{"id":10830,"date":"2025-10-08T10:45:56","date_gmt":"2025-10-08T10:45:56","guid":{"rendered":"https:\/\/simply.ch\/aktuelles\/changer-correctement-dassurance-complementaire-evitez-les-pieges-courants\/"},"modified":"2025-11-20T12:40:57","modified_gmt":"2025-11-20T12:40:57","slug":"changer-correctement-dassurance-complementaire-evitez-les-pieges-courants","status":"publish","type":"post","link":"https:\/\/simply.ch\/fr\/actualites\/changer-correctement-dassurance-complementaire-evitez-les-pieges-courants\/","title":{"rendered":"Changer correctement d\u2019assurance compl\u00e9mentaire \u2013 \u00c9vitez les pi\u00e8ges courants"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10830\" class=\"elementor elementor-10830 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\">Changer correctement d\u2019assurance compl\u00e9mentaire \u2013 \u00c9vitez les pi\u00e8ges courants<\/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\tEn septembre, l\u2019activit\u00e9 bat son plein en ce qui concerne le changement de caisse maladie. Il est important de planifier soigneusement le processus et de l\u2019ex\u00e9cuter correctement afin d\u2019\u00e9viter d\u2019\u00e9ventuels pi\u00e8ges.  Nous vous montrons ci-dessous comment changer au mieux votre assurance compl\u00e9mentaire et quelles erreurs vous devez absolument \u00e9viter.\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-9607\" alt=\"Changer-correctement-assurance-compl\u00e9mentaire\" 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\">Trouver l\u2019assurance compl\u00e9mentaire adapt\u00e9e<\/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\tAvant d\u2019envisager une r\u00e9siliation, vous devriez rechercher une assurance qui corresponde mieux \u00e0 vos besoins actuels et futurs que celle que vous avez actuellement. R\u00e9fl\u00e9chissez bien \u00e0 ce qui est important pour vous dans une assurance compl\u00e9mentaire&nbsp;: avez-vous besoin de prestations sp\u00e9ciales telles que les m\u00e9thodes de gu\u00e9rison alternatives, les prestations compl\u00e9mentaires dentaires ou les couvertures internationales&nbsp;? Cette \u00e9tape demande du temps et de la minutie, car le changement devient souvent plus difficile avec l\u2019\u00e2ge. Un conseil professionnel peut \u00eatre d\u00e9terminant pour trouver une assurance adapt\u00e9e.   \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\">V\u00e9rifier la r\u00e9siliation de l\u2019assurance compl\u00e9mentaire existante<\/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\tD\u00e8s que vous avez trouv\u00e9 une nouvelle assurance compl\u00e9mentaire adapt\u00e9e, il est important de clarifier si et quand vous pouvez r\u00e9silier votre assurance compl\u00e9mentaire existante. Il existe diff\u00e9rentes possibilit\u00e9s de r\u00e9siliation. Il est important de tenir compte des \u00e9ventuels d\u00e9lais \u00e0 respecter&nbsp;:  \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>R\u00e9siliation <strong>ordinaire&nbsp;:<\/strong> Conform\u00e9ment \u00e0 la loi sur le contrat d\u2019assurance (LCA), les assureurs fixent eux-m\u00eames leurs d\u00e9lais de r\u00e9siliation. Dans la plupart des cas, ce d\u00e9lai est de trois mois pour la fin de l\u2019ann\u00e9e, ce qui signifie que votre r\u00e9siliation doit parvenir \u00e0 l\u2019assureur au plus tard \u00e0 la fin septembre. Toutefois, le d\u00e9lai peut \u00e9galement \u00eatre plus long, il est donc utile de v\u00e9rifier attentivement les conditions de votre contrat.  <\/li><li>R\u00e9siliation <strong>en cas de sinistre&nbsp;:<\/strong> Si vous avez d\u00e9clar\u00e9 un sinistre, vous avez le droit de r\u00e9silier votre assurance compl\u00e9mentaire dans le d\u00e9lai imparti. Cela peut \u00eatre une possibilit\u00e9 de changer votre assurance de mani\u00e8re extraordinaire. <\/li><li>R\u00e9siliation <strong>en raison d\u2019une augmentation de prime&nbsp;:<\/strong> Si votre caisse maladie augmente les primes, vous avez en principe un droit de r\u00e9siliation sp\u00e9cial. Les d\u00e9lais exacts sont indiqu\u00e9s dans les conditions g\u00e9n\u00e9rales du contrat. Certains assureurs vous donnent jusqu\u2019\u00e0 la fin de l\u2019ann\u00e9e, d\u2019autres seulement un mois apr\u00e8s l\u2019annonce de l\u2019augmentation.  <\/li><li>R\u00e9siliation <strong>en cas de d\u00e9m\u00e9nagement dans un autre canton&nbsp;:<\/strong> Si vous d\u00e9m\u00e9nagez dans un autre canton et que votre assurance n\u2019y propose pas d\u2019assurances compl\u00e9mentaires, vous pouvez \u00e9galement r\u00e9silier.<\/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\">Remplir le contr\u00f4le de sant\u00e9 correctement et conform\u00e9ment \u00e0 la v\u00e9rit\u00e9<\/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\tApr\u00e8s avoir trouv\u00e9 une offre adapt\u00e9e et vous \u00eatre inform\u00e9 sur les possibilit\u00e9s de r\u00e9siliation de votre assurance, l\u2019\u00e9tape suivante consiste \u00e0 d\u00e9poser une demande aupr\u00e8s du nouvel assureur. Un point central est le contr\u00f4le de sant\u00e9. Veillez \u00e0 remplir le questionnaire de sant\u00e9 de mani\u00e8re compl\u00e8te et conforme \u00e0 la v\u00e9rit\u00e9, car de fausses indications peuvent entra\u00eener ult\u00e9rieurement des exclusions de prestations, voire la perte de la couverture d\u2019assurance compl\u00e8te.  \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\">Ne r\u00e9silier qu\u2019apr\u00e8s confirmation d\u2019admission<\/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\tUne erreur fr\u00e9quente lors du changement d\u2019assurance compl\u00e9mentaire est la r\u00e9siliation pr\u00e9matur\u00e9e de l\u2019ancienne police. Ne r\u00e9siliez votre assurance compl\u00e9mentaire existante qu\u2019une fois que vous avez re\u00e7u la confirmation \u00e9crite de l\u2019admission de la nouvelle assurance. En effet, le nouvel assureur a le droit de ne pas vous accepter dans l\u2019assurance. Une r\u00e9siliation pr\u00e9coce pourrait donc entra\u00eener une couverture d\u2019assurance lacunaire non souhait\u00e9e.   \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\tEn raison du grand choix d\u2019offres et des \u00e9ventuels pi\u00e8ges lors du changement d\u2019une assurance compl\u00e9mentaire, nous vous recommandons de vous faire conseiller par un expert. Nos conseillers client\u00e8le se tiennent volontiers \u00e0 votre disposition et vous aident aussi bien dans le choix de l\u2019assurance compl\u00e9mentaire adapt\u00e9e que dans l\u2019ensemble du processus de changement. Assurez-vous \u00e0 temps la meilleure couverture d\u2019assurance possible \u2013 nous nous r\u00e9jouissons de vous aider&nbsp;!  \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\">R\u00e9server maintenant un rendez-vous de conseil<\/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>En septembre, l\u2019activit\u00e9 bat son plein en ce qui concerne le changement de caisse maladie. Il est important de planifier soigneusement le processus et de l\u2019ex\u00e9cuter correctement afin d\u2019\u00e9viter d\u2019\u00e9ventuels pi\u00e8ges. Nous vous montrons ci-dessous comment changer au mieux votre assurance compl\u00e9mentaire et quelles erreurs vous devez absolument \u00e9viter. Trouver l\u2019assurance compl\u00e9mentaire adapt\u00e9e Avant d\u2019envisager [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9607,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-10830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Changer correctement d\u2019assurance compl\u00e9mentaire \u2013 \u00c9vitez les pi\u00e8ges courants | simply<\/title>\n<meta name=\"description\" content=\"En septembre, l\u2019activit\u00e9 bat son plein en ce qui concerne le changement de caisse maladie. 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