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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.
Minimum term: what it means
Unlike basic insurance, which can be cancelled every year, supplementary insurance falls under private law (LCA) and its general conditions. Some contracts provide for a minimum term — sometimes multi-year — during which ordinary cancellation is not yet possible. The contract runs until its first expiry, then renews tacitly.
First step: find the start date and the term in your general conditions or on your policy. That determines when you will be able to cancel in the ordinary way. As long as the minimum term has not been reached, an ordinary cancellation sent too early will only take effect at the next available expiry.
Observing the expiry date and notice period
Once the minimum term has elapsed (or at its end), you can cancel by observing the notice period provided, generally three months. For an end on 31 December, this means sending the cancellation so that it is received by 30 September. Always check the exact period in your general conditions: it can vary from one contract to another.
Address your letter to the insurer, stating the policy number, the supplementary line concerned and the desired effective date. As with basic cover, registered mail secures proof of receipt, particularly useful when a precise expiry is at stake.
Exiting before expiry: extraordinary cases
A minimum term does not lock everything in: depending on the contract, certain events open a right of extraordinary cancellation before expiry — for example after a claim, or when the insurer adjusts the conditions. These options, their deadlines and effects are described in your general conditions: read them carefully.
Basic insurance, by contrast, is never affected by a minimum term: it is cancelled every year under the LAMal rules. Do not confuse the two. If you hold basic and supplementary cover with the same fund, handle each contract on its own timeline.
★ Good to know
A minimum term concerns only supplementary cover (LCA), never basic insurance. Your general conditions state the contract term and the exact notice period to observe.
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Questions fréquentes
Can a supplementary policy with a minimum term be cancelled?
Where is the minimum term stated?
Does basic insurance also have a minimum term?
Can I cancel before expiry after a claim?
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