Last update: 17.09.2024 08:34
Health insurance premiums rise every year. What you can do: send your insurer for an annual check-up. Because you can quickly save a lot of money by changing your basic insurance. The basic insurance premium calculator will help you. Think it’s too much work? Well, the difference between top and flop insurers in Zurich is over CHF 2,200! We’ll tell you what you need to know when switching and how to do it. 10 minutes of work that are worth it!
The Federal Office of Public Health has been calculating the “average premium” since 2018. This shows how much a person pays on average for basic insurance. In 2021, adults in Switzerland paid CHF 375, young adults (aged 19-25) CHF 264 and children CHF 100. The average monthly premium amounted to around CHF 316. It will be around 1 franc (0.2%) lower in 2022, as some insurance companies have reduced their reserves. You can find more details for your canton here (p. 794). However, over the last 10 years, the average premium has risen by 2.4% per year and not all insurers are reducing their premiums. By 2023, the premium will rise by an average of 6.6%. By changing your basic insurance, you will get a lower premium.
Switching basic insurance – answers to the most important questions: everything you need to know
No. The scope of benefits for basic insurance is the same for all providers.
Everyone. You can switch even if you are currently undergoing treatment or are already older. Our tip: your termination will only take effect if you are “debt-free” with your previous health insurer on 31.12. are “debt-free”. You must pay obligations such as outstanding premium payments, co-payments, interest on arrears or debt collection costs before the end of the year.
You can switch every year on January 1.
It doesn’t matter whether your insurance becomes more expensive on this date.
It also doesn’t matter whether you choose or have a higher deductible or an HMO, GP or telemedicine model.
You can switch every year.
HMO (stands for Health Maintenance Organization or group practice), family doctor model and telemedicine are insurance models where you are restricted in your choice of doctor.
In return, you pay a lower premium.
With the HMO model, you first go to a group practice that your insurer has recognized.
With the family doctor model, you first go to your named family doctor.
Both will refer you to a specialist if necessary.
With telemedicine, you first call a medical hotline before visiting a doctor or hospital, which decides on the next treatment step (doctor, specialist).
In all models, you can go directly to an ophthalmologist or gynecologist.
November 30 is D-Day, because the notice period for basic insurance is one month to the end of the year. Incidentally, it is not the postmark that counts, but when your notice of termination is received by the insurer. Our tip: cancel in writing by November 15 by registered mail to December 31 or by A Mail. This will ensure that your notice of termination is received by your current health insurer on the last working day in November at the latest.
Stay cool. Even if something goes wrong when you switch: you will remain insured in any case. This is because basic insurance is compulsory. This doesn’t just mean that you have to take out insurance. It also means that every health insurer that operates in your region of residence must accept you without restriction. For those of you who are interested, this is how it works: the new health insurance company tells your ex that you are now linked to them without interruption. Only then does the relationship with your old insurer end. That’s why you have no risk when you switch.
No explanation, no novels. Just say goodbye in writing. Simply fill in the sample template online, print it out and send it by post. Just enter your name, address and year of birth – that’s it! You don’t have to answer any questions about your health when you switch.
Yes. If you cancel your basic insurance, the health insurer is therefore not allowed to cancel your supplementary insurance. However, insurance with different insurers involves a little more work for the reimbursement of invoices. You may have to send invoices to both insurers. Or you may have to wait for the basic insurance to be settled before you can submit it to the supplementary insurance so that it pays its contribution.
Our tip: Top 10 tips for saving money
We have compiled our best tips for saving on basic insurance premiums in another detailed article. From women to deductibles to reductions and discounts 🙂
How it works: change basic insurance in 10 minutes with 3 steps
You can change your basic insurance in 10 minutes. If you don’t already have very cheap health insurance, you can quickly save a lot of money.
Step 1: Get a quick overview with the basic insurance premium calculator
All providers of basic insurance must announce their rates for the following year by October 31. The Federal Office of Public Health kindly compiles these in a simple basic insurance premium calculator. The calculator tells you how much your desired configuration will cost next year and with whom. It couldn’t be simpler! By the way, there are around 250,000 premium combinations. And one more thing: the basic insurance premium calculator really does show all insurance companies. Independently , just like us at Smolio. Unlike most comparison sites on the web, which refer you to insurers who pay them money for it. That’s why we use this independent basic insurance premium calculator ourselves.
Step 2: Choose a new partner and say yes
First register with your new health insurance provider. You can do this conveniently using the online form provided by your provider of choice on the web. You can access it via the basic insurance premium calculator. Or you can use the template for your membership. You already know that they have to accept you. You choose, the insurer has to say YES. Just like in real life?
Step 3: Say goodbye to your old cash register with Hasta la vista
You can cancel your basic insurance before the new insurer confirms your admission. You can also use a sample template for your good-bye. So you can do this as the next step.
Then your 10 minutes are already up and your basic health insurance finances are optimized for next year. Wonderful, isn’t it?
Summary: Changing basic insurance is easy
As you can see, changing your basic insurance is easy and requires little effort. And with our top 10 tips, you can save good money. Be one of the clever 10% of the population who do this. The independent basic insurance premium calculator takes the hassle out of comparing providers. Sample templates round off your all-round carefree package. What are you waiting for?
Mach den ersten Schritt zur finanziellen Unabhängigkeit
In einer Minute siehst du deine Vermögensentwicklung und dein Einkommen während der Rente.
