Change insurance cover

Adjust the deductible to suit your health costs. If you often have to go to the doctor, choose a low deductible, but if you hardly ever need medical treatment, a high deductible is recommended.

You don’t need a health check to change the deductible; it is independent of your state of health and ongoing medical treatments. You can find out more about the deductible in our dictionary.

A new deductible is always valid from 1 January of the following year. You can’t change the deductible during the course of the year.

• If you want to reduce your deductible, we must receive notification by 30 November or the last working day in November.
  
• If you want to increase your deductible, we must receive notification by 31 December or the last working day in December.

• Switch from the Basic standard model to an alternative insurance model with a deductible of CHF 300: possible at the start of any month
  
• Switch with a higher deductible or from one alternative insurance model to another: possible as of 1 January the following year*
  

_{* We must receive notification by 30 November or the last working day in November.}