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InsuranceHealth insuranceWhy the postmark is irrelevant
Switching insurers

Why the postmark is irrelevant

28.09.2020

Source: iStock.com / AndreyPopov

If you want to, you can switch health insurance and save on premiums every year. The insurance company must receive your cancellation letter by 30 November. Our online template makes the process quick and straightforward.

Send your cancellation letter in good time

Remember to send your written notice of cancellation to your insurer in good time, as it is the insurer's date stamp that counts – not the postmark date – when cancelling compulsory basic health insurance.

The insurance companies must notify you of their new premiums by 31 October. Important: they do not necessarily notify you by letter any more. A number of insurers only send this information by e-mail or via their customer portal if “online” is selected as the standard communication channel. Your written notice of cancellation must arrive at the insurer by 30 November at the latest. Remember that the cancellation deadline applies irrespective of whether the premiums have gone down or up, or will remain the same. Since delays cannot be ruled out, you are advised to send the cancellation letter by registered post by mid-November – or at least 3 working days before the deadline – so that you can prove that you have given sufficient notice.

If time is tight, you can also take the cancellation letter to your insurer in person and ask them to confirm receipt. You can use our online template to create the cancellation letter for free and with little effort.

Create cancellation letter

Tip: cancelling health insurance

Send the cancellation letter by registered post. And don’t forget: to be able to cancel your health insurance policy, all monthly premiums and out-of-pocket costs (deductibles, coinsurance) must be paid. All invoices must be settled before 31 December.

Also, parents are not obliged to insure their children with the same provider as they have. While two separate insurers may be more complicated administratively and you may also miss out on a potential family discount, you could well save more money overall.

If you have already signed a new contract, your old insurer will notify the new one that you have cancelled. You therefore don’t need to worry about having no cover or paying two sets of premiums. However, you don't need to have selected a new basic health insurance plan by 30 November. You have until 30 December to do this. 

You can find more information about the cancellation deadlines for basic and supplemental health insurance in our “how to cancel” article.

If you haven't compared premiums yet, you can do so now with our free and easy-to-use comparison tool. With just one click, you can obtain a free quote from the insurance company of your choice, who will e-mail it to you in PDF format. 

Compare premiums now

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