Key facts
- Switching insurer is free and does not change your basic cover.
- Deadline: your cancellation must be received by 30 November 2026 to switch on 1 January 2027.
- There is never a gap in cover: your old insurer keeps you until the new one confirms.
- Unpaid premiums under debt collection: you cannot switch until they are paid.
5 steps
- Compare 2027 premiums for your region, age, deductible and model.
- Apply to the new insurer for 1 January 2027. It cannot refuse you for basic insurance.
- Cancel your current insurer by registered letter, received by 30 November 2026. Free letter template (French).
- Keep your supplementary insurance until another insurer has accepted you in writing.
- Check the confirmation and your new policy before 1 January.
FAQ
How do I change health insurance in Switzerland for 2027?
Apply to the new insurer, then send a registered cancellation letter to your current insurer, received by 30 November 2026.
Can a Swiss health insurer refuse me?
Not for basic insurance (LAMal/KVG). Supplementary insurance can be refused after a health questionnaire.
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