Basic coverage is identical everywhere
LAMal is defined by law: benefits are the same at every insurer. Only the premium price changes. Comparing never reduces your coverage — it only reduces the bill.
The key date: 30 November
To switch insurer on 1 January, your cancellation must usually reach your current fund by 30 November. After that, you stay committed for another year (except in special cases, such as a premium increase on the minimum deductible).
The levers that lower the premium
Three levers: the insurer (for equal benefits, gaps often exceed CHF 1,000/year), the deductible (CHF 300 to 2,500) and the model (family doctor, HMO, Telmed). We adjust them to your actual use.
How we do it at Tigura
We compare all the funds for your profile, calculate the real saving and, if you wish, handle the cancellation and enrolment. Free, no commitment, before 30 November.