Cancelling health insurance by 30 June (letter received by 31 March)

A second exit window mid-year

In addition to the classic cancellation on 31 December, basic insurance can be cancelled for 30 June, provided the letter is received by the fund by 31 March at the latest. This option is reserved for people who have the ordinary deductible (CHF 300) and the standard model with free choice of doctor. As with 30 November, the date of receipt is decisive, not the postmark.

This mid-year window is useful if you missed the year-end deadline or if your situation has changed. It concerns only basic insurance: supplementary cover (LCA/VVG) follows its own calendar.

Unlike the 30 November deadline, which follows the announcement of the new premiums, the 30 June window is not tied to any tariff communication. It is therefore less well known, but it offers eligible profiles a second chance to change fund during the year.

The conditions to meet

Two cumulative conditions: being on the ordinary deductible of CHF 300 (and not a higher optional deductible) and having the standard model with free choice of doctor. If you have chosen an alternative model (family doctor, HMO, Telmed, pharmacy) or a higher deductible, this 30 June exit is not open to you, and you will have to wait for 30 November.

As always, a cancellation is blocked as long as premiums or cost-sharing remain unpaid. Settle them before sending your letter.

Writing and sending before 31 March

The letter includes the usual details: identity, policy number, wish to cancel, effective date of 30 June, signature. Ideally state that you are on the ordinary deductible with free choice of doctor to ease processing. Send by registered mail and allow for delivery so receipt is secure before 31 March.

Keep the registered-mail receipt and wait for your fund's written confirmation before treating the cancellation as settled. If the fund disputes your eligibility for this window, it is usually because the recorded deductible or insurance model does not meet the two required conditions: check this information on your policy.

You can generate a letter tailored to this 30 June window here, to review, print and sign. Make sure you are affiliated elsewhere on 1 July, since basic insurance is continuous.