Merger of
health insurers

Yes, nothing will change for you. The Le Châble and Orsières agencies will remain open, and you can continue to visit them for your usual requests. Our advisers will continue to be available to assist you.

Yes. Your new insurer also offers your current insurance model. Your insurance will therefore be taken over under the same conditions (deductible amount, illness-accident risk, or illness risk only).

No, your supplemental insurance for health and/or patrimony will not be affected by the merger. However, its management will be taken over by your new insurer, and you will find it included in your 2027 insurance policy.

• The aim of this merger is to ensure that your basic insurance premiums do not increase excessively in 2027, given the negative trend in health costs experienced by your current insurer in recent years.
• Without this merger, AMB and CMVEO would have had to increase their premiums significantly next year to improve their financial situation and ensure that their policyholders’ medical care was covered.
• Supplemental insurance premiums will not be affected by the merger.

The merger will have no impact on the coverage of your medical care. Your current coverage will be taken over without any change to the terms and conditions of insurance.

Yes, your insurance card issued by AMB/CMVEO will be cancelled and replaced by a card issued by your new insurer. It will be sent to you in December 2026. If you require medical treatment before receiving the new card, please show your new 2027 insurance certificate to your doctor or pharmacy.

If you have access to our Customer Area, you will also find your new card there in digital format.

No, because thanks to the use of magnetic data, the validity of your AMB / CMVEO insurance card has been electronically extended until 31 December 2026. You will therefore receive the card from your new insurer sometime in December 2026.

This measure is both environmentally friendly and cost-effective, as it allows us to save on the costs of producing a new card that would only be valid for a few months.

The merger has no impact on whether or not you are entitled to a subsidy. This decision depends solely on your cantonal authorities, according to their criteria and your personal situation (financial and family-related).

In any case, we recommend that you notify your canton of your change of insurer, so that it can continue to pay any subsidies to which you may be entitled.

Yes, we recommend that you notify them of your change of insurer. What's more, in the case of a chronic illness or treatment, you must inform our telemedicine partner at the beginning of each year.

Yes. Your new insurer will take over the full management of your current contract, including the status of your premium and cost-sharing account.

You may terminate your compulsory health insurance as soon as your new insurer has notified you of your new 2027 premium (by the end of October 2026 at the latest), by giving us one month’s notice. We must receive your notice of termination by post, via the Customer Area or by email by Monday 30 November 2026 at the latest.

In this case, the usual termination conditions must be met:

• we must receive an insurance certificate from your new health insurer before 31 December 2026
• you must have paid in full any premiums and cost-sharing amounts due to AMB/CMVEO

Your supplemental insurance for Health and/or Patrimony is not affected by the merger. Its termination depends on the general terms and conditions and the related special terms and conditions of insurance.

No, this merger does not give you the right to terminate your compulsory health insurance (AOS/OKP) if amounts are still owed to AMB/CMVEO on 31 December 2026 You will therefore have to remain insured with your new insurer, which will take over your premium and cost sharing status, until all amounts due have been paid.

Yes, of course. By complying with the terms and conditions of termination, you can remain insured with another Groupe Mutuel insurer. All you need to do is send us a written request (by post, by email or via your Customer Area).

No, you don't need to do anything with regard to your Customer Area. Your contract details will be updated automatically. You can continue to use the Customer Area as you do today, and you will be able to find all data and documents issued to this day in your account.

If you have an LCA/VVG supplemental insurance policy with Groupe Mutuel and an AOS/OKP compulsory insurance policy with CMVEO, as well as a Customer Area account with both entities, our Contracts Department will contact you individually by October 2026.

Depending on the payment method you use (standing order, e-bill, e-banking, etc.), you will need to modify the settings of your payment orders yourself. For LSV direct debits, a new form must be completed.

If in doubt, please contact your bank or payment institution.

From 1 January 2027, you will have to send all your mail to the address of your new insurer's head office: Rue des Cèdres 5, 1919 Martigny.

You can also contact us by email, or via our website, under Contact.

Yes, since AMB/CMVEO is ceasing its activities, your LAMal/KVG daily allowance coverage will be taken over by your new insurer.

No, because this is a case of merger by absorption with the transfer of all rights and obligations to the new insurer. Therefore, the termination notice periods set out in our framework agreement apply.

No, there will be no impact on invoices sent directly to your employees. Only the insurer mentioned on our invoices will change.

No, there will be no impact on invoices and the payment of your employees’ premiums. Only the insurer mentioned on our invoices will change.

Yes. Your new insurer will take over the full management of your current contract, including the status of your premium and cost-sharing invoices.

No, you will keep the same contract number.

This merger will have no impact on our organisation or administrative processes. Your usual contact persons will remain available to assist you.

No action is expected from your employees. Their insurance coverage will continue to be managed as before.

Yes, as insured persons, your employees received information on the key points of the merger, along with their new 2027 insurance certificates.