Health insurance

Cancelling supplemental insurance


Cancellation periods if premiums rise:

If your health insurer raises its premiums as of the start of the year, you are allowed to cancel at short notice. Some insurers allow you to give written notice by the end of the year, others only by the end of November or by up to a month after the premium increase is announced.

Basically, 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). So it is important to read the conditions of insurance carefully or ask the health insurer directly.

If you have multiple supplemental insurance policies with the same insurer, i.e. an outpatient policy and a hospital policy, you need to check what the procedure is in each case, as different rules apply for each insurer. Some insurers only allow you to cancel the policy affected by the premium change, others allow you to cancel all policies.

You can also cancel earlier than usual if you move up to a more expensive age group.

Cancellation periods in case of unchanged premiums:

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

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

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

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

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

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

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

Groupe Mutuel (AvenirEasy SanaMutuel AssurancePhilos)
Minimum term of contract: usually 5 years
Period of notice: usually 6 months to end of calendar year

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

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

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

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

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

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

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

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

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

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

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


Tips:
  • Don’t cancel your current supplemental insurance until you have received an unconditional confirmation from your new insurer. Otherwise you are advised to cancel only the basic insurance policy. Notices of cancellation should be sent by registered mail only.
  • Health insurance providers can add temporary or permanent exclusions to supplemental insurance applications 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 that has been excluded.
  • Answer the questions in the application form accurately and completely. Health insurance providers have the right to make retroactive exclusions 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.