LiveChat advice

We would be happy to advise you in person. 

Monday to Friday: 18.30 – 21.30

Saturday: 8.00 – 17.30

EN-Leider steht der Chat gerade nicht zur Verfügung Callback & contact

There for you – 24 hours a day

Customer service 24/7

sante24 health advice helpline

Location in your vicinity

SWICA Head Office Winterthur

Premium calculator

Frequently asked questions about SWICA

How can I increase or reduce my annual franchise?

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.

Change franchise

How can I change my insurance plan?

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, 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 31 December).

An increase or extension of insurance cover is always possible with effect from the start of the following month.

Request consultation

How can I increase or reduce my insurance cover in the top-up plans?

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).   
Request consultation

Am I entitled to a premium reduction?

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.

How can I terminate my compulsory basic insurance? What notice periods apply?

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 residence, a change in the basic insurance plan is possible during the year with effect from the first day of the next month. This applies equally if you change to a FAVORIT plan of SWICA or change from one FAVORIT plan to another.

Please submit your notice of termination by the specified date, together with confirmation of acceptance by your new health insurer. Please note that it is not the stamp date that determines whether your termination is accepted. Notice of termination is only valid if received by SWICA on the last working day before the deadline.
Termination is possible on the condition that no premiums, cost sharing, interest on arrears or debt collection fees for the basic insurance are outstanding.

Request consultation

How can I terminate my top-up insurance? What notice periods apply?

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 31 December).
The notice must be submitting in writing.

How can I include or exclude accident cover in my insurance?

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.

I work part-time. Do I need accident cover in my health insurance?

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.

I am unemployed at the moment. Am I still covered for accidents?

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.

I will be doing military or community service very soon. Do I have to change anything in my insurance?

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.

How can I pay my insurance premiums by direct debit through my bank?

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.

I will be leaving Switzerland permanently very soon. What do I have to consider with regard to my health insurance?

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.

Request consultation

 

Can I insure my baby before birth?

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.

The remaining excess in the benefit statement applies only to basic insurance. Does this mean that co-payments from supplementary insurance are now no longer included?

SWICA and PROVITA are the only health insurers which apply co-payments from their basic plans to SWICA supplementary plans, which means the maximum annual cost to policyholders is substantially lower than it would be with other health insurers. The remaining excess shown for basic insurance already includes the deductibles that were paid for COMPLETA TOP and/or HOSPITA supplementary insurance. This continues to be one of the unique SWICA customer advantages.