The health insurance office (SAM) has assigned you a fund you didn't choose, often at a higher rate and with backdated premiums. We take over your file, get you out of the assigned fund as soon as possible and handle your formalities with the SAM.
Basic insurance benefits are identical across all insurers, but premiums, models and service vary widely. An affiliation decided by the canton deprives you of that choice.
The canton picks the insurer for you, with no comparison and no choice of the model (family doctor, HMO, telemedicine) best suited to your needs.
For identical basic cover, the premium can be significantly higher than an insurer chosen after comparison.
Premiums go back to the start of the obligation. A surcharge may apply when the delay is not deemed excusable.
Common among cross-border workers: insurance already chosen (LAMal or CMU) but the SAM not informed in time, resulting in two affiliations and premiums charged twice.
Three steps, handled end to end, without you having to run around from counter to counter.
We check your situation, the start date of the obligation and, where relevant, your existing insurance.
We compare insurers, identify the best rate and prepare the switch for the first possible deadline.
We build the file, challenge any unjustified surcharge and handle cancellation in the event of double affiliation.
An advisor reviews your affiliation, identifies the best rate and handles your formalities, with no obligation.
Reply within 24 working hours, no obligation.
Yes, on specific dates. For basic insurance, a change is in principle possible on 1 January, and in certain cases on 30 June. We prepare the switch for the first possible deadline to move you to the best rate.
Cover and premiums go back to the start of the obligation. If the delay is not deemed excusable, a premium surcharge may apply. Each situation is assessed case by case: we review yours before any step.
The LAMal or CMU choice must be recorded by the SAM within 3 months of the first working day. Without timely submission, the canton assigns you to LAMal by default. Cancellation is possible by providing a proof-of-cover certificate, which we prepare with you.
Our advice is free for you. As an independent intermediary authorised by FINMA (F01305043), we are paid by the insurers, at no extra cost on your premium. The first callback is with no obligation.
An advisor calls you back within 24h to take over your file, with no obligation.
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