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Frequently asked questions about switching health insurer

Switching health insurer FAQ

Basic insurance

You can switch to Sanitas basic insurance with effect 1 January. If you have chosen an insurance model with the lowest deductible (adults: CHF 300, children: CHF 0) and free choice of doctor, you can also switch with effect 1 July. Are you new to Switzerland? You’ll find all the information you need about taking out insurance here.

 

Supplementary insurance

If you don’t yet have supplementary insurance or you want to keep your existing insurance cover, you can take out supplementary insurance with Sanitas at any time. If you want to terminate your current supplementary insurance and switch to Sanitas, please note your current insurer’s deadlines for termination.

Switch with effect 1 January:

The notice of termination must reach your current health insurer by the last working day in November at the latest.

 

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 a standard model with free choice of doctor (not a family doctor, network or telemedicine model), you can also switch with effect 1 July. Your notice of termination must reach your current health insurer by the last working day in March.

You can take out and terminate supplementary insurance plans independent of basic insurance.

Deadlines for termination vary depending on the health insurer. Please check the deadlines with your current health insurance provider and only cancel your current supplementary insurance when you have received confirmation of acceptance from Sanitas.

No. Insurance must be terminated in writing. All health insurers accept notice of termination by post. Some health insurers also accept notice of termination by email.   Please contact your current health insurer for more information. In every case, the letter of termination must include the handwritten signature of all persons of legal age affected by the termination.

The date on which your notice of termination is received by the health insurance company is decisive. To be sure that your notice of termination arrives on time, we recommend that you give notice early at least two weeks before expiry of the termination deadline.

You can send the notice of termination using A or B post. It is important that the notice of termination reaches the insurer in good time. In order to have proof of timely cancellation, we recommend that you send the cancellation by registered mail.

Yes, 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. Please therefore only use this service no later than two weeks before the deadline. Forgotten to choose the termination service in the premium calculator? Don’t worry. Simply contact the Sanitas customer service team on: 0844 150 150 (Monday to Friday: 9 am to 6 pm).

Yes. You can take out and terminate supplementary insurance plans independent of basic insurance. Simply note your wish on the termination letter to your health insurance company.

Make sure that you have settled all the bills with your previous health insurer by the time you change your basic insurance. The termination letter or form must be signed by hand by all persons of legal age affected.

Only terminate your old insurance once you have received confirmation of acceptance from Sanitas. The termination letter or form must be signed by hand by all persons of legal age affected.

Yes, if the health insurance company increases or decreases the premium of your supplementary insurance, the notice period will be adjusted. You can then cancel, for example, to the end of the year or within one month from the time of notification. Please check with your health insurance company about the exact deadlines.