Based on a decision of the Federal Council, the amended Insurance Contract Act (VVG) comes into effect on 1 January 2022. It applies to supplementary health insurance and other forms of insurance governed by the VVG. All insurance companies are obliged by law to alter their General Insurance Conditions (AVB) accordingly.
You will enjoy even better protection as a consumer in future. So – now is the time to find out about the advantages to you as a client with supplementary insurance.
The key points in relation to your insurance contract are set out here.
The VVG had never been fundamentally reworked since first coming into force in 1910. Therefore, it was no longer in keeping with the needs and concerns of today's clients and consumers. The revision is based on a Federal Council decision, which decrees that the amendments shall apply to all insurance companies as of 1 January 2022. The necessary legislative changes were adopted on 19 June 2020.
It applies to all supplementary health insurance plans and other forms of insurance, such as household, legal expenses and travel insurance, offered by all insurance companies.
No. You can now cancel all insurance contracts at the end of the third year. That means the start date of the insurance is decisive. For example:
If the insurance you originally took out has meantime been replaced by a successor product, the AVB for the original solution will not have been amended. You are welcome to request the AVBs for these insurance plans from us.
