Health Insurance Cancellation Deadline
Cancellation Deadline for Health Insurance: What Deadlines Do You Need to Observe?
If you are dissatisfied with your current health insurance and are considering a switch, it's important to make the cancellation in a timely manner. In basic insurance, the cancellation deadlines depend on your chosen deductible. With the standard deductible, it's possible to cancel at mid-year, while other deductibles allow cancellation only at the end of the calendar year. Note that different deadlines apply for the cancellation of supplemental insurances.
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Important Notice
Missing a cancellation deadline leads to an automatic contract extension. Therefore, consider switching in good time before the deadline expires.
Cancellation Deadline with Standard Deductible
The standard deductible in basic insurance is 300 CHF for adults and 0 CHF for children. If you choose this model, you can cancel your health insurance at mid-year, observing a three-month notice period.
Standard Deductible Amounts
- 300 CHF for adults
- 0 CHF for children
Three-Month Notice Period
For a cancellation on June 30, your letter must be received by your insurance company by March 31 at the latest.
The switch to a new health insurance thus becomes effective from July 1.
Cancel Health Insurance at Year's End
If you opt for a different deductible, cancellation is only possible at the end of the year. Health insurance companies set their new premiums in the fall, which are approved by the Federal Office of Public Health and published by the end of September.
Premium Setting Process
Insurers must inform about premium adjustments by October 31. The new premiums are approved by the Federal Office of Public Health and published by the end of September.
Cancellation Deadline
November 30 is the last day a cancellation is possible to exit the contract at the end of the year.
Cancellation Deadlines in Supplemental Insurance
For voluntary supplemental insurances, health insurance companies can set the conditions individually, resulting in different cancellation deadlines. Often, contracts have a one-year term and a three-month notice period, but there are also contracts with longer commitments and cancellation periods.
Contract Terms
Often, contracts have a one-year term and a three-month notice period, but there are also contracts with longer commitments and cancellation periods.
Premium Increase Rights
In case of premium increases in supplemental insurance, you have a special right to cancel until the end of the year.
Annual Contracts
Annual contracts typically end at the calendar year's end, where your cancellation letter must be submitted by September 30 to be effective at the year's end.
Important Warning
Missing a cancellation deadline leads to an automatic contract extension. Therefore, consider switching in good time before the deadline expires.