Health insurance

Cancel your health insurance – easily with alletta

Are you unhappy with the benefits, premiums or customer service of your current health insurance provider? Then it's worth comparing now – and switching. With alletta, you'll find the right health insurance provider in just a few minutes, 100 % digitally. And we'll take care of cancelling your old policy for you.

Countdown basic insurance

Your cancellation must arrive by 30.11.2026
109days remaining

Countdown supplementary insurance (guideline)

Your cancellation must arrive by 30.09.2026
48days remaining

Guideline — your actual deadline is stated in your contract's general terms and conditions (GTC).

Deadlines

When can you cancel?

The deadlines differ for basic and supplementary insurance — and depend on your model.

Basic insurance (OKP)

Cancellation dateApplies toMust reach your health insurance provider by
December 31

All insured persons

November 30(2026: Monday, November 30, 2026)
June 30

Standard model, free choice of doctor, lowest deductible (CHF 300 adults / CHF 0 children)

March 31
Mid-year

If your insurer raises premiums mid-year

Last day of the previous monthbefore the new premium takes effect

Legal basis: Art. 7 KVG – Change of insurer (Fedlex) as well as FOPH – Premiums and costs, FAQ.

If November 30 falls on a weekend, your cancellation must reach your health insurance provider by the last working day before it at the latest. What always counts is the date of receipt at the health insurance provider — not the postmark.

You can cancel your basic insurance without having already taken out a new insurance policy — health insurance providers are legally required to accept you regardless of your state of health.

Supplementary insurance (VVG)

Cancellation dateApplies toMust reach your health insurance provider by
December 31

All supplementary insurance policies; for multi-year contracts, at the earliest from the third insurance year

September 30(2026: Wednesday, September 30, 2026)
Mid-year

In case of a premium increase, change of age bracket or loss of a group discount

Depends on the insurerEnd of the year, end of November or 1 month after notification — see the GTC
Individual

Depending on the provider and product, other dates may apply

Stated in the general terms and conditions (GTC) of your policy

Legal basis: Art. 35a VVG – Ordinary termination (Fedlex). Supervision of supplementary insurance: FINMA – Supplementary health insurance (basic insurance, on the other hand, is supervised by the FOPH).

For practical reasons, outpatient and hospital supplementary insurance policies are often processed together, while dental insurance is usually handled separately. Here too, the date of receipt at the health insurance provider is what counts.

Important

Only cancel your supplementary insurance once your new health insurance provider has already accepted you. Supplementary insurance involves a health check — your application can be rejected. This way you avoid being left without insurance coverage.

Tip: Compare offers by early September at the latest — for supplementary insurance you need to fill out a health declaration, which is reviewed and takes some time. The new policy often only arrives in October — if your premium is unchanged by then, you usually can no longer cancel.

Instructions

How to cancel correctly

01
Write your cancellation letter Name, address, insurance number, the product to be cancelled and the desired cancellation date. All adults must sign; for children, the legal representative signs.
02
Send it by registered mail This gives you legally secure proof of receipt. For supplementary insurance, cancellation by email is usually also possible — ask for a written confirmation of receipt.
03
Wait for confirmation Your insurer is required to confirm receipt of your cancellation in writing.

Special case

Extraordinary cancellation

Besides the ordinary dates, there are situations in which you can cancel earlier.
ReasonBasic insuranceSupplementary insurance

Premium increase

Special right of cancellation under Art. 7 para. 2 KVG: the insurer must inform you at least 2 months in advance, and your cancellation must arrive by the last day of the month before the increase takes effect.

As a rule: cancellation by the end of November to cancel as of December 31. Depending on the insurer, other deadlines may also apply (until the end of the year or one month after notification) — see the GTC.

Moving to a higher age bracket

— (basic insurance has no age-bracket premiums)

Counts as a premium increase. Supplementary insurance has no uniform, legally regulated age brackets like basic insurance — each insurer sets its own tariff levels.

Loss of a group discount

—

Also counts as a premium increase, with the same deadline logic as above.

After a claim

—

Cancellation is possible if the insurer has paid out benefits for it. The deadline starts when you become aware that the benefits have been covered.

Moving house

—

If your insurer does not offer a corresponding supplementary insurance at your new place of residence, it will cancel the contract itself.

Legal basis: Art. 7 para. 2 KVG (basic insurance) and Art. 35b VVG (supplementary insurance), both on Fedlex.

If you have several supplementary insurance policies with the same insurer (e.g. outpatient and hospital), different rules often apply per product — with some insurers you can only cancel the product whose premium has changed.

Exceptions

When is cancellation not possible?

CaseApplies toExplanation

Unpaid premium invoices

Basic insurance

If you have unpaid, reminded premiums or cost contributions outstanding as of December 31, you cannot switch insurers. For supplementary insurance, this is governed by the individual contract terms.

Missed deadline

Both

Without a cancellation submitted on time, your insurance is automatically extended by another year.

Incomplete documents

Both

For example, the exact product, the cancellation date or a signature is missing.

Missing proof of insurance

Basic insurance

The switch only takes effect once your new insurer has confirmed seamless continued coverage (Art. 7 para. 5 KVG). For supplementary insurance there is no obligation to accept you — so here too, always wait for the new insurer's confirmation first.

If you are undergoing ongoing medical treatment, especially for serious illnesses, you are still allowed to cancel. But be aware that the continued payment of your treatment does not always go smoothly.

The easy way

How alletta helps you cancel

Start your self-advisory session

Your personal AI avatar guides you through the process step by step.

Compare health insurance providers

Transparent comparisons of premiums, benefits and models — for basic and supplementary insurance.

Cancel and switch digitally

The entire process runs online, without paperwork. alletta handles all the cancellation formalities for you.

Secure your Cashback

You are rewarded with Cashback for your self-advisory session.

Free

Never miss a cancellation deadline

Sign up for our reminder service — we'll get in touch in good time before your personal cancellation deadline.

Questions & answers

Frequently asked questions

Then your basic insurance is automatically extended by another year. Switching is only possible again at the next ordinary cancellation date.

Yes, but keep in mind: supplementary insurance policies have their own, often different, cancellation deadlines and must be cancelled separately — independently of your basic insurance.

Usually just a few minutes — conveniently online, with personal guidance from your avatar.

For basic insurance, not necessarily — acceptance is guaranteed by law. For supplementary insurance, you should definitely wait for the new insurer's confirmation of acceptance first, since a health check takes place here.

Then your existing supplementary insurance remains unchanged, as long as you have not cancelled it yourself. So: always take out the new policy first, and only cancel the old one afterwards.

Switch your health insurance now – with Cashback

Save time, money and hassle with alletta's switching service.

  • Clear, simple and digital — no bureaucracy at all
  • Personal advice from your digital assistant
  • Attractive Cashback on successful completion