How can Swiss health insurance costs be reduced?
The official premium calculator can help compare premiums. When considering changing insurers, it is also important to check the premium for the following year and the cancellation deadline.
To reduce Swiss health insurance costs, it is advisable to compare premiums first and then consider changing insurers based on the results. The premium information for the following year and the deadline by which the cancellation must be received provide guidance for the decision.
The article’s main claims
The Swiss Federal Office of Public Health (Bundesamt für Gesundheit, BAG) designates priminfo.ch as the official federal premium calculator. It is therefore advisable to start the premium comparison on this website. (BAG)
Insurers must inform policyholders of the following year’s premiums by no later than 31 October. For comparison purposes, it is advisable to use this notification as the basis so that premiums for the same period are compared. (Priminfo)
Conditions to check
The cancellation letter for mandatory basic health insurance must be received by the current insurer no later than 30 November. Receipt is what counts, not the date the letter was sent; the letter should therefore be sent in good time. (Priminfo)
Before making a decision, it is advisable to check whether the period covered by the premium comparison matches the period specified in the insurer’s notification. If the premiums suggest switching insurers, it is also wise to compare the planned receipt date of the cancellation notice with the deadline.
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In Brief
To reduce Swiss health insurance costs, it is advisable to first compare the following year's premiums on priminfo.ch, which BAG (Federal Office of Public Health) identifies as the official premium calculator. If changing insurers, the cancellation notice must reach the current insurer by November 30 at the latest.
Key Takeaways
- BAG identifies priminfo.ch as the official federal premium calculator.
- Insurers must inform policyholders of the following year's premiums by October 31 at the latest.
- Cancellation of mandatory basic health insurance must reach the current insurer by November 30 at the latest.
- When comparing premiums, it is advisable to place premiums for the same period side by side.
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