Change Your Health Insurance in Switzerland 2025

Last updated: August 2025

Kurzfazit 2025

Wechsel bis 30.11. (CHF 300–2000 Franchisen) oder 30.09. (CHF 2500). Prämienvergleich, Anbieterauswahl, fristgerechte Kündigung, automatischer Start am 01.01.2026. Ersparnis bis CHF 2000 jährlich.

How to Change Health Insurance in 4 Steps

Compare premiums and find a better deal
Apply to your new insurance provider
Cancel your current insurance by November 30th
New coverage starts January 1st automatically

When Can You Change?

⚠️ Important Deadlines

November 30th: Last day to cancel for CHF 300-2,000 deductibles
September 30th: Last day to cancel for CHF 2,500 deductible

Why Switch Insurance?

Save Money

Up to CHF 2,000/year
Better Service

English support, digital tools
Better Coverage

Models that fit your lifestyle

Need Personal Advice?

Every situation is unique. Get personalized advice from our Swiss insurance experts.

Call Now: +41 76 364 88 88

Frequently Asked Questions

Is health insurance mandatory in Switzerland?

Yes, basic health insurance is mandatory for all residents. You must sign up within 3 months of arrival or face penalties.

What happens if I miss the registration deadline?

You'll be automatically assigned to an insurer by cantonal authorities and may face penalties. You can still choose your provider afterward during the annual switching period.

Can I change my deductible during the year?

No, you can only change your deductible once per year when switching providers or renewing your contract for the following year.

Do I need accident insurance?

If you work more than 8 hours per week, your employer provides accident insurance. Otherwise, you need to include it in your health insurance.