Frequently asked questions

Yes — basic insurance (OKP under the KVG) is compulsory for everyone resident in Switzerland. The benefits are identical by law at every insurer; the differences lie in premium, model and service. Every insurer must accept every person without a health assessment.

The OKP premium depends on your place of residence (canton or premium region), age (child 0–18, young adult 19–25, adult from 26), deductible (franchise), insurance model and accident cover. Since the benefits are identical everywhere, for basic insurance the cheapest insurer in the right model is almost always the rational choice — the differences are mainly in service and premium stability. Comparing is therefore almost always worthwhile.

The OKP covers, among other things, medical treatment, hospital stays in the general ward (listed hospital, generally in your canton of residence or at the reference tariff), medications on the official list, maternity benefits, emergencies, and contributions towards certain preventive services. Not covered are, for example, dental treatment (except after an accident or in the case of serious illness), glasses for adults, and free choice of hospital ward — supplementary insurance exists for these.

The deductible (franchise) is the amount you pay yourself each year before the insurer starts paying: CHF 300 to 2,500 for adults, CHF 0 to 600 for children. After that you pay a 10% co-payment, capped at CHF 700 per year for adults and CHF 350 for children. Rule of thumb: if you rarely see a doctor, a high deductible is often cheaper; if you have regular costs, a low deductible is.

Besides the standard model with free choice of doctor, there are savings models: the family doctor model (always see your chosen family doctor first), HMO (a group practice as the first point of contact) and Telmed (telephone or digital consultation first). Savings models give a discount on the premium but oblige you to follow the treatment pathway — otherwise benefits may be reduced. Emergencies are exempt, as are usually gynaecology and eye doctor visits, depending on the insurer's terms.

Anyone employed at least 8 hours per week is insured against accidents through their employer (UVG) and can exclude accident cover from their basic insurance — this lowers the premium. Self-employed and non-working persons need accident cover in the OKP.

Unlike basic insurance, supplementary insurance (under the VVG) is voluntary and governed by private law: the insurer may ask health questions, impose exclusions or reject applications. Typical areas are outpatient supplements (e.g. glasses, fitness, cover abroad), hospital supplements (general, semi-private, private), dental and complementary medicine.

Yes — for supplementary insurance the insurer decides on acceptance based on a health declaration. Answer the questions truthfully, as false statements can jeopardise the contract. Golden rule: only cancel your existing supplementary insurance once you have the new insurer's written confirmation of acceptance.

Hospital supplements expand your freedom of choice in hospital: "general ward, all of Switzerland" (free choice of hospital), semi-private (two-bed room, senior physician) and private (single room, chief physician). Flex models let you choose the ward only when hospitalisation actually occurs, for a surcharge per stay. There are often optional cost-sharing arrangements that lower the premium.

Basic insurance pays for dental treatment only after an accident or for serious, unavoidable diseases of the masticatory system — routine check-ups, fillings and braces are not covered. Dental supplementary insurance exists for this, usually with a percentage contribution up to an annual maximum. Important: a health check with dental status or a dentist's certificate often applies, sometimes with waiting periods — for children, ideally take out cover before any orthodontic need arises.

The OKP pays only for certain complementary medicine methods when performed by an appropriately qualified physician (including acupuncture, anthroposophic medicine, homeopathy, phytotherapy and TCM). Treatment by non-physician therapists such as naturopaths or osteopaths is only covered by supplementary insurance for complementary medicine — usually a percentage contribution with an annual limit and lists of recognised therapists (e.g. EMR registration).

Contributions towards gym memberships, visual aids for adults, sports courses or check-ups are typical benefits of outpatient supplementary insurance — not of basic insurance. The OKP reimburses visual aids only for children and adolescents up to their 18th birthday: CHF 180 per calendar year towards spectacle lenses or contact lenses (medical prescription required). Outpatient supplements typically pay CHF 100–300 per year towards glasses or contact lenses, depending on the product.

Basic insurance can be switched as of 1 January: the cancellation must reach your current insurer by the end of November (recommended: by registered mail, no later than the last working day in November). If you have the ordinary deductible of CHF 300 and the standard model, you can additionally cancel as of 1 July with 3 months' notice. Your cover remains seamless when switching — the new insurer must accept you.

Yes, a premium increase gives you a special right of cancellation (Art. 7 para. 2 KVG). The cancellation takes effect at the end of the month preceding the entry into force of the new premium and must reach the insurer one month before that date — for the usual increase as of 1 January, that means by 30 November.

Safe order: first submit the new application, wait for definitive acceptance, and only then cancel the old supplementary insurance. With most insurers the old supplementary insurance ends only on 31 December, with the cancellation having to arrive by 30 September — if the new policy starts earlier, two supplementary premiums run in parallel during the transition period. The ideal start date for the new supplementary insurance is therefore 1 January; ideally submit your application by mid-August so there is time for the confirmation of acceptance, the 14-day right of withdrawal, and sending the cancellation before 30 September. easyall generates the cancellation letter automatically together with your application.

Many supplementary policies have multi-year minimum terms (often 3 years, sometimes 1 year) and notice periods of usually 3 months to the end of the term; the GTC (AVB) of the specific product are always decisive. The legal framework is the revised VVG (Art. 35a): every supplementary health insurance policy can be cancelled at the latest at the end of the 3rd year and annually thereafter (3 months' notice, in text form). Caution with innova: under Art. 11.4 of its GTC, cancelling the hospital cover also terminates the plus and impensa products — innova supplementary policies cannot be cancelled independently of one another. easyall shows the details for your product in the product view, as does the insurer's contract document.

