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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.
Two contracts, two regimes, two deadlines
Basic insurance (KVG/LAMal) and supplementary cover (LCA/VVG) are two legally separate contracts, even with a single insurer. They obey different rules: the basic cover is cancelled for 1 January with a letter received by 30 November, while the supplementary cover requires 3 months' notice — often a letter to be sent before 30 September for an end on 31 December.
Wanting to cancel everything in a single letter creates a risk of confusion: the insurer may process one and forget the other, or apply the wrong deadline. The safe method is to prepare two separate letters, each targeting its own contract.
The order and calendar to respect
As the supplementary cover has the shorter deadline (30 September), start with it if you want to leave both for year-end. First check your supplementary general conditions (CGA/AVB) to confirm the expiry and the absence of a running minimum term. Then send the basic cover cancellation, to be received by 30 November for an effect on 1 January.
For the basic cover, remember to be affiliated with a new fund for 1 January: compulsory insurance tolerates no gap. A cancellation also remains blocked as long as premiums or cost-sharing are unpaid, on either contract.
Two clear and traceable letters
Each letter must name the contract concerned (basic KVG/LAMal on one side, supplementary product on the other), with the policy number, the effective date and your signature. Send both by registered mail to have proof of receipt, and keep a copy of each. Date them with the actual day of sending.
You can generate each letter separately here, one for the basic cover, the other for the supplementary one, then review, print and sign them. If you wish to cancel only one of the two contracts, use only the corresponding letter.
★ Good to know
A single 'I cancel everything' letter is risky: the deadlines differ (30 September for the supplementary cover, 30 November for the basic one). Prepare one letter per contract.
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Questions fréquentes
Can I cancel basic and supplementary cover in a single letter?
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