What is the deadline to cancel my basic insurance in Zürich?

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 Zürich?

Yes: the basic premium depends on your canton (Zurich) 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 Zürich

A sample LAMal cancellation letter for Zürich (Zurich) to personalise, with the local details to include.

In Zürich, 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 Zürich.

Switzerland's largest city, Zürich hosts most health-insurer head offices; its premium region differs from the rest of the canton. Zürich lies in the canton of Zurich: be sure to state your exact address in the letter, as it determines your premium region.

Canton

Zurich

Main postal codes

8001 · 8003 · 8004 · 8005 · 8050 · 8002 · 8006 · 8008

Main language

German

Common postal codes for Zürich (public data). Your regional premium depends on your exact address within the canton of Zurich.

Adult premium 2026

from 477 to 724 CHF / month

Adult range 2026 for the premium region of Zürich (not the average of the whole canton of Zurich): Zürich 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 Zürich, 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 Zürich 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 Zürich

Whether you live in central Zürich or a neighbouring municipality of the canton of Zurich, 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 Zürich as elsewhere, a lower premium never means less cover for basic insurance.

Other cities in the same region

Health insurers present in Zürich

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

Prepare your cancellation in Zürich

Generate a cancellation letter tailored to your situation in Zürich, 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 Zürich

What is the deadline to cancel my basic insurance in Zürich?: 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 Zürich?: Yes: the basic premium depends on your canton (Zurich) 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.