Reminder: Don't forget the cancellation deadline for your supplementary insurance!

While you're contemplating your health insurance, let's take a closer look at the Swiss health insurance system. 😊🏥

KVG vs. VVG – The Subtle Difference 🤔

KVG (Health Insurance Act)

Your basic insurance covering all necessary medical services. This insurance is mandatory for all residents in Switzerland and provides standardized services. However, premiums may vary depending on the insurer. Whether it's a simple cold or a complicated cancer operation, the KVG ensures you're covered! 🚑💰

VVG (Insurance Contract Act)

This is where supplementary insurances come into play. These are voluntary and offer a wide range of additional benefits beyond the basic offerings of the KVG. Benefits can vary significantly from insurer to insurer, so it's worth comparing offers carefully. With a VVG supplementary insurance, you can secure yourself a private room in the hospital, comprehensive dental treatments, or even coverage for your fitness subscription. Fancy a bit of luxury? 😎🦷

Keep an Eye on the Cancellation Period! ⏰

When it comes to cancelling your VVG supplementary insurance, timing is crucial. Cancellation periods are usually either 3 or 6 months. It's important to adhere to these deadlines precisely to avoid being automatically renewed.

Who Has a 6-Month Cancellation Period? 🤓

Here's a handy overview of insurers with a 6-month cancellation period:

• Assura
• Groupe Mutuel
• Easy Sana
• Mutuel Assurance
• Philos

What to Consider Before Cancelling Your Supplementary Insurance 💡

Before cancelling your supplementary insurance, consider some important points:

• Ensure New Insurance: Make sure you have confirmation from a new insurer before cancelling your old contract. Nobody wants to end up without insurance coverage!
• Health Condition: Have you had surgery or a serious illness in recent years? This could make it difficult to be accepted by a new insurer.

Therefore: Always assess the situation before making a decision! 🌉

Cancellation Periods of Other Insurers

To give you a comprehensive overview, here's a practical summary of insurers with a 3-month cancellation period:

• Atupri
• Concordia
• CSS
• Helsana
• Sanitas
• Swica
• Visana

For most insurances, you must submit your cancellation by September 30 for it to take effect at the end of the year.

Conclusion

That's all for today. Stay healthy and don't let the insurance jungle overwhelm you! It's important to be well-informed and act in a timely manner to ensure the best insurance coverage for your needs. 🌿😉

Until next time,

Your Caveo Team

Sources:

Comparis: Cancellation Period Supplementary Insurance

HelloSafe: Cancelling Supplementary Insurance

Insurance Switzerland: Cancellation Periods Supplementary Insurances