What happens to my insurance if I lose my job?
The answer
Basic cover continues unchanged — nobody can exclude you. But the employer’s accident cover ends thirty days after the employment relationship does: you then have to reactivate it with your health insurer, which costs around CHF 358.50 a year.
Why
Two ways to bridge the thirty-day gap: an extension agreement with the employer’s LAA insurer, or immediate reactivation of accident cover with your health insurer. Doing nothing is the only wrong choice.
If your income falls, apply again for a premium subsidy at the cantonal office: entitlement is assessed on the current year’s situation, not the previous one.
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?
- Can a Swiss health insurer refuse you?
- 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?
- How long do I have to get insured when arriving in Switzerland?
- Does my employer insure me against accidents?
- What happens to my insurance if I move to another canton?
- Is personal liability insurance mandatory in Switzerland?
- Is household insurance mandatory in Switzerland?
- Partial or comprehensive casco: which one?
- Should I report a small claim to my car insurer?
- Can a supplementary policy be cancelled together with basic insurance?
- Is buying into your pension fund worth it?
Source: Federal Office of Public Health (FOPH), official premiums.