Cancel and change health insurance in 2027: deadline 30.11

It’s time again to compare premiums of the compulsory health insurance plans to see if we’ll change insurance companies or not this year to maximize our frugal spending.

As usual, I used the best health insurance comparison tool in Switzerland on the official website of the Swiss Confederation “Priminfo” (and not Comparis or anything else that puts sponsored items in between the results, so you can quickly get screwed over).

And this year, two newcomers snuck into the top spots. So, do we switch or not?

In a nutshell: how do I change my compulsory health insurance in Switzerland?

Simply follow these four steps to conclude your new compulsory health insurance policy and terminate your current KVG/LAMal insurance:

1. Check how much you’re currently paying in health insurance premiums
2. Compare on priminfo which is the best health insurer for your personal data
3. Subscribe to the new insurer (if you can find a cheaper one)
   N.B. normally, the new insurer will ask you what your current health insurance is, so that they can send them a confirmation of affiliation, and so that your cancellation request can be accepted (see next point).
4. Send a cancellation letter (see template below) to cancel your current health insurance by registered mail
   N.B. wait until you’ve received the confirmation email from your new insurer (you usually receive an application confirmation email a few minutes after registering online with the new insurer).

Example of my new health insurance subscription with Assura

Reminder: health insurance choice of the MP family in 2026

Readers who have been following the blog for a long time know that we have been with Assura for several years now.

Then, in 2022, we switched to KPT, which had become the cheapest insurance for 2023.

And we switched again in 2024 to Visana (for us adults). And the children went to CSS.

This was the most frugal option we could find with our search criteria, namely:

• Mr MP and Mrs MP: deductible of CHF 2'500, family doctor model (to be able to choose our family doctor and not have one imposed on us)
• Children MP: deductible of CHF 0, family doctor model also

In October 2024, we shopped around again. We switched back to Assura for us adults. The children stayed with CSS, which was cheaper.

Then in October 2025, same story: I redid the whole comparison, and for once, no change in sight. Assura was still the cheapest for us parents, and CSS for the kids. So here are the monthly basic insurance premiums we pay in 2026:

• Mr MP: CHF 375.25
• Mrs MP: CHF 375.25
• Kid MP 1: CHF 116.85
• Kid MP 2: CHF 116.85
• Total health insurance in 2026: CHF 984.20/month

Using health insurance comparison tool priminfo

So I went to enter my info and that of Mrs MP and the kids on the official federal “Priminfo” website to compare health insurance premiums:

Entering my information on priminfo

Best Swiss health insurers results for Mr and Mrs MP

You can also sort the list by deductible amount

Ditto, we compare health insurance premiums for MP children

Comparison of MP children's health insurance with a CHF 0 deductible

Verdict health insurance premiums 2027 for the MP family

The results of this year’s comparison are a bit less obvious than last year’s, because two newcomers snuck into the top spots. But in the end, we’re staying put:

• ✅ Assura PharMed (for us parents): Philos SanaTel beats Assura by CHF 1.70 per month, but it’s a telemedicine model, so it doesn’t meet our criteria (we want to keep our family doctor). So we stay with the good old Assura basic insurance we’ve had for many years. PharMed gives us the free choice of our family doctor, but restricts our choice of pharmacies (we have to go through Assura’s partner pharmacies, and we have one near us, so all good).
  
  Assura (PharMed) therefore remains the most frugal insurance for Mrs MP and me in 2027, with the family doctor model.
  
  
• ✅ CSS Hausarztversicherung Profit (MP children): here, we hesitated. KPTwin.smart, KPT’s “family doctor with app” model, is CHF 1.50 per month cheaper than CSS for each child. But this model forces you to go through KPT’s Well-App and its “Symptom-Checker” before every consultation (except for emergencies and visits to the gynecologist, ophthalmologist, or dentist).
  
