Making it easy to switch health insurer
Would you like to change to CSS Insurance (CSS, Arcosana, Intras)? - We will show you what you need to consider, and give you some useful tips about how quick and easy it is to change your health insurer.
How to change health insurer
To be able to change health insurer, you need to terminate your current health insurance by the set deadline. We nonetheless recommend that you get a quote from CSS before you give notice on your existing insurance. A notice period of one month applies to terminate your basic insurance properly with effect from 1 January. This means that you should give notice on your basic insurance by 30 November. You can then switch general health insurance company the following January, and will be insured with the CSS Group in the new year.
Frequently asked questions
Why don't I pay the same premiums everywhere?
The Federal Office of Public Health (BAG) defines specific premium regions. General health insurance companies are obliged to accept this arrangement with respect to basic insurance.
Health insurance premiums reflect the general costs of health care. If there are a large number of medical services available, greater use will be made of them. So in urban areas with many medical practices and specialised clinics, health expenditure is higher than in rural areas where fewer doctors practise. The differences are substantial.
By changing to an alternative insurance model, you can nevertheless save on premiums for basic insurance.
Does my new insurance cover take effect immediately?
Yes and no. There is a distinction here between basic insurance and supplementary insurance.
- In the case of basic insurance, your cover commences from the date on which the insurance begins – usually 1 January.
- In the case of supplementary insurance, there is often a "qualifying period". E.g. benefits for damage to teeth or pregnancy can only be drawn after a certain waiting period.