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Cancellation letter templates and practical guides
All our practical pages to cancel your Swiss health insurance: letter templates, legal deadlines, premium increases, moving abroad and special cases — for both basic insurance (LAMal) and supplementary insurance (LCA).
Basic insurance (LAMal)
Health insurance cancellation letter template in PDF / Word to print
A cancellation letter fits on one page. Here is what it must contain, how to get it in a printable format, and how to send it so the date of receipt is respected.
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Free health insurance cancellation letter template, to fill in
Cancelling costs nothing: a simple letter is enough. Here is a free template, the fields to complete, and the pitfalls to avoid so it is accepted.
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Cancel only the basic insurance and keep the supplementary cover
Changing fund for compulsory insurance without touching your supplementary cover is possible. Here is how to cancel only the basic cover (KVG/LAMal) and keep your LCA/VVG.
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Cancelling the health fund by 30 November: deadline and letter
To change fund on 1 January, your cancellation must be received by 30 November. Here is how to meet this deadline, with a letter template to send on time.
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Cancelling health insurance by 30 June (letter received by 31 March)
With the ordinary deductible and free choice of doctor, you can also cancel basic insurance for 30 June. Here are the exact conditions and a letter template.
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Cancelling basic AND supplementary cover: two letters, two deadlines
Leaving both basic insurance and the supplementary cover at once requires two separate letters, because the deadlines are not the same. Here is how to organise the two cancellations.
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Health insurance cancellation letter template in Word (DOCX) to fill in
Prefer to type your details on screen before printing? An editable Word template takes just a few minutes to complete. Here is what it must contain, how to fill it in without forgetting anything, and how to send it on time.
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Who should I address my health insurance cancellation letter to?
A cancellation sent to the wrong recipient may be treated as not received — and your contract renewed. Here is how to identify the right department and secure the address, for basic insurance and supplementary cover alike.
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Do you have to give a reason to cancel basic insurance (LAMal)?
Many insured people believe they must justify their departure. For basic insurance, that is not the case: ordinary cancellation is a right, with no reason to give. Here is what the law actually requires — and what can still block an exit.
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Is my cancellation accepted even if the new premium is more expensive?
The price of your future insurance has no bearing on your right to leave. Whether the new premium is lower or higher, the cancellation of basic insurance remains valid if it respects the form and the deadline. Here is why.
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Cancelling your health insurance by email: is it valid?
Sending your cancellation by email is tempting: fast and free. But for basic insurance, where the date of receipt is decisive, email carries a proof risk. Here is when it can be enough and how to secure your approach all the same.
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Supplementary insurance (LCA)
Cancel only the supplementary insurance and keep basic insurance
Basic and supplementary insurance are two separate contracts, even with a single insurer. Here is how to cancel only the supplementary insurance (LCA/VVG) while keeping your basic insurance (KVG/LAMal).
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Cancellation letter for a hospital insurance (supplementary LCA/VVG)
Hospital insurance (semi-private or private room) is a supplementary LCA/VVG cover. Here is how to cancel it properly, with the right deadline and a template to sign.
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Cancellation letter for a dental insurance (supplementary LCA/VVG)
Dental insurance is an optional supplementary cover (LCA/VVG). Here is how to cancel it correctly, with the notice period and a ready-to-sign template.
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Cancellation letter template for a supplementary cover by 30 September
Supplementary cover (LCA/VVG) generally requires 3 months' notice: for an end on 31 December, the letter must go out before 30 September. Here is how, with a template to sign.
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How do you cancel supplementary insurance with a minimum term?
Some supplementary policies (LCA) include a minimum term, sometimes spanning several years. That does not mean you can never cancel: you need to know the expiry date, the notice period and the cases that allow an early exit. An overview of your rights.
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