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Switching centre · Cancellation letterYour details stay in your browser

Create your health insurance cancellation letter yourself

Choose your insurer, enter your details, download the PDF: the generator sets the address, date and deadline under the KVG. If you cancel basic health insurance at the end of the year, the letter must reach the insurer by 30.11.2026. Register with the new insurer at the same time; the order of steps is in the switching centre.

Your health insurer

Health insurer

Your insurer is missing? Then its cancellation address has not been verified yet; use the address on your policy.

Your address

Insured people

Everyone whose insurance with this insurer you are cancelling (at most 6).

Person 1

Shown on the health insurance card or the policy.

What are you cancelling, and for when?

Insurance
Cancellation date

for 31.12.2026

Must reach the insurer by Monday, 30.11.2026 (Art. 7 para. 2 KVG).

Place, date and reason

Date of letter

A reason is not required (Art. 7 KVG).

Instructions

Your letter in 4 steps

  1. Choose your insurer

    You see the cancellation address with source and retrieval date. 34 insurers are listed.

  2. Enter your details

    Your address and every person with date of birth. The insurance number is on the health insurance card; it helps the insurer match your letter, and is optional in the generator.

  3. Check the date

    Basic health insurance for 31.12. with receipt by 30.11.2026; for 30.06. only with the standard deductible in the standard model.

  4. Print and send the PDF

    Every person of age signs. Send by registered mail or A-Post Plus, according to the FOPH by 15.11.2026.

Deadlines · Receipt by the insurer

When the letter must arrive

  • Cancellation for 31.12.

    Monday · 26 days left

    For all deductibles and models. The postmark does not count; what counts is receipt.

    FOPH recommendation: send by registered mail or A-Post Plus by 15.11.2026.

    Source: Art. 7 para. 2 KVG; weekend rule: FOPH fact sheet “Changing health insurer”

  • Cancellation for 30.06.

    Wednesday · 147 days left

    Only with the standard deductible (CHF 300, children CHF 0) in the standard model.

    Source: Art. 7 para. 1 KVG; Art. 94 para. 2 and Art. 100 para. 3 KVV; weekend rule: FOPH fact sheet “Changing health insurer”

Registered mail or A-Post Plus: with both methods you can prove receipt if the insurer disputes it. If the last day falls on a weekend, according to the FOPH the letter must arrive on the Friday before. The deadline calculator shows all deadlines for your situation.

Frequently asked questions

By when must the cancellation letter reach the insurer?

To switch at the end of the year, by 30.11.2026; what counts is receipt, not the postmark (Art. 7 para. 2 KVG). The FOPH recommends sending the letter by registered mail or A-Post Plus by 15.11.2026. For 30.06., notice must arrive by 31.03.; this is only possible with the standard deductible in the standard model (Art. 7 para. 1 KVG; Art. 94 para. 2 and Art. 100 para. 3 KVV).

Do I have to give a reason for cancelling?

No. The KVG only ties cancellation of basic health insurance to a date and deadline, not to a reason (Art. 7 KVG). That is why the field is optional in the generator.

Who has to sign the letter?

Every insured person of age signs for themselves; you are of age at 18 (Art. 14 CC). For children, the parents sign as legal representatives (Art. 304 CC). The generator adds a separate signature line for every person of age.

Can I cancel supplementary insurance in the same letter?

Yes, by choosing “Both”. Supplementary insurance is governed by the Insurance Contract Act, though, and the deadline is in the general terms and conditions of your product. Only cancel it once the new insurer has accepted you in writing. If you only cancel basic health insurance, your supplementary insurance continues (Art. 7 paras. 7 and 8 KVG).

What happens after I have sent the letter?

Your old basic health insurance only ends once the new insurer has told it that you are insured without interruption (Art. 7 para. 5 KVG). If you still owe premiums or co-payments after debt enforcement, you can only switch once everything has been paid (Art. 64a para. 6 KVG).

Sources

  1. Federal Health Insurance Act (KVG), Art. 4, 7 and 64afedlex.admin.ch
  2. Health Insurance Ordinance (KVV), Art. 94 and 100fedlex.admin.ch
  3. Insurance Contract Act (ICA), Art. 4fedlex.admin.ch
  4. FOPH fact sheet “Changing health insurer” (23.09.2025, in German)bag.admin.ch
  5. Swiss Civil Code (CC), Art. 14 and 304fedlex.admin.ch