The short answer
Swiss health insurance runs on strict statutory deadlines. The three most important are: three months from arrival or birth to enrol in mandatory basic insurance (KVG); 30 November as the last date each year to switch basic insurer for 1 January; and a 30-day special termination right whenever your insurer announces a premium increase. Missing these deadlines can lock you into an uncompetitive policy for another year — or, for newcomers, trigger back-dated premiums and automatic assignment by the canton.
Key takeaways
- Basic insurance is mandatory within 3 months of arrival or birth (cover backdated).
- Annual switch of basic insurer: written cancellation must arrive by 30 November.
- Premium-increase notice: 30-day special termination window after the letter arrives.
- Franchise can only be changed for 1 January, with notice by 30 November.
- Supplementary insurance (VVG) has its own contractual notice periods — often 3 months before the anniversary.
- Prenatal registration secures supplementary cover for babies without health questions.
The full Swiss insurance calendar
Annual cycle for existing residents
| When | What happens | Your action |
|---|---|---|
| Late September | FOPH publishes new premiums for the following year | Review your renewal on priminfo.admin.ch |
| October | Insurers send annual premium letters | Compare alternatives, request offers |
| 30 November | Deadline for written cancellation to reach current insurer | Send by registered post; keep the receipt |
| 1 January | New basic insurance and new franchise take effect | Update payment details, cancel old direct debit |
Special termination after a premium increase
If your insurer notifies you of a premium increase, you have 30 days from receipt of the notice to terminate — even outside the November window. The termination takes effect at the end of the following month.
Newcomers to Switzerland
| When | Deadline |
|---|---|
| Arrival and municipal registration | Day 0 |
| Deadline to enrol in KVG basic insurance | 3 months from arrival |
| Cover start date once enrolled | Retroactive to arrival |
| Failure to enrol on time | Cantonal authority assigns an insurer; premiums back-dated; possible surcharge |
Read our newcomer guide for the full arrival checklist.
Newborns and expectant parents
| Moment | Deadline | Why it matters |
|---|---|---|
| During pregnancy (recommended) | Ideally before week 30 | Supplementary insurance for the baby without health questions |
| After birth — basic insurance | 3 months from birth | Retroactive cover from date of birth |
| After birth — supplementary (if not prenatal) | Application immediately after birth; still subject to acceptance | Certain conditions may lead to exclusions |
The Swiss Pregnancy Guide covers the full prenatal timeline in detail — see our guide.
Supplementary insurance (VVG) — contractual deadlines
Unlike basic insurance, supplementary cover is a private contract. Typical rules:
- Standard notice: 3 months before the contract anniversary.
- Multi-year contracts (2–5 years) sometimes only allow cancellation at the end of the fixed term.
- Since 2022, VVG contracts of more than three years can be cancelled at the end of the third year with three months’ notice.
Always read your policy schedule — the notice period is stated there.
Franchise changes
You can adjust your franchise annually. To take effect on 1 January, the request must reach your insurer by 30 November. Increases can also be effective at other reset dates set by some insurers — check first.
Moving canton or municipality
Basic insurance follows the person, not the address, but premiums are canton- and region-specific. When you move, notify your insurer promptly so your premium is adjusted. A house move also triggers a special termination right for supplementary insurance in some cases.
How to cancel correctly
- Send a written cancellation letter — email is not always accepted.
- Use registered post (Einschreiben).
- The letter must arrive at the insurer by 30 November — postmark is not enough.
- Cancellation only becomes valid once your new insurer has confirmed acceptance of your basic insurance application.
- Keep the postal receipt and a copy of the letter until the switch is confirmed.
Common mistakes
- Sending the cancellation by ordinary post at the end of November — it arrives after the deadline.
- Cancelling without first securing the new insurer’s confirmation.
- Assuming the 30-day right applies to any letter — it only applies to premium changes and certain contractual amendments.
- Forgetting supplementary insurance notice periods, which differ from basic insurance.
- New parents relying on the 3-month rule for basic insurance but missing the earlier prenatal window for supplementary cover.
What this means for your family
Two moments in the year determine most of your family’s insurance outcome: October–November (annual review and switching window) and the weeks around a birth or arrival. Diary these in advance. Everything else — models, franchises, supplementary contracts — can only be optimised inside these windows.
Frequently asked questions
Can I switch basic insurance mid-year?
Only after a premium-change notice (30-day special termination) or certain contractual changes. Otherwise, the next opportunity is the annual 30 November deadline.
Do I have to give a reason for cancelling?
No. Basic insurance cancellation does not require a reason.
What if my cancellation arrives late?
The insurer can reject it and you remain insured for another year. Always send registered post in mid-November at the latest.
Do premium reductions (Prämienverbilligung) have deadlines too?
Yes, application deadlines vary by canton and are usually in spring. Check with your cantonal social insurance office each year.
Next step
If you would like help preparing your annual review before 30 November — including a market comparison and correctly worded cancellation — our free consultation walks you through the process end-to-end.
Official Swiss sources
- Federal Office of Public Health — bag.admin.ch
- ch.ch — Changing health insurer — ch.ch
- Official premium comparison — priminfo.admin.ch
- Federal Insurance Contract Act (VVG) — fedlex.admin.ch
This article provides general information only and does not replace personalised insurance, legal, financial, tax or medical advice.