Prämienheld1. Review your current arrangement
Put your policy and premium notice side by side. Record the care model, deductible, monthly premium and practical conditions. Be specific about what you want to improve before requesting alternatives.
Insurance, clearly explained
Switch Swiss health insurance: a practical checklist
A well-planned switch starts with your needs and ends with clear confirmations. Use these steps to organise the process.
Request a personal comparison ↗2. Compare offers on the same basis
Use identical personal details for every quotation. Check doctor access, model rules and potential out-of-pocket costs as well as the premium. A lower price is one part of the decision.
3. Allow enough time for cancellation
For a change of basic insurance at the start of the year, cancellation generally needs to reach the current insurer by 30 November. Receipt matters. Check current federal guidance and send the notice early with evidence of delivery.
4. Treat supplementary policies separately
Do not assume basic insurance deadlines also apply to supplementary cover. Check contractual notice periods and confirm acceptance and conditions of replacement supplementary insurance before cancelling an existing policy.
5. Keep written confirmations
Retain your cancellation evidence, acceptance confirmation and new policy. Check personal details and the start date. Contact the insurers early if anything is unclear, so questions are resolved before the change takes effect.
Official information
Editorial update: 19 September 2026. General orientation; individual cover and requirements depend on your circumstances and contract.
Good to know
Your questions. Clear answers.
Can I post the cancellation on the deadline?
Do not rely on that. The relevant point is timely receipt by the insurer. Allow enough time for delivery.
Is switching always the right answer?
No. Reviewing your deductible or care model can also be useful. Start with your needs and a comparison you understand.
Your next step
Turn information into a clear plan.
Personal comparison
Discuss the cover you already have and the options worth exploring.
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For partners →Prämienheld in numbers
Personal service. Tangible experience.CHF 783Average saving per person per year*
CHF 638’250Total premiums saved*
750+Customers supported
23+Insurers in comparison
Figures supplied by Prämienheld, confirmed September 2026. *Figures from previous comparisons; individual savings depend on the policy and available offers and are not guaranteed.