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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.
The right recipient: your insurer, not a third party
The cancellation letter goes to your current insurer, that is the fund you are insured with. You do not have to write to a cantonal office or a federal body: the contractual relationship is between you and the fund. It records the cancellation and confirms the end of the contract.
The exact address of the relevant department normally appears on your insurance policy, your premium statements or in the general conditions. Always use the department or head office shown in those documents: that is where your letter will be processed fastest.
Basic and supplementary cover: one or two recipients?
If your basic insurance (LAMal) and your supplementary cover (LCA) are with the same fund, a letter clearly naming both contracts may suffice. But the two lines sometimes belong to separate departments, or even to different legal entities within the same group. In that case, address a letter to each department.
Mind the differing deadlines too: basic cover is cancelled for 1 January (letter received by 30 November, one-month notice), whereas supplementary cover generally follows a three-month notice period (cancellation by 30 September), sometimes with a minimum term. Check each contract separately.
Securing the address and proof of sending
Beyond the recipient, how you send it matters. For basic insurance, registered mail is strongly advised: it gives you proof of posting and of receipt, essential if the fund disputes the date of arrival. Keep the receipt.
Clearly state the policy number, the line concerned and the desired effective date in the letter. A complete letter, sent to the right department, reduces back-and-forth and rules out the risk of a cancellation being treated as late.
★ Good to know
The exact address of the cancellation department appears on your policy, your invoices or the general conditions. If in doubt, a registered letter to the insurer's head office remains the safest option.
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Questions fréquentes
Where do I find my fund's cancellation address?
Can I address my cancellation to a cantonal office?
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