Health Insurance Switch Intake
Swiss health insurance (Krankenkassenwechsel) switch intake form: current fund and plan, desired new fund, family members, canton of residence, basic and supplementary cover preferences. Compliant with Swiss KVG.
About this template
Every year in Switzerland, hundreds of thousands of residents switch their health insurance fund (Krankenkasse) during the annual switching window (October-November for year-end change). Insurance brokers, comparison platforms, and independent advisors use structured intake forms to gather the information needed to identify the optimal fund, model, and franchise combination for each client.
What this form collects
- Personal details and date of birth for each insured family member
- Canton of residence and commune
- Current health fund and insurance model (standard, HMO, Telmed, family doctor)
- Current annual franchise (deductible)
- Desired new fund preferences
- Supplementary insurance (Zusatzversicherung) requirements
- Preferred hospital cover level (general / semi-private / private)
- Doctor and pharmacy preferences
- Current medications or ongoing treatments
- Authorisation for broker to act on behalf of client
KVG switching deadlines
To switch basic health insurance (Grundversicherung) as of 1 January, notice must reach the current insurer by 30 November. For mid-year switches (1 July), notice must be given by 31 May. The new insurer must accept every applicant without health screening for basic cover. Supplementary insurance (VVG) may involve health questionnaires and can be declined.
How to use this template
Use this template
Click 'Use template' to create a copy in your dashboard.
Configure for your brokerage
Add your firm name and, optionally, a list of the funds you represent to streamline product preference collection.
Send to clients in October
Share the link with your clients during the switching season (October-November) so you have all data ready before the deadline.
Process and compare
Use the completed data to run fund comparisons and prepare personalised switching recommendations.
Swiss Health Insurance Switching: A Complete Guide
Switzerland's health insurance system is unique: every resident is legally required to hold basic health insurance (Grundversicherung) under the KVG (Krankenversicherungsgesetz), but they are free to choose their insurer and model. Premium rates vary significantly by insurer, model, and canton, creating a dynamic market where switching funds annually can save hundreds or even thousands of francs per year.
What is the difference between basic and supplementary insurance?
Basic insurance (Grundversicherung, KVG) covers a standardised benefit catalogue defined by law: doctor visits, hospitalisations, medications on the Spezialitätenliste, and certain preventive care. The cover is identical regardless of which fund you choose. Supplementary insurance (Zusatzversicherung, VVG) covers additional benefits such as private or semi-private hospital rooms, dental care, alternative medicine, glasses, and international cover.
What insurance models are available in Switzerland?
The standard model allows free choice of any doctor. The family doctor model (Hausarztmodell) requires routing all referrals through a designated GP, in exchange for a premium discount. The HMO model requires attending a specific group practice. The Telmed model requires calling a medical hotline before seeing a doctor. Premium discounts for restricted models can reach 15-25%.
How does the annual franchise (deductible) work?
The annual franchise is the amount the insured pays out-of-pocket before the insurer starts covering costs. Adults can choose from CHF 300, CHF 500, CHF 1,000, CHF 1,500, CHF 2,000, or CHF 2,500. Higher franchises mean lower premiums. In addition to the franchise, a 10% co-payment applies up to a maximum of CHF 700 per year for adults.
Can supplementary insurance be cancelled when switching?
Supplementary insurance (VVG) has different cancellation rules from basic insurance. It typically has a minimum contract term with annual cancellation windows. Advisors generally recommend keeping supplementary cover in place until equivalent new cover is confirmed.
Frequently asked questions
Can a health insurer refuse to accept me for basic insurance?
No. Under KVG Art. 4, every health insurer offering basic insurance in a given canton must accept every applicant regardless of age, health status, or risk profile.
How much can I save by switching health insurance in Switzerland?
Premium differences for identical basic cover between the cheapest and most expensive insurer in the same canton can exceed CHF 2,000 per year for an adult. Switching to a restricted model and choosing a higher franchise can further reduce premiums substantially.
What happens to my premiums if I move to a different canton?
Health insurance premiums are calculated per canton and region. Moving to a different canton requires updating your insurance to the new canton's rate. You should notify your insurer within 30 days of moving.