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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: +41 58 800 99 33

 

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.

Enjoy attractive combination benefits

Combine supplementary insurance with the SANTE basic insurance model and benefit from lower co-payments and discounted hospitalisation insurance premiums. This SANTE discount or a group discount can also be combined with a BENEVITA discount for further savings.

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: +41 58 800 99 33

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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.

The cancellation deadline for a switch on 1 January is the end of November. 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 postmark date is not decisive for acceptance of cancellation. Notices of cancellation are valid only if received by SWICA by post, email or within mySWICA by 17:00 on the last working day before the cancellation deadline. Notices of cancellation are valid only if all premiums, co-payments, interest on arrears and debt collection costs relating to the basic insurance have been settled in full.
Request advice

You can reduce (switch to a lower level of benefits) or cancel your supplementary insurance at the end of each year. The notice periods are as follows:

  • If the premium remains unchanged: Notice of cancellation to be received by SWICA no later than 17:00 on the last working day of September
  • If the premium has changed: Notice of cancellation to be received by SWICA no later than 17:00 on the last working day of December

Notice of cancellation must be sent in writing by post, email or within mySWICA.