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Partner area

Switching and cancellation

Switch insurer without confusing basic and supplementary cover

Basic and supplementary contracts do not follow the same rules. Check the received document, official guidance and current terms before sending anything.

2026-08-293 Verified Swiss official sources
Switch insurer without confusing basic and supplementary cover

Checks before sending

Contract concerned

Identify cover, insurer, policy and period; one group may issue legally distinct contracts.

Format and receipt

Use the required address and method, keep dispatch evidence and verify receipt instead of relying on a generic date.

Continuity checked

Before ending supplementary cover, check the consequences without assuming a new acceptance.

A documented switching sequence

Classify the contract, prepare traceable dispatch and keep the reply.

  1. Contract concerned

    Start with the relevant document or need. Identify cover, insurer, policy and period; one group may issue legally distinct contracts.

  2. Format and receipt

    Compare only like-for-like items. Use the required address and method, keep dispatch evidence and verify receipt instead of relying on a generic date.

  3. Continuity checked

    Ask for written confirmation when the actual case requires a decision. Before ending supplementary cover, check the consequences without assuming a new acceptance.

  4. Keep evidence

    Archive documents, versions, dated dispatches and replies. A tool or comparison request does not suspend a deadline stated in a decision or contract.

Limits to keep in mind

  • A generated letter proves neither valid cancellation nor acceptance by another insurer.
  • This general information does not replace an authority’s decision, the policy or the insurer’s terms.
  • ClairAssur does not guarantee a premium, acceptance, cover, reimbursement or outcome.
  • Do not enter a diagnosis, treatment, medical record or any other health data in the comparison form.

Verified Swiss official sources

Each link displays its actual language. English sources are used where available; some official references remain in French, and that fallback is disclosed beside the link.

Switching and cancellation

Classify the contract, prepare traceable dispatch and keep the reply.

Swiss health insurance: separate LAMal and supplementary cover

Swiss health insurance: separate LAMal and supplementary cover

Open this resource without sending choices or health data.

Read the guide Supplementary health cover: read the offer and LCA terms

Supplementary health cover: read the offer and LCA terms

Open this resource without sending choices or health data.

Read the guide Prepare a cancellation letter

Prepare a cancellation letter

Open this resource without sending choices or health data.

Read the guide Check a cancellation date

Check a cancellation date

Open this resource without sending choices or health data.

Read the guide
Decide with visible rules

Useful Swiss insurance tools

Read the guides, explore regional pages or prepare a comparison request separately from the calculation.

Deductible and retention fee

Health cost sharing

Estimate the ordinary deductible and retention fee from annual costs you enter, with visible formula, caps and limitations.

Open tool LAMal · annual costs

Compare LAMal deductibles

Add your own annual premiums and estimated ordinary cost sharing for each deductible.

Open tool Premiums · private calculation

Compare two annual premiums

Annualise two entered amounts and compare their difference, including optional one-off fees.

Open tool Care pathways with visible rules

Educational comparison of Swiss basic insurance models

Compare the general care pathways of Standard, family doctor, HMO and telemedicine models without prices or recommendations.

Open tool Verified federal source

KVG/LAMal directory

Search locally across 34 health insurers from the official FOPH list effective 1 January 2026, with FOPH number, published name and listed website.

Open tool Official cantonal support

Premium reduction by canton

Find the official authority for health-insurance premium reductions in each of Switzerland’s 26 cantons.

Open tool Moving to Switzerland

Insurance checklist for newcomers

Separate compulsory health insurance, situation-specific steps, private cover and cantonal duties without entering personal data.

Open tool Accidents in Switzerland

Accident cover: UVG/LAA or LAMal?

Identify the system that generally applies to your work situation without sending personal data.

Open tool

Next step

Prepare a comparison request

Choose the insurance area that matches your need. The form opens on a protected page and you remain free not to submit it.

This block asks for no personal information.