhoden, deductible of CHF 2,500, with or without accident cover)