Can a Swiss health insurer refuse you?
The answer
No. For basic insurance, all 34 Swiss insurers must accept anyone resident in their operating area, whatever their age or health.
Why
This is the duty to admit written into the health insurance act. No health questionnaire, no exclusion, no refusal: an insurer asking for a medical examination for basic cover is outside the law.
Supplementary policies fall under private law. They may ask health questions, refuse, or accept with exclusions. That is why you should never cancel a supplementary policy before the new one is confirmed in writing.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Are the benefits the same at every insurer?
- Which deductible should I choose?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- Why does my neighbour pay less than me?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- Do I have to insure a newborn, and when?
- How many health insurers are there in Switzerland?
Source: Federal Office of Public Health (FOPH), official premiums.