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Optimise your premiums instead of cancelling your insurance

Before switching your insurance, it's worth checking whether there are alternatives for your basic and supplementary insurance cover. Did you know that you can optimise your existing insurance with SWICA to save on your premiums? We can provide you with personal advice to suit your individual requirements.

Free 24/7 hotline: 0800 80 90 80

 

Your optimisation options

Save on basic insurance

You can benefit from attractive premium discounts by choosing an alternative basic insurance model. By increasing the excess you can cut your premiums even further. SWICA also offers family discounts for children and young people.

Save on hospitalisation insurance

Reduce your premium by increasing your co-payments or enjoy additional discounts of 15% to 68%* by choosing a HOSPITA-FLEX or HOSPITA hospital list model.

Combine your advantages

If you buy both basic and supplementary insurance from SWICA, you automatically benefit from reduced co-payments. By combining your cover with the SANTE basic insurance model you can also reduce your hospitalisation premium by 15%.

Premiums based on your age when you joined

The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.

Group discounts and sports contributions

Thanks to partnerships with numerous businesses and associations, their employees and members enjoy group discounts on supplementary insurance plans and annual sports contributions of up to 900 francs* (e.g. for tennis, rock-climbing, cross-country skiing, dancing or golf).

Are you satisfied with our service?

Making sure our customers are satisfied is important to SWICA. Get in touch with Customer Services over the phone or via our online form to help us improve our service. SWICA employees are happy to advise you at any time, including weekends. Free 24/7 hotline: 0800 80 90 80

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Frequently asked questions about cancelling

Would you still like to cancel your SWICA insurance? Below you'll find answers to the most frequently asked questions.

30 November is the termination date for switching insurance provider with effect from 1 January of the following year. For this, please send us a written notice of termination and confirmation of acceptance from your new health insurer by the specified termination date.

Please note that the stamp date is not decisive for acceptance of termination, which is valid only if it reaches SWICA on the last working day before the termination date. Please note that you can terminate your cover only if all premiums, co-payments, default interest or debt collection fees in basic insurance have been paid.

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You can reduce or terminate your supplementary insurance at year-end. The notice periods are as follows:
  • Three months if the premium is unchanged (reach SWICA on the last working day before 30 September)
  • One month if the premium is increased (notice must reach SWICA on the last working day before 31 December)

Please note that you must give notice in writing.