Frequently asked questions Frequently asked questions about SWICA

How can I increase or reduce my annual franchise?

Answer:

You can always change your franchise as of the start of a calendar year. The following deadlines apply:

When reducing the franchise: 30 November
When increasing the franchise: 31 December

Please note that SWICA must have the instructions for reducing the franchise by the last working day before the specified date.

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How can I change my insurance plan?

Answer:

Basic insurance: You can adjust the plan and the franchise every year on 1 January. Please inform us in writing of the change by 30 November. If you want to change from the STANDARD plan to a SWICA FAVORIT plan or from one FAVORIT plan to another, you can do so during the year with effect from the first day of the following month. A change during the year is possible if you change your place of residence. Top-up insurance: You can reduce or terminate your insurance at the end of the year, ...
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How can I increase or reduce my insurance cover in the top-up plans?

Answer:

The cover can always be increased with effect from the start of the next month.
A reduction in insurance cover is possible with effect from the end of the year, subject to the following notice periods:

  • Three months in the case of an unchanged premium (SWICA must receive the notice by the last working day before 30 September)
  • One month in the case of an increased premium (SWICA must receive the notice by the last working day before 30 November).   
Please contact us.
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Am I entitled to a premium reduction?

Answer:

People in modest financial circumstances are entitled to a reduction in the premium. Individual premium reductions vary from canton to canton. Therefore please contact the compensation fund office of the community where you live.

The SWICA client magazine "aktuell" publishes an annual overview of the procedures for individual premium reduction in the various cantons. The list can be found here.
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How can I terminate my compulsory basic insurance? What notice periods apply?

Answer:

The deadline for submitting notice of a change effective from 1 January of the coming year is 30 November. The STANDARD basic insurance plan with a franchise of CHF 300 can also be terminated with effect from 30 June, as can the STANDARD basic insurance plan without an annual franchise, subject to receipt of notice by 31 March. You can adjust your franchise every year with effect from 1 January (see also: How can I increase or reduce my annual franchise?). If you change your place of ...
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How can I terminate my top-up insurance? What notice periods apply?

Answer:

Top-up insurance may be reduced or terminated with effect from the end of the year, subject to the following notice periods:
  • Three months in the case of an unchanged premium (SWICA must receive the notice by the last working day before 30 September)
  • One month in the case of an increased premium (SWICA must receive the notice by the last working day before 30 November).
The notice must be submitting in writing.
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How can I include or exclude accident cover in my insurance?

Answer:

Accident cover can always be included or excluded on the first day of the next month. Please contact your customer service or use the online form.
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I work part-time. Do I need accident cover in my health insurance?

Answer:

If you work for an employer for more than eight hours a week you are insured for occupational and non-occupational accidents through your employer. If you work less than eight hours a week, you can include accident cover by contacting your SWICA customer service or by using the online form.
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I am unemployed at the moment. Am I still covered for accidents?

Answer:

Yes. If you are registered with the unemployment office you are insured for occupational and non-occupational accidents through SUVA. If this is not the case, we recommend that you contact your SWICA customer service for a personal consultation.
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I will be doing military or community service very soon. Do I have to change anything in my insurance?

Answer:

No. If you serve for more than 60 consecutive days, you must send us documentation showing the number of days you served. You will be completely exempted from your basic health insurance premium for this period.
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How can I pay my insurance premiums by direct debit through my bank?

Answer:

Contact a SWICA agency near you or download the direct debit (LSV) authorization form. All you need to do is complete the form, sign it and send it to us. We will sort out the rest for you.
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I will be leaving Switzerland permanently very soon. What do I have to consider with regard to my health insurance?

Answer:

Before you can cancel the compulsory healthcare insurance, we need confirmation of your deregistration from the authority of the community where you live. Come and see us at the SWICA branch near you or give us a call. We will be happy to take this opportunity to show you insurance solutions that provide you with financial security and the best medical care abroad.
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Can I insure my baby before birth?

Answer:

Yes. It is definitely worth registering the expected child before the birth to ensure that he or she is fully insured from day one. Most of SWICA’s top-up insurance plans do not require a risk assessment in the case of a prenatal registration. Your consultant will be happy to send you a quotation for a prenatal registration. Just full in the online form.
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