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Changing health insurer

Would you like to change to CSS Insurance (Arcosana, Intras, Sanagate) as your new health insurer? It couldn’t be easier – it only takes a few steps. Don’t forget the period of notice for your current health insurance.

What to do for mandatory basic insurance:

  1. Get a personal offer – it only takes a few minutes using the
    Premium Calculator
  2. Take out the insurance online or print and sign the application and send it to us.
  3. N.B.: Cancel your old insurance by registered letter. Your cancellation notice must reach your old insurer by the end of November (i.e. the last working day in November) if you want to be insured with us the following year. We are happy to cancel your insurance for you on request. 
  4. You’ll then receive confirmation of admission from us.

What to do for supplementary insurance:

  1. Get a personal offer – it only takes a few minutes using the Premium Calculator.
  2. Take out the insurance online or print and sign the application and send it to us.
  3. We may need to ask you for further medical details. We’ll let you know our decision as soon as possible.
  4. Don’t forget the period of notice for your old supplementary insurance. You can usually cancel up to 30 September, effective from the end of the year. We’ll be happy to cancel your insurance for you on request.

Frequently asked questions

Why do I pay higher premiums in town?

The Federal Office of Public Health (FOPH) defines specific premium regions. Health insurance companies are obliged to accept this arrangement with respect to basic insurance.
Health insurance premiums reflect the general costs of healthcare. 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". For dental damage and pregnancy, for example, you can only draw benefits after a certain waiting period. 

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