What are the household deadlines in Switzerland? The calendar from November 2026 to December 2027
To switch health insurer on 1 January 2027, your cancellation of basic health insurance must reach the insurer by 30 November 2026 (Federal Office of Public Health, priminfo); insurers announce the 2027 premiums by 31 October. On 1 December the Federal Office for Housing publishes the reference interest rate for rents (then every three months), and 31 December is the last day to have a payment credited to pillar 3a and deduct it for the same year (Federal Social Insurance Office). The Serafe invoice arrives in the month of your billing group, and cantonal dates vary. The calendar runs from November 2026 to December 2027 and is based on official pages viewed on 14 October 2026.
Rappn compares the current promotions of 7 Swiss retailers, updated daily: free, no subscription.
Track your groceries in Rappn, freeFrom November 2026 to December 2027 a Swiss household has five kinds of fixed deadline, plus those of its canton. They are the health insurance cancellation (by 30 November, according to priminfo), the mortgage reference rate for rents (1 December 2026, then every three months), the payment into pillar 3a (tax-deductible private pension, 31 December), the motorway vignette and the Serafe invoice.
Updated October 2026. The calendar covers November 2026 to December 2027. Sources: Federal Office of Public Health (FOPH), priminfo.admin.ch (changing insurer and FAQ); Federal Office for Housing (FOH), reference interest rate; Serafe AG, invoicing, and Federal Office of Communications (OFCOM), amount; Federal Office for Customs and Border Security (FOCBS), vignette; Federal Social Insurance Office (FSIO), pillar 3a; Federal Tax Administration (FTA), deductions 2027 and direct federal tax (viewed on 14 October 2026). The pages of the FOPH, FOH and FSIO and the FTA news item are in German, French and Italian.
Which deadlines does a Swiss household have during the year?
Five kinds come back every year (health insurance, reference rate, Serafe, vignette, pillar 3a), plus those your canton sets. For health insurance the cancellation must reach the insurer by 30 November, and the date of receipt counts, not the postmark; if the last day is a Saturday, a Sunday or a public holiday, the last working day before it applies. A late cancellation takes effect at the next possible date, and debts for which you received a reminder by 30 November and that are still open on 31 December block the switch (priminfo).
This is Rappn’s spending view: your groceries by category and by month, next to your own monthly average, the counterpart to the fixed costs of the calendar.
Track your groceries in Rappn, freeFree, no subscription · iOS & Android
Your spending
The calendar, month by month
| Month | Deadline | Who | Source |
|---|---|---|---|
| October 2026 | 31 October: insurers must have announced the 2027 premiums | Insured people | FOPH, priminfo |
| November 2026 | 15 November (Sunday): recommended date to post the cancellation by registered letter and to report a change of deductible (franchise) | Anyone changing insurer or deductible | priminfo (changing insurer) |
| November 2026 | 30 November (Monday): the cancellation must have reached the insurer; a lower deductible must be notified in writing by the last working day of November | Changing insurer or moving to a lower deductible | priminfo (changing insurer, FAQ) |
| December 2026 | 1 December: the FOH publishes the reference rate (1.25% since 2 September 2025) | Tenants | FOH |
| December 2026 | Mid-December: recommended latest date to notify the insurer in writing of a higher deductible | Moving to a higher deductible | priminfo (FAQ) |
| December 2026 | 31 December: last day to have a payment credited to pillar 3a and deduct it for 2026 (at most CHF 7'258 with a second pillar, i.e. a pension fund; without one, 20% of income up to CHF 36'288) | Anyone with earned income | FSIO |
| January 2027 | 1 January: the 2027 premiums apply and the Serafe fee falls to CHF 312 a year | Insured people; private households | priminfo, Serafe AG |
| January 2027 | 31 January: the 2026 vignette expires; the 2027 one is valid from 1 December 2026 to 31 January 2028 (CHF 40) | Anyone driving on motorways | FOCBS |
| All of 2027 | Serafe invoice in the month of your billing group (twelve groups): 60 days to pay, 30 if quarterly | Private households | Serafe AG, OFCOM |
| March, June and September 2027 | 1 March, 1 June and 1 September: reference rate | Tenants | FOH |
| March 2027 | 31 March: the cancellation must have reached the insurer to switch on 1 July | Only with the ordinary deductible (adults: CHF 300), free choice of care provider and no bonus insurance | priminfo (FAQ) |
| October and November 2027 | As in 2026: 2028 premiums by 31 October, cancellation received by 30 November | Insured people | priminfo |
| December 2027 | 1 December: reference rate. 31 December: last day for pillar 3a 2027 (at most CHF 7'373 with a second pillar and CHF 36'864 without one) | Tenants; anyone with earned income | FOH, FSIO, FTA |
For the deductible the two priminfo pages (14 October 2026) give different dates: the details are in the guide to the health insurance deductible. Where no 2027 date is published yet, the calendar applies the rule in force in 2026.
