In this article, how to choose the right health insurance. We will analyze how to quickly choose the health insurance that suits the reader🧐
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For a better understanding of this article. I suggest you also read my article concerning “how to save with health insurance?
How Choosing the right health insurance?
1 – Basic information
According to my knowledge, there are 2 solutions to compare health insurance:
You go to http://fr.comparis.ch Or https://www.priminfo.admin.ch/fr.
👉 Next, you need to select the basic information for your future insurance.
- Postal code of residence
- Sex
- year of birth
- Desired franchise
- With or without accident insurance (if you have an employer where you work more than 8 hours per week, there is no need).
2 – Doctor Choice and Insurance Model
Once you have your basic selection. You will need to choose a doctor model.
Basically, the more you pay, the freer you will be to choose the pharmacy and the doctor. The cheaper it is, the more limited you will be in the choice of doctor and pharmacy.
If free choice of doctor is not important to you. In this case, you add all possible models and see which model is the cheapest for your medical needs 😉
3 – Franchise
The insured will have to pay for the first medical care. This is called a deductible.
The higher the deductible, the automatically cheaper the monthly premium for basic health insurance will be.
On the other hand, the higher the deductible, the more the insured will have to pay for initial health care out of pocket.
4 – Monthly price
In conclusion, all you have to do is select the cheapest insurance.
Seen that all insurances offer the same benefits. Do not hesitate to take the cheapest insurance according to the filters you have chosen 👍
Change of insurance?
Note that insurance companies announce the prices of their services for the following year, around September/October of each year.
This is the ideal time to go to priminfo or comparis to analyze prices for the following year.
➡️ When you have made your choice, you will have three options:
- Change insurance for another insurance with a better price.
- Keep insurance by changing the deductible or the conditions proposed.
- Keep the insurance with the same deductible and the same conditions as your current contract.
If we assume that you chose the third option, that is where you keep the same insurance with the same conditions. You can return to your hobbies. You don't have to do anything 😎.
Termination of health insurance contract
👉 On the other hand, if you choose the first or second option. You will have a little administrative work to do (it will be quick, don't worry)😉.
In fact, you will have to write a letter to:
- Either inform your insurance company of the changes you want.
- Either terminate the insurance contract by December 31.
If you decide to cancel an insurance contract. You don't have to worry when you write the letter. Simply the basics of a termination letter such as:
- Your name
- Delivery address
- Date of letter
- State a desire to cancel the insurance (without going into too much detail).
- Specify the date of insurance termination (in this case, December 31)
- Sign
And you send the termination letter in by registered mail. To have proof 😉
⚠️ Do not forget it ! You have at most until November 30 to cancel or inform you of your wish for change basic health insurance!
Now, after this date, your current insurance has the right to keep your contract for one more year. And to realize an increase in premiums for the following year. ⚠
Swiss law ➕
➡️ I remind you that, at the time of writing, according to Swiss law, everyone residing in Switzerland must have basic health insurance on January 1st ❕
(And yes, it's the law. A law that doesn't benefit healthy workers at all. In short).
👉 Therefore, you have until December 31 for having reached an agreement with basic health insurance for January 1 of the following year.
Note that health insurance laws are decided by the Lamal.
Supplementary health insurance ?
After you have received the new insurance contract. Note that it is possible that your new insurance company will offer you additional insurance (they are still trying to sell🥱).
👉 In this case, I advise you to politely refuse offers. You can always add them later if you want. 😊
Conclusion
➡️ In broad terms, here is a graph to summarize the important delays with health insurance 🧐
Attention ! Note that I wrote this article to help the reader choose their insurance needs. In this regard, each person is responsible for choosing their insurance and the financial consequences are the responsibility of the reader. ❕❗
To conclude, have you understood how to choose the right health insurance? 🤔
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