As the end of November approaches, individuals are reminded of the opportunity to switch their health insurance plans, potentially leading to significant savings.
The federal government has announced an average premium increase of six percent for health insurance in 2025, with the cheapest tariffs expected to rise even more steeply, by an average of 8.8 percent. This trend indicates that policyholders may need to reassess their current plans to avoid higher costs and explore more affordable options.
Despite the looming increases, there has been a noticeable decline in the number of health insurance comparisons conducted this year compared to the previous year. This reduction may be attributed to the smaller differences in premiums across various plans, even in light of the overall average increase. According to estimates from Santésuisse, approximately 800,000 insured individuals, or 8.8% of the total, are expected to switch their health insurance in the 2023/2024 period, reflecting a similar trend anticipated for 2024/2025.
In addition to switching providers, there are further avenues for savings that policyholders can explore. One such method involves the payment structure of premiums. By opting to pay premiums in advance—either every six months or annually—individuals may qualify for discounts ranging from 0.25% to 2%. It is advisable for consumers to inquire directly with their health insurance companies regarding these potential savings.
Certain health insurance providers are noted for their accommodating policies regarding discounts. However, not all companies offer such incentives. This disparity highlights the importance of thorough research and comparison when selecting a health insurance plan.
For those considering a change in their health insurance, the process involves several key steps. Initially, individuals should compare various health insurance companies, their premiums, models, and deductibles. Once a suitable offer is identified, a new basic insurance policy can be initiated. It is crucial to terminate the existing policy through a registered letter in a timely manner to ensure a smooth transition.
It is important to note that basic and supplementary insurance can be altered independently, providing flexibility for policyholders. However, individuals must ensure that there are no outstanding costs, such as unpaid premiums or debt collection fees, before initiating a cancellation of their current health insurance. This requirement underscores the necessity for policyholders to maintain clear financial records and stay informed about their obligations.
As the deadline for changing health insurance approaches, consumers are encouraged to take proactive steps to evaluate their options. With rising premiums on the horizon, the potential for savings through strategic planning and informed decision-making is more critical than ever.