Basic: 30 November
For a switch on 1 January, your current insurer must receive your cancellation by 30 November. Send it early and keep proof of receipt.
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HEALTH INSURANCE
Health insurance.
What do you need?
Looking for a better price or more cover? Choose what matters to you below. I’ll help you compare.
20–30 minutes · English or French · No obligation
YOUR COVER. YOUR PRIORITIES.
Your needs, in a few clicks.
Select your priorities, then leave your contact details. Free and without obligation.
When can you switch?
A few dates to keep in mind before changing your cover.
Supplementary: often 30 September
Many policies require three months’ notice for a year-end cancellation. Your contract’s minimum duration and cancellation terms determine the actual deadline.
Premium changed? Check the letter
A premium change may give you a separate cancellation right. Check the deadline in the notice and the policy terms, even if the ordinary deadline has passed.
Keep your existing supplementary cover until the replacement is accepted in writing and the cancellation dates are confirmed.
Basic insurance: choose how you access care
The statutory benefits are the same across insurers. The premium and the first point of contact differ.
Standard / free choice
Consult a doctor or specialist directly, without a model-specific first-contact requirement. Usually costs more.
Family doctor / HMO
Start with your designated doctor or medical centre, which coordinates care and specialist referrals.
Telemedicine
Contact the designated telephone service or app first and follow the model’s care instructions.
Pharmacy / flexible models
Start at a partner pharmacy or choose among authorised first contacts, depending on the model.
Check the approved provider list and exceptions, such as emergencies, before choosing. We’ll also review your deductible and whether accident cover is needed.
Supplementary cover: what matters to you?
Basic insurance covers statutory benefits. Supplementary insurance is optional and adds benefits defined by your policy.
Hospital
Semi-private: usually a two-bed room. Private: usually a single room. Depending on the policy, you may also choose from recognised hospitals and doctors. Flexible cover lets you choose the ward when admitted, with a share of costs.
Dental & orthodontics
Basic insurance generally does not pay for routine dental care. Supplementary cover can contribute towards check-ups, treatment and braces. Compare reimbursement percentages, annual limits, waiting periods and any dental examination required before acceptance.
Alternative medicine
Some complementary treatments by appropriately qualified doctors are covered by basic insurance. Supplementary cover can extend this to other eligible therapies and recognised practitioners. Check the method, therapist, reimbursement rate and annual limit before your first session.
Fitness, prevention & vision
Depending on your policy, supplementary insurance can contribute towards recognised gyms, fitness classes and preventive check-ups. Glasses and contact lenses may also be covered. Check eligible providers, reimbursement limits and how often you can claim each benefit.
Travel, transport & rescue
Basic insurance does not always cover the full cost of transport, rescue or treatment abroad. Supplementary cover can help with eligible ambulance journeys, mountain rescue, overseas emergencies and medical repatriation. Check destinations, limits and the assistance number to call before arranging transport, when circumstances allow.
Benefits vary by policy. A health questionnaire may be required; acceptance is not automatic. Basic and supplementary insurance can be with different insurers.
Useful references: FOPH / OFSPInsurance models / ModèlesPriminfoSupplementary / ComplémentairesBasic benefits / dental care
A quick question?
Is the first call free?
Yes. The initial 20–30 minute conversation is free and without obligation. Before any further service that carries a fee, we will clarify the terms.
Can we discuss my existing cover?
Absolutely. Your current arrangements are a useful starting point. We can review what they include before discussing alternatives.
What happens next?
I’ll contact you to discuss your needs and compare suitable options. You can also book a free call.
Benefits, limits, exclusions and acceptance depend on the insurer and the selected policy. The comparison will focus on the terms relevant to your situation.