Deadlines that depend on your canton
Some dates are set by your canton or your municipality and differ from place to place.
- Taxes: the cantons assess and collect the direct federal tax (FTA); for the tax return date, the tax bills and payment in instalments, contact the tax administration of your canton.
- Health insurance premium reduction: the cantons decide who is entitled and how to apply; priminfo lists the office of each canton.
How to avoid forgetting them
Your phone’s calendar is enough if you use it with a method:
- Copy the dates that concern you from the table and add those of your canton.
- Set two reminders per date: for health insurance, for example, 1 November (premiums known) and 15 November (recommended posting by registered letter).
- Note the month of your Serafe invoice and the payment deadline.
- Put amounts and dates on the same sheet as your other fixed costs; for December there is the guide to the 13th salary.
Fixed costs and groceries: the monthly sum
Start by putting the dates that concern you in your calendar and the fixed amounts on a sheet that you compare every month with your account (see the guide to reducing fixed costs). Groceries, by contrast, have no deadline: they change every week. For those you can use Rappn, a free Swiss app (iOS and Android) that compares the current promotions of seven Swiss retailers and turns receipts into a spending overview: the app sorts your purchases into categories, shows your spending by month next to your own monthly average and alerts you when a product you follow goes on offer. Rappn does not cover rent, insurance or taxes, and does not remind you of deadlines. Rappn is building an AI assistant for groceries: you can join the waitlist.
Updated: .
Why Rappn?
Rappn is an independent grocery price comparison app in Switzerland, with no commercial agreements with any retailer. Our comparisons are truly independent.
- 100% free: no subscription, no hidden costs
- Neutral: no commercial agreements with Migros, Coop, Aldi, Lidl, Denner, Aligro, or Otto’s
- Updated daily, as soon as the chains publish their deals
- The chains’ deals in one place: search, filter, compare, no subscription
- Meal planner in the Kitchen tab: plan the week, send the ingredients to your list
Ready to save on groceries?
Install Rappn and compare for yourself this week. No account required.Scan the code, install Rappn and compare current offers. No account needed.
Frequently Asked Questions
By when do I cancel my health insurance?
For basic insurance the notice must reach your insurer by 30 November to switch on 1 January; the date of receipt counts, not the postmark. The Federal Office of Public Health recommends sending it by registered letter by 15 November. Insurers must announce next year’s premiums by 31 October (priminfo.admin.ch, October 2026).
When does the Serafe invoice arrive?
It depends on your billing group: each household was assigned at random to one of twelve groups, the first receives the annual invoice in January, the second in February, and so on. It is due within 60 days, a quarterly invoice within 30; the fee is CHF 335 in 2026 and CHF 312 from 1 January 2027 (Serafe AG, OFCOM, October 2026).
By when do I pay into pillar 3a?
The payment must be credited to your pillar 3a account by 31 December of the current year at the latest for the deduction to count for that same year (FSIO). Anyone with earned income can pay in at most CHF 7'258 for 2026 with a second pillar, or 20% of income up to CHF 36'288 without one; for 2027 the maximums, published by the FTA on 5 October 2026, are CHF 7'373 and CHF 36'864 (FSIO, FTA, October 2026).
When does the reference interest rate change?
It can change at each publication of the Federal Office for Housing: 1 December 2026, then 1 March, 1 June, 1 September and 1 December 2027. It has been 1.25% since 2 September 2025 and the office confirmed it on 1 September 2026 (Federal Office for Housing, October 2026).
Does Rappn remind me of deadlines?
No: health insurance, rent, Serafe, vignette and tax deadlines are not part of Rappn, which only covers groceries and alerts you when a product you follow goes on offer. Rappn is building an AI assistant for groceries: you can join the waitlist.