Switch health insurance 2026. Intelligently solved.
Don't compare apples with oranges. Our AI and FINMA experts find the perfect solution for you.
Free Expert Check
Key dates for your switch
In Switzerland, you can switch your basic health insurance once a year. You can cancel your policy by 30 November and switch to a new insurer from 1 January.
30 September
Supplementary Insurance
Last day to cancel most supplementary insurances. These fall under the VVG and often have longer notice periods (usually 3 months).
30 November
Basic Insurance
Final deadline to cancel your basic insurance. In case of premium increases, you have a special cancellation right (30 days after notification).
1 January
Coverage starts
Your switch becomes officially effective. Ongoing treatments are seamlessly taken over by your new basic insurer.
What steps do I need to follow when switching?
Choose your new health insurer
Compare premiums, insurance models, and service quality. Pay close attention to your region and desired deductible level.
Submit application to new insurer
Fill out the application completely. Note that supplementary insurance applications often require a health questionnaire.
Wait for confirmation
Crucial step: Wait until you receive written acceptance from your new insurer before cancelling your old policy.
Cancel your old health insurance
Submit your cancellation in writing by November 30th. Use registered mail or an email with read receipt confirmation.
Verify cancellation confirmation
Check that the cancellation has been correctly confirmed and that all dates and deadlines match perfectly.
Is switching worth it? Savings examples.
Saving on health insurance premiums is concretely measurable. See how much Swiss households can save annually by switching insurers.
| Situation | Old Premium | New Premium | Savings |
|---|---|---|---|
| Single person (25 years old, Zurich) | CHF 380.- | CHF 310.- | CHF 840.- / year |
| Family (2 Adults, 2 Children, Bern) | CHF 1'150.- | CHF 980.- | CHF 2'040.- / year |
Example calculation based on publicly available premiums 2025/2026. Actual savings vary depending on deductible, insurance model, and location.
Choosing the right deductible
When switching health insurance, you can also adjust your deductible. Your choice of deductible has a massive impact on your premium.
Lowest Deductible (CHF 300)
A general rule of thumb in Switzerland: Choose the lowest deductible of CHF 300.- if you anticipate high healthcare costs (exceeding CHF 1'800.- to 2'000.-) in the upcoming year.
- Highly recommended for chronic conditions or regular, predictable medical treatments.
- Provides full cost control and minimizes your overall financial risk.
Highest Deductible (CHF 2'500)
If you are healthy and rarely visit the doctor, the highest deductible of CHF 2'500.- is generally the best choice. This maximizes your monthly premium discount.
- Recommended for young, healthy individuals without foreseeable medical expenses.
- Results in significant annual savings on your basic monthly premium.
Why switch with PrimAI?
Our FINMA-registered service takes care of the entire switching process.
100% Free Service
No hidden fees. PrimAI's switching service is completely free of charge for you.
Fully Independent
Zero insurance bias. Our AI objectively finds the absolute best market offer.
Fully Automated
Cancellations, applications, deadline tracking – we handle all the heavy lifting.
Perfect for Families
We perfectly optimize and coordinate the transition for the entire family structure.
Switching as a Family
Family health insurance switches require special attention because each member is insured individually. PrimAI coordinates the entire switch for your family. Each person requires a separate cancellation, and children can be insured with different companies than parents.
Pro Tip: It often makes financial sense to insure children with cheaper providers, while adults secure better conditions elsewhere. PrimAI automatically calculates the optimal combination while factoring in all applicable family discounts.
Guides for your current insurer
Currently insured with a specific health insurer? Find our detailed step-by-step guides for cancelling and switching here.