Cutting down significantly on monetary rewards/perks.
In just a few months, the policies for the next year's basic insurance will be available, providing individuals with the opportunity to review and potentially change their news plans. This process is designed to be straightforward and simple, requiring no complex procedures.
One of the key advantages of changing basic insurance is the potential for significant savings. It is possible to save several hundred francs by comparing and switching to the cheapest offer. The cheapest basic health insurance providers vary by region and model, but tools like the Swiss health insurance premium calculator can help you identify the most cost-effective news.
When considering new policies, it's essential to understand that basic insurance does not have age or health restrictions for coverage. Regardless of your age or any health problems, you will be covered under the new policy. The new health insurance company cannot refuse coverage, ensuring that everyone has access to basic news.
Comparing and switching basic insurance policies is made easy. You can compare different models such as house doctor (Hausarzt), HMO, or Telmed, and even choose higher deductibles or exclude accident coverage if you are insured through your employer.
However, it's important to note that higher premiums are expected with the new policies. While savings can be made through careful comparison, it's crucial to balance cost with the level of coverage you require.
By the end of October, you will have the opportunity to review and change your basic insurance policy. Taking the time to compare and switch could result in significant savings, making it a worthwhile endeavour for many individuals. So, start your research early and find the best deal for you in 2025.
