Change health insurance and receive a cashback!
Find the best offer quickly and easily with our AI-based switching platform and switch your health insurance provider.
Receive an additional cashback.
Advantages of changing health insurance
Cost savings:
A switch can lead to a health insurance company that offers cheaper premiums without you having to forego important benefits.
Better performance:
Find a provider whose range of services is better suited to your personal requirements.
Customer service and satisfaction:
A health insurance company that responds quickly and efficiently to your requests can make a huge difference in stressful health situations.
Receive cashback:
As a registered insurance intermediary, we are happy to share the commission we receive from the insurance company with you.
The simple switching process with alletta
alletta makes the step of "changing health insurance" a simple and stress-free experience. With our user-friendly online platform, you can make the switch in just a few steps:
Enter your personal data:
Start the process by entering your basic information in our secure form.
Compare health insurance offers:
Use our online platform to compare the premiums and benefits of different health insurance companies.
Digital online conclusion:
Find the insurance that suits your budget and your life situation and take out the policy online.
Receive your cashback:
Get part of the commission back thanks to self-counseling.
Receive support:
alletta, our avatar, is always on hand to answer your questions about benefit details and insurance topics!
The legal framework for changing health insurer
In Switzerland, everyone is entitled to change their basic insurance every year, regardless of their state of health. This right, which is enshrined in law, ensures that no one can be rejected by insurers when they change their health insurance. The only conditions for changing are to comply with the notice periods and to take out a new basic insurance policy.
Notice periods and important dates for basic insurance
The notice periods are decisive for changing health insurance companies:
- Annual notice: Written notice of termination of basic insurance must be submitted to the current health insurance fund by November 30 at the latest in order to change it at the end of the year. However, in 2024, the last day of November is a Saturday. Therefore, your letter must arrive at the insurance company as early as Friday, November 29.
- Additional termination date of 1 July: insured persons in the standard model with the lowest deductible (CHF 300 for adults) can also switch to 1 July if they terminate by 31 March.
- Termination in the event of a premium increase: If premiums are increased during the year, insured persons have an extraordinary right of termination. After receiving the information about the premium increase (two months in advance), they can terminate the contract up to the last day of the previous month before the new premiums take effect.
| Change date | Conditions | Notice period |
|---|---|---|
| End of the year | Possible annually for all basic insurance holders | Until November 30 |
| Middle of the year | Only in the standard model with the lowest deductible | Until March 31 |
| For premium increases during the year | If the health insurance company announces a premium increase during the year | Until the last day of the previous month before the new premium |
Change date
End of the year
Middle of the year
For premium increases during the year
Conditions
Possible annually for all basic insurance holders
Only in the standard model with the lowest deductible
If the health insurance company announces a premium increase during the year
Notice period
Until November 30
Until March 31
Until the last day of the previous month before the new premium
Supplementary insurance: take note of the health check
For basic insurance, the law ensures that your health insurance company will accept you. Different rules apply to supplementary insurance:
- Health check: Supplementary insurance policies require a health check and the new health insurance company may reject the application.
- Safe change: Only cancel additional insurance if the new health insurance company has already confirmed your admission. This way, you avoid gaps in coverage and remain fully protected.
| Change date | Conditions | Notice period |
|---|---|---|
| End of the year | Possible annually for all products, provided there is no longer-term multi-year contract | Until September 30 |
| End of the year | Annually possible for all products whose premiums are increased Termination also possible despite multi-year contract | Until November 30 |
Change date
End of the year
End of the year
Conditions
Possible annually for all products, provided there is no longer-term multi-year contract
Annually possible for all products whose premiums are increased Termination also possible despite multi-year contract
Notice period
Until September 30
Until November 30
Offers for all needs
Everyone will find a suitable offer at alletta:
Young adults for whom flexibility and value for money are particularly important.- Families who often need more comprehensive protection.
- Seniors whose health needs require extended medical coverage and specialized care.
