Switching insurers

Why the postmark is irrelevant

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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 29 November. Our online template makes the process quick and straightforward.

Don’t leave it to the last minute: remember to send your written notice of cancellation in good time, as it is the date stamp of the insurer that counts when cancelling compulsory basic health insurance – not the postmark date.

The insurance companies must notify you of their new premiums by 31 October. And your written notice of cancellation must arrive at the insurer by 29 November at the latest. Even 30 November is too late. Note 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, we recommend sending the cancellation letter by registered post by mid-November – or 27 November at the very latest – 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


Our tip: 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 health insurance plan by 29 November. You have until 30 December 2019 to do this. 

If you want to learn more about the cancellation deadlines for basic and supplemental insurance, you can find further information here

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 companies of your choice, who will e-mail it to you in PDF format. 

Compare premiums now