Which is the best basic insurance?

Most of the gaps in basic insurance can be filled by supplemental insurance. The most significant gaps include the coverage of the costs of dental care, glasses and alternative medicine.

When terminating your basic health insurance contract, make sure that you do this on time in the correct format and that all premiums are paid. Otherwise, the request may be rejected.

Some insurance funds accept terminations by email or fax. However, the safest form of termination is a registered letter:

• Submit your request in writing
• Date and sign it
• Send your application by registered mail
• If the termination request concerns several insured persons, each adult insured person must sign it
• Pay all bills for premiums and contributions. You have until the actual termination date to make any outstanding payments.

Basic insurance is mandatory in Switzerland. Therefore, your termination will only become effective once you have received proof of insurance from your new health insurance fund.

The notice periods for basic health insurance are stipulated in the KVG. They are the same for all health insurance providers in Switzerland.

• To terminate your insurance: Your request must be received by your insurance provider no later than the last working day of November.
• To decrease your deductible: Your request must be received by your insurance provider no later than the last working day of November.
• To increase your deductible: Your request must be received by your insurance provider no later than the last working day of the current year.

Working days are Monday to Friday, excluding public holidays.

Business days are Monday to Saturday, excluding public holidays.

Note: The date is not based on the postmark, but rather the date your insurance provider receives your request. We therefore strongly recommend that you send your application by registered mail.

The notice periods for supplemental insurance are different for each insurance provider. They are stated in the general terms and conditions of the insurance. Would you like to check the notice periods for your contract? Simply contact your advisor or the customer service hotline for your health insurance provider.

Cross-border commuters must have health insurance in Switzerland from their first day of employment. This applies under the bilateral agreements between Switzerland and EU/EFTA member states. If you live in Germany, France, Italy or Austria, you can choose to be insured in Switzerland or your country of residence. This option for cross-border commuters is known as the right of choice.
For more details, please see our dedicated page for cross-border workers. 

At Groupe Mutuel, you will find a wide range of models for basic insurance and supplemental health insurance. So it may be worthwhile for you to compare health insurance options. Example – basic insurance: You can increase your deductible or choose one of the alternative models instead of the standard model to lower your health insurance premium