Health Insurance
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Health insurance
It is a legal obligation in Switzerland to have health insurance because it is essential. Compulsory basic insurance provides all citizens with the same set of benefits. With supplementary insurance, you can adapt the level of protection individually to your life situation. Our goal is to help you find the best modules to reliably protect you and your family from health risks. At the same time, in many cases you can save significantly on premiums.
Towards affordable health insurance
3 steps
1
Quick & easy
request a free, no-obligation quote in just 2 minutes
2
Best offer
with special discounts tailored to your needs
3
Savings potential
with an average of 2,512 francs per year!
Why Switching Your Health Insurance Can Be a Game Changer ?
Switching your health insurance isn’t just about navigating through the complexities of available plans; it’s a strategic move that can significantly impact your financial health and access to quality care. Here’s why making a change could be beneficial:
- Adaptation to Your Changing Needs: Your health, financial situation, and family dynamics evolve over time. Staying with the same plan by default may not serve your current needs effectively. Annually reviewing your options during Open Enrollment can lead to substantial savings and improved care.
- Geographic Coverage Adjustments: Insurance providers frequently update their service areas. If your current plan no longer covers your region, you might be auto-enrolled in a similar but potentially less suitable plan. Proactively choosing a new plan ensures your healthcare needs and preferences are met.
- Doctor Network Changes: Healthcare professionals regularly update the insurance plans they accept. If your preferred doctor is no longer in-network, switching plans can help maintain those crucial healthcare relationships without incurring out-of-network costs.
- Cost Variations: Even if your plan remains the same, your costs might not. Insurance companies adjust prices based on the changing landscape of healthcare costs. By comparing plans, you can potentially find a more cost-effective option that doesn’t sacrifice coverage quality.
- Care Level Reassessment: Reflect on your past year’s healthcare needs and expenses. If your current plan didn’t align well with your usage, consider switching to a plan that offers better value for your specific healthcare requirements.
- Prescription Coverage Shifts: Insurance plans can change their covered medications list. To avoid unexpected expenses, verify your prescriptions are still covered. If not, looking for a plan that does cover your medications is crucial.
- Income Fluctuations: Changes in your income can affect your eligibility for subsidies, impacting the affordability of your health plan. Regularly updating your income information can help you maximize savings and ensure you’re getting the most appropriate subsidy.
Switching your health insurance plan is not just a matter of navigating administrative hurdles; it’s a proactive step towards optimizing your healthcare coverage and financial well-being.