Cancelling supplemental insurance


Cancellation periods if premiums rise:

The provisions stated in the insurance conditions of your supplemental insurance apply (e.g. one month from notification of higher premiums or per year end).

Cancellation periods with unchanged premiums:

Please note that there may be deviations from the table below, depending on the product. Please always make sure to check both your General Insurance Conditions and any additional insurance conditions.

Agrisano
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Aquilana
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Assura
Minimum term of contract: 5 years
Period of notice: 6 months before end of calendar year

Atupri
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Concordia
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

CSS Group (Arcosana, CSSIntras, Sanagate)
Minimum term of contract: depending on insurance policy
Period of notice: 3 months before end of calendar year

EGK-Gesundheitskasse
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Galenos
Minimum term of contract: 6 months
Period of notice: 3 months before end of June or end of calendar year

Groupe Mutuel (Avenir, Easy Sana, Mutuel Assurance, Philos)
Minimum term of contract: generally 5 years
Period of notice: generally 6 months before end of calendar year

Helsana Group (Avanex, Helsana, Progrès, Sansan) 
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Klug
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Kolping
Minimum term of contract: depending on insurance policy
Period of notice: 3 months before end of calendar year

KPT / CPT
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

ÖKK / KV Flaachtal
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Rhenusana
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Sanitas Group (Compact, Sanitas, Wincare)
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Sodalis
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Sumiswalder KK
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Swica / Provita
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Sympany
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

Visana Group (Sana24, Visana, Vivacare)
Minimum term of contract: 1 year
Period of notice: 3 months before end of calendar year

 

Tips:

  • Do not cancel your current supplemental insurance before having received confirmation of unconditional acceptance from your new health insurance provider. Otherwise it is recommended to cancel only the basic insurance policy. Notices of cancellation should be sent by registered mail only.
  • Health insurance providers can make temporary or permanent reservations for supplemental insurance if they consider an applicant's state of health to be an unfavourable risk. This means that the policyholder will not receive benefits for treatment of an illness addressed in the reservation.
  • Answer the questions in the application form accurately and completely. Health insurance providers have the right to make retroactive reservations if it is later determined that false or incomplete information was provided on the application form.
  • According to the Federal Act on Insurance Policies (VVG), a policyholder may withdraw from a specific part of the insurance contract following any claim related thereto for which the insurer has paid benefits. Notice has to be given in writing within a specified period after payment or after the policyholder has been notified of the claim being covered by the insurer. The periods applied by the health insurance companies vary. The premium is payable until the termination of the contract.

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