What is the deadline to cancel my basic insurance?

Your cancellation letter must be received by your insurer no later than 30 November for a change as of 1 January. Plan the registered mailing in advance to be sure of the deadline.

Can a new insurer refuse me for basic insurance?

No. All insurers are required to accept every resident for basic insurance, regardless of age or state of health.

How do I cancel a supplementary insurance (LCA)?

First check the notice period and minimum term in your general terms. The expiry is often on 31 December with 3 months' notice. Unlike basic insurance, the insurer can refuse a new supplementary policy.

Switzerland · free · explained simply

Cancelling your health insurance, explained step by step

A friendly help centre to understand your rights, find the right letter template and send it on time — without jargon.

Supported by a FINMA-licensed partner broker (F01104644).

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LAMal cancellation deadline

—days—hrs—min

Cancellation received by 30 November, effective 1 January.

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Where to start?

Basic insurance (LAMal)

Mandatory for everyone. Cancellation as of 31 December, letter to be sent before 30 November.

Supplementary (LCA)

Optional. Often cancellable as of 31 December with 3 months' notice — or after 3 years.

A specific situation?

Premium increase, moving house, leaving the country, double insurance, death…

How it works

We understand your case

A few simple questions — or the decision tree — pinpoint your right to cancel.

We write the letter

The assistant generates a compliant, dated letter ready for registered post.

We support you

A FINMA-licensed adviser can call you back to compare and avoid the pitfalls.

2027 premiums

2027 premiums: get ahead now

The 2027 premiums are not yet known: the FOPH announcement is expected in autumn 2026. To switch insurer from 1 January 2027, your cancellation must be received before 30 November 2026.

No 2027 amount has been published yet. The premiums shown on the site are those in force in 2026.

Prepare my cancellation Can I cancel?