Create your cancellation letter

Fill in, print, sign, send by registered mail. We take your insurer's address from the official register of licensed insurers.

To switch as of 1 January the cancellation must reach your insurer by 30.11.2026. You have 75 days left.

Your details

First name * Last name *

Street and number * Postcode and town *

Date of birth Policy number Shown on your insurance card or policy. It helps them find you but is not mandatory.

Your current insurer Current insurer * Also cancel supplementary insurance at the same insurer

Frequently asked questions

By when must the cancellation reach the health insurer?

The cancellation of basic insurance must have ARRIVED at the insurer by 30 November at the latest — not been sent. What counts is receipt, not the postmark. After that the contract runs for another calendar year.

Should I cancel first or find the new insurer first?

The new insurer first. Basic insurance is compulsory, and the old cancellation only becomes valid once the new insurer has confirmed cover from 1 January. Anyone who only cancels risks ending up without a contract.

Can an insurer refuse to take me on?

For basic insurance every insurer must accept every person — with no health questions. The change is blocked, however, as long as unpaid premiums or cost shares are outstanding with your current insurer (Art. 64a KVG). So settle open invoices first.

Does supplementary insurance move across automatically?

No. Supplementary insurance is a separate contract under the Insurance Contract Act (VVG) with its own notice period — usually three months, so the end of September. And a new supplementary insurer may ask health questions and turn you down. So never cancel the supplementary cover before the new one is confirmed.

What if I have missed the deadline?

Then the contract runs for another calendar year. There is one exception, for insured persons on the standard model with the ordinary deductible: under Art. 7 para. 1 KVG they may also switch at the end of June with three months' notice. Anyone on a higher chosen deductible or a restricted-choice model can only switch at year end.