Obligation to accept
In one sentence
No insurer may refuse you basic cover, whatever your age or state of health.
What it changes for you
It is the counterpart of the duty to insure, and it changes everything: a chronic illness, advanced age, or ongoing treatment close no door in basic insurance. Caution applies only to supplementary policies, where refusal is lawful. Many people stay with an expensive insurer for fear of a rejection that, in basic cover, cannot happen.
Read next
- LAMal (basic insurance)The federal law making health insurance compulsory and setting a benefits catalogue identical at every insurer.
- Supplementary insurance (VVG)Everything beyond the basic catalogue: private room, complementary medicine, glasses, dental, abroad.
- Notice periodYour letter must have reached the insurer by 30 November for a change on 1 January.