Every autumn, the new premiums for mandatory basic health insurance (LAMal) are announced. It is the right moment to check whether your deductible and your insurer still suit your situation.<\/p>\n
To change basic insurer or deductible with effect from 1 January, your request must in principle reach the insurer no later than 30 November<\/strong>. It is better to act a few days earlier, by registered letter or through your insurer\u2019s online portal.<\/p>\n For an adult, the standard deductible is CHF 300; optional deductibles range from CHF 500 to CHF 2,500. The higher the deductible, the lower the premium, but the more you pay out of pocket when you need care. The right choice depends on your usual health costs and on the financial reserve you have available.<\/p>\n Basic insurance cannot be refused, but supplementary insurance (VVG\/LCA)<\/strong> is based on a health questionnaire. Cancelling a supplementary policy for a cheaper offer can lead to a refusal or to exclusions. Always check the terms and notice periods of your contracts before switching.<\/p>\nChoosing your deductible<\/h2>\n
Beware of supplementary insurance<\/h2>\n
Our advice<\/h2>\n