Yes, the deductible and model can be adjusted with your current insurer as of 1 January each year. A lower deductible or a switch to a less restrictive model must be reported to the insurer by the end of November; a higher deductible or a savings model is accepted by most insurers until the end of December. No change of insurer is needed for this.

The FOPH (BAG) publishes the following year's premiums at the end of September or beginning of October — easyall then updates its data immediately. easyall comparisons always use the current official premiums approved by the FOPH. The switching season then runs until the end of November (cancellation must arrive at your old insurer by then).

easyall is a Swiss online platform (easyall GmbH, Solothurn) for comparing and directly taking out health insurance. easyall operates as an untied intermediary (FINMA registration in progress) and is financed through brokerage commissions from the insurers — for you, the comparison is free of charge and non-binding. There is no subscription and there are no hidden fees; the cashback is your share of the commission.

When you successfully take out a supplementary insurance policy via easyall, you receive as cashback 40% of the commission easyall actually receives from the insurer (after deduction of the industry-standard cancellation reserve). The exact amount in CHF is shown to you in the calculator before you apply. The entitlement arises once the insurer has confirmed the conclusion and any withdrawal period has expired. There is no cashback on basic insurance.

In your account, under "Cashback" you can see your balance and the status of each credit (under review, released, paid out). The cashback entitlement arises as soon as the insurer has confirmed the conclusion. Payout is made to your bank account (IBAN) or via TWINT; you enter your payment details in your profile under "Payment".

Yes — registered users receive a personal referral link, which you can find in your account under "Referrals". If an invited person takes out insurance via easyall, you receive a reward of 10% of their cashback. You can see the status of your referrals on the same page.

In the calculator, you enter your postcode and your details and compare premiums; you then select products and complete the application online — with personal details, your current insurance, the health questions for supplementary insurance, and the digital signature directly in the browser. As documents, you need a copy of an ID (identity card/passport) for each insured person and the current policy of your existing insurance. easyall checks the application, forwards it to the insurer, and automatically generates the cancellation letter for your existing insurance. You can see the status at any time in your account under "My Applications".

For basic insurance, acceptance is guaranteed; for supplementary insurance the insurer decides after the health assessment — depending on the insurer this takes a few days to a few weeks. Applications can be withdrawn until they are accepted by the insurer; in addition, the statutory rights of withdrawal apply (VVG: 14 days). If there are queries, easyall will contact you via the messaging function in your account.

No, the premium comparison also works without an account. An easyall account is free and is created automatically with your first application — or in advance via "Register". In your account you manage your applications and their status, your cashback balance and payout (bank/TWINT), your referral link, and messages to the easyall team.

You can reach easyall via the contact form at easyall.ch/kontakt or by e-mail to info@easyall.ch. Logged-in users can also write to the easyall team directly in their account via the messaging function.

The website is available in German, English, French, Italian and Turkish; you can change the language at the top right. If you have forgotten your password, select "Forgot password" on the login page — you will receive a reset link by e-mail. You manage your personal details, password and payment details in your account under "Profile".

easyall handles personal data in accordance with Swiss data protection law (revised FADP/nDSG). Health information is collected only during the application process with your express consent and is stored in encrypted form. You can find details at easyall.ch/datenschutz.

The easyall assistant does not give medical, legal or tax advice and does not make diagnoses. For health questions, consult a doctor; in an emergency, call 144. Please do not share health data in the chat — it belongs in the protected application form.

No — the assistant does not make decisions for you. Acceptance of a supplementary insurance policy is always decided by the insurer after the health assessment; for basic insurance, acceptance is guaranteed. You answer the health questions yourself in the protected application form, you provide the digital signature personally directly in the browser (children do not sign), and you enter your payment details yourself in your profile.

Children pay significantly lower OKP premiums; from the third child onwards, many insurers grant additional discounts. Newborns are subject to compulsory insurance from birth (registration within 3 months); ideally take out supplementary insurance for children before the birth — the health assessment is then waived. In the easyall calculator you can enter several people in one comparison and submit them in one application, including different deductibles, models and supplementary insurance per person.

The OKP covers check-ups, childbirth and postnatal care; in addition, from the 13th week of pregnancy until 8 weeks after the birth, no cost-sharing applies (no deductible, no co-payment) on any benefits. Tip: register hospital or outpatient supplements for your child before the birth — acceptance then takes place without a health assessment. For expectant mothers themselves, supplementary insurance often carries restrictions during an ongoing pregnancy — take out cover early.

You must take out insurance with a health insurer within 3 months of entering the country or taking up residence; the insurance and the premium obligation apply retroactively from the date of entry. Without timely registration, the canton can assign you to an insurer. Supplementary insurance depends on age and state of health — applying early pays off.

In EU/EFTA countries, the OKP covers emergency treatment at the local social insurance tariffs (European Health Insurance Card EHIC on the back of your insurance card). Outside Europe — especially in countries with high healthcare costs such as the USA, Canada, Japan or Australia — the OKP pays at most twice the Swiss tariff, which is often not enough. For such trips, supplementary insurance with cover abroad or travel insurance is recommended; many outpatient supplements already include this.