Switching health insurer made easy. In 5 steps, save up to CHF 3,673.20.
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 November 30, 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.
Save up to CHF 3,673.20
Per year and person, with identical basic-insurance benefits guaranteed by law.
Mandatory acceptance
No health check, no exclusion. Every insurer must accept you.
Seamless coverage
Not a single day without insurance. The switch on January 1 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 BAG-recognised insurer.
Your roadmap to switch on January 1, 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 the best offer.
- TimeNovember
Prepare the cancellation
Fill in, review, sign the documents. We handle the forms.
- TimeNovember 30
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.
- TimeJanuary 1, 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 January 1 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 January 1.
- Applies to every basic-insurance premium increase
- Cancellation must arrive before the deadline
- Also possible when the insurer changes the model
Switch as of July 1
Only possible if you are currently insured under the standard model with the CHF 300 deductible.
- Registered cancellation by March 31
- 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 GP and hospital, unless you choose a GP or HMO model.
You decide, we handle the rest.
Our free switching service takes care of all the paperwork. From the comparison through the proper cancellation up to the confirmation of the new policy, everything from one provider.
- Comparison of every BAG-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 independent expert guides you from comparison to 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 November 30, 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 the switch and save up to CHF 3,673.20 per year, in 2 minutes, completely free.
100% free · Non-binding · All BAG-recognised insurers