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

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.

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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).

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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.

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.

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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.

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. 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. 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. 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. 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. 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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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.