{"id":10828,"date":"2025-10-08T10:45:56","date_gmt":"2025-10-08T10:45:56","guid":{"rendered":"https:\/\/simply.ch\/aktuelles\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\/"},"modified":"2025-11-20T12:40:57","modified_gmt":"2025-11-20T12:40:57","slug":"how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls","status":"publish","type":"post","link":"https:\/\/simply.ch\/en\/news\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\/","title":{"rendered":"How to Switch Supplementary Insurance Correctly \u2013 Avoid Common Pitfalls"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10828\" class=\"elementor elementor-10828 elementor-9604\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec100b9 e-flex e-con-boxed e-con e-parent\" data-id=\"ec100b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-425d767 e-con-full e-flex e-con e-child\" data-id=\"425d767\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6d246d8 e-con-full e-flex e-con e-child\" data-id=\"6d246d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f146220 main-color elementor-widget elementor-widget-heading\" data-id=\"f146220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How to Switch Supplementary Insurance Correctly \u2013 Avoid Common Pitfalls<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88cd41c elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"88cd41c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSeptember 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.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7aa6d9 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"a7aa6d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1394\" height=\"929\" src=\"https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-zusatzversicherung-richtig-hero.jpg\" class=\"attachment-full size-full wp-image-9606\" alt=\"Switch-Supplementary-Insurance-Correctly\" srcset=\"https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-zusatzversicherung-richtig-hero.jpg 1394w, https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-zusatzversicherung-richtig-hero-300x200.jpg 300w, https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-zusatzversicherung-richtig-hero-1024x682.jpg 1024w, https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-zusatzversicherung-richtig-hero-768x512.jpg 768w\" sizes=\"(max-width: 1394px) 100vw, 1394px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18ba19b e-con-full e-flex e-con e-child\" data-id=\"18ba19b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b6aac1 elementor-widget elementor-widget-heading\" data-id=\"5b6aac1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finding the Right Supplementary Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d23b25 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6d23b25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tBefore 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.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d55e4bc e-con-full e-flex e-con e-child\" data-id=\"d55e4bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a68604 elementor-widget elementor-widget-heading\" data-id=\"9a68604\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reviewing the Cancellation of Your Existing Supplementary Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06cd9e2 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"06cd9e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOnce 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:  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-105544b elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"105544b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Ordinary Cancellation:<\/strong> 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.  <\/li><li><strong>Cancellation in Case of Claim:<\/strong> 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. <\/li><li><strong>Cancellation Due to Premium Increase:<\/strong> 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.  <\/li><li><strong>Cancellation When Moving to Another Canton:<\/strong> Should you move to another canton, and your insurance does not offer supplementary insurance there, you can also cancel.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-927efc3 e-con-full e-flex e-con e-child\" data-id=\"927efc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2239ca elementor-widget elementor-widget-heading\" data-id=\"d2239ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Filling Out the Health Questionnaire Correctly and Truthfully<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-690508b elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"690508b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAfter 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.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14d69c7 e-con-full e-flex e-con e-child\" data-id=\"14d69c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-326f3fb elementor-widget elementor-widget-heading\" data-id=\"326f3fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cancel Only After Receiving Confirmation of Acceptance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48ef03f elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"48ef03f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA 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.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8d7d47 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e8d7d47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDue 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 \u2013 we look forward to helping you!  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1937d44 js-show-message-slide elementor-widget elementor-widget-button\" data-id=\"1937d44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book consultation appointment now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nicht-kategorisiert"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Switch Supplementary Insurance Correctly \u2013 Avoid Common Pitfalls | simply<\/title>\n<meta name=\"description\" content=\"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.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/simply.ch\/en\/news\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Switch Supplementary Insurance Correctly \u2013 Avoid Common Pitfalls | simply\" \/>\n<meta property=\"og:description\" content=\"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.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/simply.ch\/en\/news\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\/\" \/>\n<meta property=\"og:site_name\" content=\"simply\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-08T10:45:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-20T12:40:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/Zusatzversicherung-richtig-wechseln.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1394\" \/>\n\t<meta property=\"og:image:height\" content=\"929\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"development\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"development\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/\"},\"author\":{\"name\":\"development\",\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/#\\\/schema\\\/person\\\/a01634b4ac90715708b3587172e6a5a2\"},\"headline\":\"How to Switch Supplementary Insurance Correctly \u2013 Avoid Common Pitfalls\",\"datePublished\":\"2025-10-08T10:45:56+00:00\",\"dateModified\":\"2025-11-20T12:40:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/\"},\"wordCount\":547,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/simply.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/simply-aktuelles-zusatzversicherung-richtig-hero.jpg\",\"articleSection\":[\"Nicht kategorisiert\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/\",\"url\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/\",\"name\":\"How to Switch Supplementary Insurance Correctly \u2013 Avoid Common Pitfalls | simply\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/simply.ch\\\/en\\\/news\\\/how-to-switch-supplementary-insurance-correctly-avoid-common-pitfalls\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/simply.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/simply-aktuelles-zusatzversicherung-richtig-hero.jpg\",\"datePublished\":\"2025-10-08T10:45:56+00:00\",\"dateModified\":\"2025-11-20T12:40:57+00:00\",\"description\":\"September is a busy time when it comes to switching health insurance. 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