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Switching Takes One Application
Since 2021 the new fund does everything: file a membership application — it cancels the old fund and notifies your employer.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
I just applied to the new insurer online — it notified the old one and the employer itself. No letters from me, a switch without a single day uninsured.
👩🏼💼
Lea recommends:
A rise in the supplementary contribution is your window: it grants the special termination right even before 12 months. An increase letter is the signal to compare, not to pay more.
FREQUENTLY ASKED QUESTIONS
How long am I tied to my current insurer? ▾
12 months minimum membership, then termination with two months notice. Exception — a rise in the supplementary contribution: it grants a special termination right regardless of the term.
Do I cancel the old insurer myself? ▾
No: since 2021 the application to the NEW insurer suffices, it cancels the old one for you (electronic notification procedure). No double membership, no gap.
When does the new fund start — and what do I do until then? ▾
Membership begins on the first of the month that the notice period produces; until then the old fund remains fully responsible. Your old health card keeps working, so treatment and prescriptions continue without a gap.
Can a fund reject me for age or illness? ▾
No: public funds are under Kontrahierungszwang — an open fund must accept everyone. There are no health checks.