Switch health insurer
Find out how much you save in 2027 on basic health insurance with another insurer, and create the cancellation letter right away. Free, no account and no commissions. Ubivo passes nothing on to insurers.
Your deadline
Your cancellation must reach your insurer by Monday 30 November 2026.
Your basic insurance then ends on 31 December 2026, and the new insurer covers you from 1 January 2027.
What counts is when the insurer receives it, not the postmark. The FOPH recommends sending the cancellation by registered mail or A-Post Plus by mid-November (15 November 2026) at the latest and keeping the receipt.
This applies to every model and every deductible, even if your premium stays the same or goes down (KVG Art. 7 para. 2, FOPH). Your insurer must tell you your 2027 premium by the end of October.
In the standard model with the ordinary deductible (adults and young adults CHF 300, children CHF 0) and without bonus insurance you can also cancel for the end of June, with three months’ notice (KVG Art. 7 para. 1). With a higher deductible, bonus insurance or in a family doctor, HMO, telemedicine or other model you can only switch at the end of the year (KVV Art. 94 para. 2, Art. 97 para. 2 and Art. 100 para. 3).
What you save in 2027
Cancellation letter
Your details for the letter stay in your browser. Ubivo does not store or see them.
From the FOPH list (as of 1 October 2026). If your policy or premium notice shows a different address, use that one.
Preview
Sehr geehrte Damen und Herren
Hiermit kündige ich die obligatorische Krankenpflegeversicherung (Grundversicherung) nach der Mitteilung der neuen Prämie gemäss Art. 7 Abs. 2 KVG auf den 31. Dezember 2026 für folgende Person:
| Name | Geburtsdatum | Versichertennummer |
|---|
Die Kündigung betrifft nur die Grundversicherung. Allfällige Zusatzversicherungen bleiben bestehen.
Der neue Versicherer teilt Ihnen gemäss Art. 7 Abs. 5 KVG mit, dass die Versicherung ohne Unterbruch weitergeführt wird. Bitte bestätigen Sie mir die Kündigung und das Ende des Versicherungsverhältnisses schriftlich.
Freundliche Grüsse
Still missing for the letter: your name, the insurer’s address, at least one person.
How to switch
- Sign up with the new insurer for basic insurance, online or with its form. You are free to choose the insurer (KVG Art. 4).
- Cancel with your current insurer, for example with the letter below. The order does not matter: your old insurance only ends once the new insurer has told it that you are covered without interruption (KVG Art. 7 para. 5).
- Keep both confirmations: your admission by the new insurer and the end of cover with the old one.
Good to know
- This tool covers basic insurance only. Supplementary insurance (for example a semi-private hospital ward or dental care) falls under the Insurance Contract Act with its own notice periods, see your policy. Your current insurer may not cancel it just because you switch basic insurance (KVG Art. 7 para. 8).
- If you have overdue premiums or cost-sharing for which you received a reminder, you can only switch once everything is paid (KVG Art. 64a para. 6). Pay them before the notice period ends, otherwise the cancellation has no effect (KVV Art. 105l).
- For children the calculator uses the child premium without a sibling discount. Some insurers give a discount from the second or third child.
Guidance only, not legal advice. The KVG, your premium notice and your insurer are authoritative.
Frequently asked questions
When is the deadline to cancel my health insurance?
To switch on 1 January 2027, your insurer must receive your cancellation by 30 November 2026. What counts is receipt, not the postmark. The FOPH recommends sending it by registered mail or A-Post Plus by 15 November 2026.
Can I switch even if my premium does not go up?
Yes. You can switch basic insurance every year for the end of the year, in every model and with every deductible, even if your premium stays the same or goes down (KVG Art. 7 para. 2, FOPH).
Can I also switch at the end of June?
Only in the standard model with the ordinary deductible (adults and young adults CHF 300, children CHF 0) and without bonus insurance. Your cover then ends on 30 June 2027 if your insurer receives your cancellation by 31 March 2027 (KVG Art. 7 para. 1). With a higher deductible, bonus insurance or in a family doctor, HMO or telemedicine model you can only switch at the end of the year.
Can the new insurer turn me down?
No. In basic insurance every insurer must accept anyone in its area of operation, regardless of age and health (KVG Art. 4 para. 2). If you have overdue premiums for which you received a reminder, pay them before the notice period ends, otherwise the cancellation has no effect (KVG Art. 64a para. 6, KVV Art. 105l).
What does the tool cost, and who sees my details?
It is free and needs no account. Ubivo takes no commissions and passes nothing on to insurers. For the comparison only the calculator inputs are sent to Ubivo, without name or address, and they are not stored. Your browser creates the cancellation letter.
What else does your address cost you? Taxes, electricity, commuting in the free report.
Premiums for every canton and premium region
Renting? Check whether a reduction is possible.
Data and sources
- 2027 premiums according to the FOPH: the approved premiums of all insurers from the FOPH open data portal, retrieved on 3 October 2026. Models that an insurer only offers in certain municipalities are only shown there.
- Models follow the FOPH classification from 2027: standard, health practice (family doctor and HMO), telemedicine and digital models, other models (combined and pharmacy models). Since 2027 the FOPH no longer separates family doctor and HMO. For each insurer the calculator shows the cheapest tariff, further tariffs below.
- Insurer names and addresses from the FOPH list of approved health insurers, as of 1 October 2026.
- Postcodes from the official swisstopo directory of localities, premium regions according to the FOPH.
- Deadlines under the KVG (version of 1 July 2026) and the KVV (version of 1 August 2026), fedlex.admin.ch. Sending recommendation and “deadline also with an unchanged premium” from the FOPH answers to frequently asked questions on premiums and costs.
- Sorting is by premium only. Ubivo does not rate insurers, takes no commissions and has no contracts with insurers.
FOPH open dataFOPH list of insurersFOPH: frequently asked questionsKVG (Health Insurance Act)KVV (Ordinance)