How to Switch Supplementary Insurance Correctly – Avoid Common Pitfalls
September is a busy time when it comes to switching health insurance. It is important to plan and execute the process carefully to avoid potential pitfalls. Below, we show you how to best switch your supplementary insurance and which mistakes you should definitely avoid.
Finding the Right Supplementary Insurance
Before considering a cancellation, you should look for insurance that better meets your current and future needs than your existing one. Carefully consider what is important to you in a supplementary insurance policy: For example, do you need special services such as alternative healing methods, supplementary dental benefits, or international coverage? This step requires time and care, as switching often becomes more difficult with advancing age. Professional advice can be crucial here to find suitable insurance.
Reviewing the Cancellation of Your Existing Supplementary Insurance
Once you have found suitable new supplementary insurance, it is important to clarify if and when you can cancel your existing supplementary insurance. There are various cancellation options. It is important to note any deadlines that must be met:
- Ordinary Cancellation: According to the Insurance Contract Act (VVG), insurers set their own cancellation periods. In most cases, this period is three months to the end of the year, meaning your cancellation must be received by the insurer by the end of September at the latest. However, the period can also be longer, so it is worth checking your contract terms carefully.
- Cancellation in Case of Claim: If you have reported a claim, you have the right to cancel your supplementary insurance with the appropriate notice period. This can be an exceptional way to switch your insurance.
- Cancellation Due to Premium Increase: If your health insurance company increases premiums, you generally have a special right of cancellation. The exact deadlines can be found in the respective contract terms. Some insurers give you until the end of the year, others only one month after the increase is announced.
- Cancellation When Moving to Another Canton: Should you move to another canton, and your insurance does not offer supplementary insurance there, you can also cancel.
Filling Out the Health Questionnaire Correctly and Truthfully
After you have found a suitable offer and informed yourself about the cancellation options of your insurance, the next step is to apply to the new insurer. A central point here is the health questionnaire. Make sure to complete the health questionnaire fully and truthfully, as incorrect information can later lead to exclusion of benefits or even the loss of complete insurance coverage.
Cancel Only After Receiving Confirmation of Acceptance
A common mistake when switching supplementary insurance is prematurely canceling the old policy. Only cancel your existing supplementary insurance once you have received written confirmation of acceptance from the new insurer. The new insurer has the right to refuse your application. Premature cancellation could therefore lead to undesirable gaps in insurance coverage.
Due to the wide range of offers and potential pitfalls when switching supplementary insurance, we recommend seeking advice from an expert. Our customer advisors are happy to assist you and support you both in choosing the right supplementary insurance and throughout the entire switching process. Secure the best possible insurance coverage in good time – we look forward to helping you!
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