Switching health insurers: this is how easy it is
Higher supplementary contributions or worse benefits? You are not at the mercy of your statutory health insurer: a switch is uncomplicated, and the new insurer must accept you.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Clarify the question →Your chances of getting your money back
What you should do now
- 1
1. Check the tie-in
Have you been a member for 12 months, or does a special right of termination apply (supplementary-contribution increase)?
- 2
2. Choose a new insurer
Compare the supplementary contribution and benefits and pick a new insurer.
- 3
3. Register there
Register with the new insurer; it terminates the old one automatically.
- 4
4. Inform the employer
Tell your employer (or the paying office) the new health insurer.
Frequently asked questions
How quickly can I switch health insurer?
After a minimum tie-in of twelve months with a notice period of two months. If your insurer increases the supplementary contribution, you have a special right of termination and can switch even before the twelve months end. You simply register with the new insurer, which takes over the termination of the old one.
Can a health insurer reject me?
No. With the statutory health insurers, an acceptance guarantee applies: they may not reject you because of age, pre-existing conditions or the like, nor demand a risk surcharge. The benefits catalog is largely prescribed by law; differences exist above all in the supplementary contribution and in voluntary additional benefits.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.