Important to know:
Regardless of your state of health or age, a health insurance company may not refuse your request to switch to basic insurance.
Avoid common mistakes when changing health insurer
Changing your health insurance plan can offer you many benefits, but some common mistakes can make the process unnecessarily complicated. Here you can find out what to look out for to ensure a smooth transition.
Miss deadlines
A common mistake when changing health insurance companies is missing the deadlines. To ensure that your health insurance change goes smoothly, it is important to meet the deadlines in good time. Use alletta's reminder service to never miss an important deadline and find the best health insurance for your needs without stress.
Cancel supplementary insurance without confirmation
Do not cancel your supplementary insurance until the new health insurance company has confirmed your admission. Supplementary insurance often requires a health check, and the new health insurance company could reject your application. This is how you avoid gaps in insurance coverage.
Overestimating premium differences
When changing health insurance, many people only focus on premiums and overlook the benefits. Make sure that the new health insurance company offers the services that are important to you. With alletta's comparison tool, you can make the best choice in terms of premiums and services.
Choosing the wrong time
It is always a good time to check and change your health insurance company.
Change in the fall (October and November)
Some people wait until late fall to review their health insurance. That's fine. Next year's premiums for basic insurance are clear. So the change for basic insurance can be made in the knowledge of the new premium. And the savings on premiums can be realized immediately, for example for January 1, 2025.
The supplementary insurance can also be changed at the same time, simply to January 1, 2026. This way, you can secure the desired benefits early, even if your own state of health were to deteriorate. In contrast to basic insurance, premiums for supplementary insurance are more stable.
Change during the year
This has many advantages. When it comes to basic insurance, the choice of insurance model and deductible offers great potential for savings. This decision can be made independently of the premium increase. And there is plenty of time to choose and take out supplementary insurance. This is important because the medical examination can quickly take a few weeks.
Changing health insurance in special situations
Depending on your life situation and insurance needs, changing health insurance provider can raise specific questions. Here you can find out what you should consider in special cases.
Health insurance change for expats and cross-border commuters
Expats and cross-border commuters have some special options:
- Cross-border commuters from neighboring countries: They can choose whether they would like to be insured in their country of residence or their country of work, for themselves and their family members.
- Expats: Anyone who moves to Switzerland as an expat must take out basic insurance for themselves and their family members within three months.
Health insurance change for students
Students from abroad are often able to be exempted from the Swiss compulsory insurance requirement and keep their foreign insurance. However, if they wish to switch to a Swiss health insurance company, alletta will help them find a cost-effective rate.
Change health insurance company if you move or get married
A change of residence or marriage can affect premiums and insurance requirements:
- Change of residence: Premiums vary depending on the canton.
- Marriage: It can make sense to change health insurance provider in order to optimize your insurance situation as a couple.
alletta helps you to recalculate premiums and find the best rate for your changed life situation.
Health insurance change at retirement age
For older policyholders, it can be particularly advantageous to change their basic insurance in order to reduce costs and to better address their specific health needs.
In most cases, it is no longer possible to take out new supplementary insurance at an advanced age. This means that terminating existing supplementary insurance must be carefully considered – it cannot be reversed!
Frequently asked questions about changing health insurer
You can usually change your health insurance company once a year at the end of the calendar year. You can already do this now. You must observe the notice periods.
The notice period for basic insurance is 1 month, for supplementary insurance usually 3 months.
You will need a valid ID and your current health insurance policy to make the switch.
No. As a rule, you do not have to do anything to switch. You will receive a new insurance policy and a new insurance card from your new health insurance company.
The decision you make when choosing a new health insurance company plays a role here. You will be well informed about this during the switching process at alletta and subsequently by the health insurance company.
Switch health insurance now and save money!
Switching your health insurance with alletta offers you financial benefits. You also optimize your insurance solution, which you can tailor specifically to your personal needs.
Are you ready for the change?
Compare the premium now and start the switching process today. Take your healthcare into your own hands!
