Cambiar de seguro de enfermedad

What you gain, without losing anything

Median across Switzerland's 42 tariff zones; depending on the region the gap runs from CHF 615 to CHF 1183 a year. Basic insurance benefits are set by law and identical from one insurer to the next. You are not paying less for less — you are paying less for the same thing.

A more spectacular figure circulates: CHF 2277 a year, the gap between the dearest and the cheapest premium in one region. It assumes you currently pay the dearest of all, which almost nobody does. We show the gap from the average, which describes an ordinary insured person.

The 2027 timetable

1. 09.2026The FOPH publishes the year’s premiums.
2. 15.11.2026Send your termination by registered mail — the date the FOPH advises.
3. 30.11.2026Last day the termination can REACH your insurer.
4. 31.12.2026All your premiums for the year must be paid.
5. 01.01.2027Your new insurer takes effect.

The three conditions

1. 1The termination must REACH your insurer before 30 November — the postmark does not count. Send it by registered mail before 15 November.
2. 2All your premiums must be paid by 31 December. A single late invoice voids the change.
3. 3Sign up with the new insurer while you terminate: it is obliged to accept you, with no reservation and no waiting period.