These two strands of reforms also affected the incentive structures for both insurers and providers in various ways which this article describes. Besides cost containment another leitmotif of reform have been attempts to increase competition both between sickness funds and providers of care. So far these measures did not have a negative effect on broad outcome measures such as life expectancy, which continued to rise, and self-assessed health of the population, which remained stable in the period 1992-2002. The primary measures to do this have been the introduction of budgets and a shift of expenditure towards private households mainly in the form of benefit exclusions and increased co-payments. The primary goal of health-care reforms since the 1990s has been to contain the expenditure of the SHI. Coverage of the SHI has remained fairly constant at about 90% whereas the rest of the population is insured for the most part with private health insurance.
If you would like further advice, please do not hesitate to contact us.The core of the German health-care system is the statutory health insurance (SHI).
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If you would like to change your health insurance company, make the free health insurance company comparison with us and request an offer from your preferred provider directly. If your health insurer increases the premium for the supplementary insurance, you may terminate the contract with one month's notice and switch to another provider.Ĭompare offers and change health insurance Therefore, please read the insurance conditions carefully and adhere to the cancellation date stated there. The notice periods for the supplementary insurance are determined individually by each health insurance company. You can therefore keep your basic insurance and only switch to a supplementary insurance from another provider. You can change your basic insurance and supplementary insurance independently of each other. This means that your letter of cancellation must be received by your health insurance company by 31 March at the latest.Ĭhange health insurance fund: Deadline for cancellation of supplementary insurance The cancellation will then take effect on 30 June. If you have taken out basic insurance with a regular deductible of CHF 300 per month, an additional termination date in the middle of the year applies. You then have until 31 May to cancel your insurance and can switch to another health insurance company on 1 July.Ĭhange health insurance companies: Date for basic insurance with regular deductible rate If your health insurance company increases the premium by the middle of the year, you must be informed by the end of April. The cancellation will then take effect on 31 December. The date on which the letter of cancellation from the insurance company is actually received is decisive, not the date of the postmark. The insurer must have received notice of termination of the basic insurance by 30 November at the latest. If you would like to change your health insurance after an announced premium increase, you can do so at the end of the year.
There are different notice periods to be observed.Ĭhange health insurance fund: Until when do you have to cancel your basic health insurance? You will then have to cancel your old health insurance. You select your preferred offer and register with the new health insurance company using the attached form. There is also potential for savings if you set a higher annual deductible.Īfter the health insurance comparison, you request an offer from one or more health insurance companies.
When comparing insurances, also check whether it is worth switching to an alternative insurance model. In this way, you will find the cheapest insurer for your claims. If you have received this information letter, you may change your basic insurance by the end of the year.īefore you change your health insurance fund, you should first carry out a health insurance fund comparison. The health insurance funds must inform their policyholders in writing of the new monthly premiums by 31 October at the latest. Each autumn, the Federal Office of Public Health (FOPH) approves the health insurance premiums for the coming year.
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