  And when one of our kids is sick and we’re in a rush, we want to be able to call our family doctor directly, the one who knows our kids’ whole medical history. Not an app in between. For CHF 1.50 per month, we keep that freedom. Had the difference been CHF 30 to 50 per month, we would probably have thought differently…

That’s what we’re talking about in numbers, monthly:

• Assura + CSS / MP family 2026: CHF 984.20
• Assura + CSS / MP family 2027: CHF 1'047.20
• Difference = CHF 63.00 more to pay each month!

It’s less crazy than the 25% between 2023 and 2024, but we’re still talking about a 6.4% increase for our family, which is more than the 5% average increase announced by the Federal Office of Public Health (FOPH) at the end of September 💸

But to give you a concrete example of what you can gain if you haven’t optimized yet the way the MP family has: if we had been with CSS for us adults (with its “Gesundheitspraxis” model) and stayed there, we would be paying CHF 63.60 more per month!

So, by switching from CSS to Assura for 2027, we would save CHF 763.20 per year (= 63.60 x 12).

And over 10 years, by investing this amount in the stock market via my favorite broker Interactive Brokers, that would make us CHF 11'299 more in our pocket!!! (assuming a 7% annualized return)

All this for the small effort of sending a registered letter to cancel your health insurance and filling in a small form to sign up with the new insurer for 2027!

That’s about 1 hour and 15 minutes of work, for a very nice return in the end!

Sample letter to cancel KVG/LAMal health insurance

If you also want to cancel your KVG/LAMal health insurance (valid for all health insurance companies), here is a standard insurance letter that you just have to fill in, sign, and send by registered mail to your health insurance before 30.11.2026:

Download sample cancellation letter for health insurance (in German) >

Sample cancellation letter for Swiss KVG/LAMal health insurance, in German: a short registered letter, and done!

Download sample cancellation letter for health insurance (in French) >

Sample cancellation letter for Swiss KVG/LAMal health insurance, in French

I must insist that you send this letter on time, otherwise your request to cancel your basic insurance will not be considered…

Conclusion

Honestly, it’s nice not to have to go through all those health insurance procedures for the second year in a row… But every time I compare health insurance plans, I feel nostalgic, because it reminds me of 2013 when I optimized all my health insurance contracts to become the Mustachian that I am today :)

And a little note about KPT then Visana: even though I’ve cancelled with them, I can confirm that it’s only because of the health insurance premium, because it’s always gone well, and I’ve always been very satisfied.

And I figure these app-based models like KPTwin.smart will catch up with us eventually, once the premium gap widens. Let’s talk again next year!

And you, are you cancelling your KVG/LAMal health insurance this year? If so, with whom? With the family doctor insurance model or another? And also, do you have any opinion on Assura, Visana, or CSS? And if you’re with KPT on KPTwin.smart and its Well-App, how does it actually work out with kids?

FAQ

Cancellation of supplementary insurance

You can cancel your supplementary health insurance at the end of each year, with 3 months’ notice, so by September 30 at the latest.

Until when can you change your health insurance deductible?

To lower your deductible: by November 30th, same as for changing insurer. To raise it (say to CHF 2'500): by the end of December, effective January 1st (art. 94 KVV/OAMal). In both cases your request must have reached your insurer before the date, so send it two weeks early to be safe with the post. To pick between CHF 300 and CHF 2'500, read my article Which Swiss health insurance deductible to choose?.

Is a family doctor model with an app worth it?

A family doctor model with an app like KPTwin.smart is worth it if the premium gap is tens of francs per month, not a couple of francs. With KPT, you have to go through the Well-App and its “Symptom-Checker” before every consultation; for CHF 1.50 per child per month in 2027, we’d rather keep being able to call our family doctor directly, who knows our kids’ whole history.

What is the Federal Health Insurance Act?

The Federal Health Insurance Act is the law called “KVG” in German and “LAMal” in French. It regulates the benefits of compulsory health insurance.

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