Change of insurance carrier
I would like to take out a policy with ÖKK. What do I do?
You have the following options at your disposal to take out a policy with ÖKK:
How can I cancel my insurance policy?
Cancellation of the basic insurance
Insureds with an excess of 300 Swiss francs or 0 Swiss francs for children can cancel their mandatory health insurance policy (basic insurance) at the end of a midyear or at the end of a year (30 June or 31 December). Insureds with a variable deductible or a general practitioner model can cancel their policy at the end of a calendar year only (31 December). The cancellation period is 3 months in either case.
Expiration of the policy is regulated by the legal requirements (KVG/VVG). Cancellations are only valid if submitted at due date and in writing.
If a new premium is determined, the basic insurance can be cancelled at the latest one month before the inception of the new premium.
Cancellation of the supplementary insurance
The supplementary insurance can be cancelled as of 31 December. All coverages must be listed separately. The cancellation must be in writing and be sent by registered post. The cancellation period is 3 months.
What is a health declaration?
When taking out new or higher supplementary insurance coverage according to the Swiss insurance contract act (VVG), a risk evaluation of the medical risk will be made. This examination will be made by means of the information given in the health declaration, which is an integral part of the insurance contract. If the applicant is in bad health, supplementary coverage may be denied. In case of a pre-existing illness or condition, a respective exclusion or restriction may apply for this illness or condition in the requested insurance coverage.