Costs considered together
Compare premiums with possible personal expenses and understand the reserve a deductible requires.
Health insurance
Your health. Protection that fits your everyday life.
You want good access to care and a premium that respects your budget. We compare the insurer, deductible and insurance model with you, so you understand the costs and how to access treatment.
What you gain from the review
Rules explained clearly
Understand your model's route to treatment and compare it with your expectations.
A carefully prepared change
Discuss basic and supplementary policies with their respective conditions and deadlines.
Andrade FinanceYour preparation for our reviewWhat could changing health insurer mean for you?
Compare your monthly gross premium with approved basic health insurance premiums for 2027. We then review which model fits your daily life.
Select your location and complete the details.
Discuss my options for changing insurerBasic insurance for one person, before subsidies. Your premium must use the same accident cover and deductible. Supplementary insurance and conditional family discounts are excluded. We review model rules and doctor choice together. BAG premiums for 2027.
How we build your solution
- 01
Understand your situation
We review existing policies, priorities and the budget for premiums and personal expenses.
- 02
Compare options
We consider suitable models, deductibles and supplementary benefits against your priorities.
- 03
Clarify the next steps
You decide knowing the conditions; we discuss applications, confirmations and dates.
Health insurance
Less uncertainty. Protection that fits your life.
What would you like to improve? We review your circumstances and explain how cost and cover fit together. Our support continues after your decision.
Understand the key benefits, decisions and pitfalls, clearly explained in your knowledge PDF.
Prepare for a clear decision
Knowledge that helps in everyday life
Health is part of everyday life. So are the costs.
A medical examination, regular medication or a hospital stay can raise questions: where can I get treatment? What does insurance pay? What do I pay myself? Basic insurance is compulsory, but the deductible and model affect your costs and your route to treatment.
Feel more prepared for your next appointment
Imagine knowing whom to contact first, how much money to keep in reserve and how to assess your monthly premium. That understanding is worth more than a low premium alone. It helps you choose a solution you can use in everyday life.
We connect the premium comparison with your life
At Andrade Finance, we discuss your priorities and the rules of suitable models. We review basic and supplementary insurance separately, explain the differences and prepare the next steps with you. Your decision can consider costs and access to care together.
What to consider before changing insurer
Separate basic and supplementary insurance
Every basic insurer covers the same benefits required by law. Differences include premiums, insurance models and administration. A lower premium is a useful starting point for a comparison; the rules for accessing treatment belong in that comparison too.
Supplementary insurance is optional and has a separate contract. Basic and supplementary cover can be held with different insurers. Before you change anything, we identify what you already have and which benefits you actually want to use.
Compare annual costs and your financial reserve
Adults can choose deductibles from CHF 300 to CHF 2,500. A higher deductible lowers the premium but increases the amount you initially pay for treatment. Consider your annual premium, expected medical expenses and the reserve you have available.
Compare a year with little treatment and a year with higher expenses. The usual co-payment is 10% after the deductible, capped at CHF 700 a year for adults. A hospital contribution may also apply. There are exceptions, including higher co-payments for certain medicines.
Choose a model you can follow in everyday life
Family doctor, HMO and telephone or digital advice models can offer lower premiums. They specify whom you should contact first. Check whether your preferred practice is included, how referrals work and which exceptions apply.
A model works for you when its rules fit your everyday life. We discuss those rules using the contract documents and include any unanswered questions in the comparison.
Protect existing supplementary benefits
Supplementary insurers may assess health information, impose exclusions or refuse an application. Review the benefits, limits, waiting periods and recognised treatment providers in the proposed contract.
Cancel existing supplementary insurance only after the new insurer has accepted your desired cover in writing and you understand its conditions. Changing basic insurance alone does not require cancellation of supplementary cover. Check the latter's cancellation dates separately.
Prepare deadlines in good time
For a basic insurance change on 1 January, the existing insurer generally must receive your cancellation by 30 November, provided it notified you of the approved new premium by 31 October. Receipt matters, rather than the postmark. Send the notice early and keep proof of delivery.
A lower deductible for the following year must be requested in writing by 30 November; a higher one by 31 December. Apply to the new basic insurer at the same time. Debts for which reminders have been issued can prevent a change, so resolve these in good time.
Reach a clear decision with Andrade Finance
Bring your policy, the new premium notice and your main priorities. Your address, household members, current model and budget are enough for an initial discussion. Detailed health information should not go into a general contact request.
Together, we organise your priorities, compare suitable options and discuss the next steps. You have a clear basis for your decision and can resolve questions before submitting an application.
Clear answers to your questions
Do I have to change both policies together?
No. They are separate contracts. However, check whether changing basic insurer affects existing package discounts.
Is the highest deductible always cheaper?
It depends on your expenses. Compare actual annual premiums, different treatment scenarios and your available reserve.
How do we take a premium subsidy into account?
The comparison shows gross premiums. Changes to your subsidy depend on your canton and personal circumstances. We review the actual net cost together.
Can I include supplementary insurance in the calculator?
The deductible comparison is a simplified guide for adults with basic insurance. Supplementary benefits are assessed separately.
Request health insurance advice
You want good access to care and a premium that respects your budget. We compare the insurer, deductible and insurance model with you, so you understand the costs and how to access treatment.