What is the deadline to cancel my basic insurance in St. Gallen?

An ordinary LAMal/KVG cancellation must reach your insurer by 30 November at the latest, effective 31 December. If a premium increase is announced, an extraordinary right to cancel also applies.

Do my premiums depend on my address in St. Gallen?

Yes: the basic premium depends on your canton (Saint-Gall) and your premium region, hence your postal code. The benefits themselves are identical across Switzerland.

Must I cancel before signing up elsewhere?

No, it is the opposite: join the new insurer first, get confirmation, then cancel the old one to avoid any gap in cover.

Cities

Health insurance cancellation letter template for St. Gallen

A sample LAMal cancellation letter for St. Gallen (Saint-Gall) to personalise, with the local details to include.

In St. Gallen, basic insurance (LAMal/KVG) is mandatory for every resident. To switch insurer you need a written cancellation letter: our template includes the required details and adapts to your situation in St. Gallen.

An eastern-Switzerland university city, St. Gallen heads a large canton split into several premium regions. St. Gallen lies in the canton of Saint-Gall: be sure to state your exact address in the letter, as it determines your premium region.

Canton

Saint-Gall

Main postal codes

9000 · 9008 · 9011 · 9012 · 9014 · 9010 · 9015 · 9016

Main language

German

Common postal codes for St. Gallen (public data). Your regional premium depends on your exact address within the canton of Saint-Gall.

Adult premium 2026

from 408 to 666 CHF / month

Adult range 2026 for the premium region of St. Gallen (not the average of the whole canton of Saint-Gall): St. Gallen falls under its own FOPH premium region. Exact amounts depend on the insurer, model and deductible chosen.

Source: OFSP 2026 premiums, published 09/2025.

How to cancel in St. Gallen, step by step

Check your deadlines
For basic insurance, a year-end cancellation must reach your insurer by 30 November at the latest (effective 31 December). Mid-year, a premium increase also opens an extraordinary right to cancel.
Choose the new insurer first
Compare offers in St. Gallen on a like-for-like basis, then join the new insurer BEFORE cancelling the old one. Your basic cover must never be interrupted.
Send your cancellation
Send a cancellation letter by registered post to your current insurer, stating the effective date. Keep the proof of posting and the new insurer's confirmation of membership.

Local context in St. Gallen

Whether you live in central St. Gallen or a neighbouring municipality of the canton of Saint-Gall, the cancellation procedure is the same. Only regional premiums may vary by postal code: always compare on the basis of your exact address.

★ Good to know

The basic-insurance catalogue is identical everywhere in Switzerland: in St. Gallen as elsewhere, a lower premium never means less cover for basic insurance.

Other cities in the same region

Health insurers present in St. Gallen

The main insurers operate across Switzerland; here are a few whose cancellation sheet you can consult.

Prepare your cancellation in St. Gallen

Generate a cancellation letter tailored to your situation in St. Gallen, ready to print or send.

To generate your letter

Leave your details: you unlock the PDF letter and a licensed adviser can call you back to compare.

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LAMal cancellation deadline

—days—hrs—min

Cancellation received by 30 November, effective 1 January.

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Frequently asked questions in St. Gallen

What is the deadline to cancel my basic insurance in St. Gallen?: An ordinary LAMal/KVG cancellation must reach your insurer by 30 November at the latest, effective 31 December. If a premium increase is announced, an extraordinary right to cancel also applies.
Do my premiums depend on my address in St. Gallen?: Yes: the basic premium depends on your canton (Saint-Gall) and your premium region, hence your postal code. The benefits themselves are identical across Switzerland.
Must I cancel before signing up elsewhere?: No, it is the opposite: join the new insurer first, get confirmation, then cancel the old one to avoid any gap in cover.