SHARE
COPY LINK

HEALTH INSURANCE

REMINDER: Deadline approaches for all changes to Swiss health insurance

Unsatisfied with your health insurance contract or have found a better one? You need to make your changes soon.

A red lettered sign which says 'emergency'
If you have Swiss health insurance you have until November 30th to change over policies or providers. Image: Pixabay

Switzerland’s world-class healthcare system comes with a price, but while most options are costly, choosing the right plan can save you hundreds of francs per month. 

In many cases, you can get the same benefits as you currently get but for a lower price. If you want to change your policy or provider, you need to make changes for the upcoming year by November 30th. 

READ MORE: Five tips for getting cheaper health insurance in Switzerland

This can be the case particularly for foreigners in Switzerland, who may have come to the country and been signed up for an insurance plan – for instance through recommendations from friends or workmates – without properly knowing the ins and outs of the healthcare system. 

The following guide provides info on how to change your healthcare provider, but keep in mind that if you want to cancel your current plan and switch to another one, you must notify your carrier, by registered post, by November 30th at the latest.

READ MORE: How to change your health insurance carrier in Switzerland 

If you aren’t sure yet if you want to change, there’s still time, but you better get things moving ASAP. 

The Swiss healthcare system can be difficult to work out for people who have spent a long time in Switzerland, so don’t despair if you find it a little tricky. 

The following guide has all the information you need about Switzerland’s healthcare system, with valuable information on choosing the right provider. 

Everything you need to know about health insurance in Switzerland

Member comments

Log in here to leave a comment.
Become a Member to leave a comment.
For members

HEALTH INSURANCE

EXPLAINED: Should I take out Swiss health insurance before or after the birth of my baby?

In Switzerland, you can choose between taking out health insurance for your baby either before or after the birth – but there’s a catch.

EXPLAINED: Should I take out Swiss health insurance before or after the birth of my baby?

In Switzerland, basic health insurance is mandatory even for the youngest among us.

Though it is generally recommended to register your baby with a health insurance prior to giving birth to save yourself the admin headache during recovery and bonding time, you can also take out health insurance after birth – though this could have financial consequences.

In any case, you should do this no later than three months after welcoming your baby.

When taking out basic health insurance after birth, your baby will be insured retrospectively from their birth. This also means that the premiums must be paid retrospectively up to the entire month of birth.

You must also inform your own health insurance of your new arrival. Note that your baby does not have to be registered with the same health insurance as you or your partner.

Are there any consequences to taking out basic health insurance for my baby after birth?

No, there are no financial consequences to taking out basic health insurance for your newborn following the birth, provided you do so within the necessary time frame.

What about supplementary health insurance?

While taking out basic health insurance will – hassle aside – play out the same way before and after the birth, this is not the case for (voluntary) supplementary health insurance.

In Switzerland, you are strongly recommended to register with a basic health insurance company during your pregnancy as this will enable you to take out supplementary health insurance for your baby at the same time. Some insurance companies, such as Concordia (100 francs), will even give you a so-called baby bonus.

Further to this, when registering your baby with a health insurance company for basic health coverage you will not be asked to provide any health check for your (unborn) baby.

However, when taking out supplementary health insurance after your child’s birth, the insurer will collect information about your baby’s health in the form of an extensive survey – similar to those adults in Switzerland have to fill out when registering with an insurance company.

This means that should your baby be born ill or with a disability, the insurance company can impose restrictions on the benefits they are to receive, or worse, refuse to sign a contract for your baby altogether.

According to a 2019 article by Swiss broadcasting company SRF, most Swiss supplementary health insurance companies will almost always reject a baby that is born with a disability as they consider them a ‘bad risk’.

You will also have to inform the insurance company of any illness or disability that has been detected during antenatal screening tests, in which case the insurer may again refuse to take your baby on.

However, note that the health insurance company is not allowed to request antenatal screening tests. Parents must only declare the results with the insurance if they have it.

In general, it is advisable to have your baby insured between the 4th and 8th month of your pregnancy.

SHOW COMMENTS