Switching health insurer made easy. In 5 steps, check your personal savings potential.
We compare every Swiss insurer, prepare your cancellation and guide your switch free of charge until confirmation. Same benefits, clearly lower premium.
Same benefits, lower premium, zero risk.
Basic insurance is governed by the KVG. That means every Swiss insurer delivers exactly the same benefits. The only difference is the premium. Anyone not switching in 2026 quickly pays several hundred francs per month for the very same product, just under a different logo.
With the right of extraordinary cancellation on premium increases you switch with legal certainty as of January 1, with no gap, no health check, no hidden costs. We take care of the paperwork.
Deadline 30 November 2026. That is how long you have until your registered cancellation must arrive at your current insurer.
Four reasons why switching pays off in 2026.
Up to CHF 3.673.20 possible
Possible savings potential per year and person, depending on place of residence, age, deductible and model. The statutory mandatory basic-insurance benefits are identical at every insurer.
Mandatory acceptance
No health check, no exclusion. Every insurer must accept you.
Seamless coverage
Not a single day without insurance. The switch on 1 January is automatic.
Identical benefits
Basic insurance is regulated by the KVG, every insurer delivers exactly the same.
Switching health insurer in 5 steps.
Click through the process. From comparison to confirmation, the entire switch takes less than 15 minutes of active effort, we take care of the rest.
Start the health-insurer comparison
2 minutesEnter place of residence, age, deductible and model. We compare every FOPH-recognised insurer.
Your roadmap to switch on 1 January 2026.
- TimeSept, Oct
Premium notice 2026 arrives
Your insurer sends the new premium. Worth comparing? Almost always yes.
- TimeOctober
Start the comparison
Plenty of time to calmly compare all insurers and pick a suitable option.
- TimeNovember
Prepare the cancellation
Fill in, review, sign the documents. We handle the forms.
- Time30 November
Cancellation deadline
Registered letter must have arrived. Later submissions do not count.
- TimeDecember
Receive new policy
The new insurer confirms the start of coverage in writing.
- Time1 January 2026
New insurer active
Coverage continues seamlessly, now at the lower premium.
Send the cancellation by registered mail already in mid-November. That leaves three weeks of buffer for postal delays and you will never miss the deadline.
Three ways to cancel your health insurer.
Depending on your situation a different cancellation path applies. We check for you which one is available in 2026.
Ordinary cancellation
You switch as of 1 January of the following year. Applies to everyone, no justification needed.
- Submit by registered mail to the old insurer
- Only effective if received on time
- No health check required
Extraordinary cancellation right
If your insurer raises the premium for 2026 you may cancel extraordinarily, also as of 1 January.
- Applies to every basic-insurance premium increase
- Cancellation must arrive before the deadline
- Also possible when the insurer changes the model
Switch as of 1 July
Only possible if you are currently insured under the standard model with the CHF 300 deductible.
- Registered cancellation by 31 March
- Rarely used but legally valid
- Always compare beforehand
What is true about switching, and what is not.
A few stubborn myths surround the switch. We clear them up with hard facts.
- Myth
You lose loyalty discounts.
FactFalse. Loyalty discounts are forbidden by law in basic insurance.
- Myth
If you are ill you will be rejected.
FactFalse. Every insurer must accept you, regardless of health status.
- Myth
Benefits are worse at cheap insurers.
FactFalse. KVG benefits are 100% identical, required by law.
- Myth
Switching is complicated.
FactFalse. With our service the switch takes less than 10 minutes of effort.
- Myth
You have to switch doctor and hospital.
FactFalse. You stay with your family doctor and your hospital, unless you choose a family-doctor or HMO model.
You decide, we take care of the rest.
Our free switching service takes all the paperwork off your hands. From the health insurer comparison through the correct cancellation to the confirmation of the new policy, everything from a single source and in German.
- Comparison of every FOPH-recognised Swiss insurer
- Application and cancellation pre-filled, ready to sign
- Deadline check, registered mail included
- Confirmation of the new policy, personally tracked
Personal advice
On request, an experienced advisor guides you from the comparison to the confirmation.
Pre-filled forms
Application and cancellation reach you ready to sign, as PDF and printed.
Deadlines on track
We remind you of the key dates in time and check that everything is filed correctly.
100% non-binding
No obligation, no hidden contract. You decide, we execute.
Answers about switching health insurer in 2026.
The ten most frequent questions about switching, answered briefly and precisely.
- The cancellation must have arrived at your current insurer no later than 30 November 2025, by registered mail. In case of a premium increase the extraordinary cancellation right applies with the same deadline.
Ready for lower premiums in 2026?
Start switching health insurer and save several hundred francs per year, in 2 minutes, completely free.
100% free · Non-binding · All FOPH-recognised insurers