Canceling Health Insurance

Do you feel that your health insurance is too costly or another provider offers better deals? Switching to another health insurance usually is quite straightforward. However, it's necessary to terminate your current contract with your existing health insurance. It's important to consider the cancellation deadlines to ensure a smooth transition. In the following, we clarify the applicable cancellation periods and other requirements for a successful termination.

Canceling Health Insurance: How to Cancel Your Basic Insurance

Basic insurance is mandatory in Switzerland, and every citizen should have it. An increase in premiums by the insurer often leads many policyholders to consider canceling. It's crucial to submit the cancellation in writing. For prompt processing, it's advisable to send your letter by registered mail.

Your cancellation letter should include the following information:

First name and last name
Date of birth
Your address
Your insurance ID

With our free template, you can quickly and easily create your cancellation letter online.

To terminate your contract with your health insurance, all outstanding premium payments must be settled. The cancellation only becomes effective once you submit a confirmation of your new insurance contract to the previous insurer. If you do not conclude a new mandatory health insurance on time, you will automatically remain with your previous health insurance.

What is the cancellation period for mandatory health insurance?

Swiss health insurances revise their premiums annually. Your insurance provider is obligated to inform you by the end of October at the latest whether and how the premiums will change in the following year. In case of an announced premium increase, you have the option to terminate your basic insurance by December 31st and switch to another insurer on January 1st. Your cancellation letter should be submitted to the current insurer by November 30th.

If you have a basic insurance with a standard franchise of 300 Swiss Francs, it's also possible to cancel by the end of June. Here, a three-month cancellation period applies. This means your cancellation letter must reach the insurance provider by March 31st at the latest, so the cancellation becomes effective on June 30th.

Canceling Supplementary Insurance: Deadlines and Dates

You have the option to terminate your supplementary insurances separately from the basic insurance. Typically, a three-month cancellation period until the end of the year is required, meaning your cancellation should be present by September 30th to become effective on December 31st. However, cancellation conditions may vary by insurer. For instance, some providers might require a six-month instead of a three-month period. Details can be found in your insurance contract.

If your insurance provider increases the contributions for your supplementary insurances, there's a shortened cancellation period of one month.

Before concluding a voluntary supplementary insurance, a health check may be required. There's a chance you might not be accepted into the desired supplementary insurance. Therefore, you should only cancel your current supplementary insurance once it's certain that you will be accepted into the new insurance.

Cancel Your Old Health Insurance and Find a Cheaper Provider

We guide you through the process of switching health insurances. Before making a decision, use our health insurance comparison. Then, request an offer from your desired provider. For further inquiries, we are at your disposal free of charge and without obligation.

Canceling Health Insurance