Distinctions that control the next step
Build a documentary timeline
Record employment end, the notified end of affiliation and dates of insurer letters. The timeline helps frame questions but calculates no deadline.
Separate LAMal from LCA
The FOPH describes a transfer right in the LAMal system, while the LCA framework depends on law and policy terms. Ask which basis applies to the actual cover.
Obtain options before acting
Ask for retained benefits, premium, reservations or exclusions, formalities and proposed effective date in writing before accepting, refusing or changing anything.
Verify the route in four steps
Identify the system, documents already held and competent body before drawing a conclusion; sensitive material remains in that body's official channels.
Build a documentary timeline
Record employment end, the notified end of affiliation and dates of insurer letters. The timeline helps frame questions but calculates no deadline.
Separate LAMal from LCA
The FOPH describes a transfer right in the LAMal system, while the LCA framework depends on law and policy terms. Ask which basis applies to the actual cover.
Obtain options before acting
Ask for retained benefits, premium, reservations or exclusions, formalities and proposed effective date in writing before accepting, refusing or changing anything.
Obtain written confirmation
Contact the competent employer, insurer, AI office or pension institution directly and use only its secure channel.
Limits and essential checks
- This page confirms no transfer right, calculates no deadline and changes or terminates no contract.
- General information only: no incapacity is assessed automatically and no diagnosis is made.
- No entitlement, amount, deadline, rate, acceptance or contract change is promised; only the competent body may decide under the applicable rules.
- ClairAssur is not a reporting channel: do not send documents, health data, diagnoses, claim numbers or free-text case descriptions here.
Official sources
Sources are shown in an available official language; the current text and the competent body's decision prevail.
- OFSP — Assurance facultative d'indemnités journalièresOfficial French · Distinction officielle entre les régimes LAMal et LCA et leurs principes généraux.↗
- Fedlex — Loi fédérale sur l'assurance-maladie (LAMal)Official French · Texte fédéral consolidé du régime social, dont l'assurance facultative d'indemnités journalières.↗
- Fedlex — Loi sur le contrat d'assurance (LCA)Official French · Texte fédéral consolidé applicable aux contrats d'assurance privés; les conditions contractuelles restent déterminantes.↗
- FINMA — Vous avez un problème avec votre assuranceOfficial French · Rôles de l'assureur, de la surveillance, de la médiation et des tribunaux selon le type de différend.↗