Health Insurance Termination Template for Download
The template for the insurer termination covers basic and supplementary insurance and helps you with the timely switch of the insurer. Compando provides legally secure templates with all mandatory information.
1. Terminate basic insurance: template for download
You can terminate the mandatory basic insurance at the end of the year (Art. 7 KVG). Your termination letter must arrive at the insurer by the last working day in November. Decisive is the date of receipt, not the postmark.
A termination by registered mail provides legally binding proof of delivery and avoids disputes about the time of receipt. With a tight deadline, personal delivery at the insurer with written confirmation of receipt remains as an alternative.
The termination template from Compando covers both routes and contains all mandatory information for a timely termination of basic insurance.
Compare premiums before termination
The scope of benefits in basic insurance is uniformly regulated by KVG and identical at all insurers. Premiums differ between providers, regions and models by several hundred francs per year. Compando shows the current premiums for your place of residence.
2. Terminate supplementary insurance: template for download
The termination dates for supplementary insurance differ between providers. Often, your termination form must arrive at the insurer by 30 September. Decisive are the General Insurance Conditions (AVB) of the product.
Good to know: Before terminating the existing supplementary insurance, you should have the written acceptance confirmation of the new insurance. Unlike basic insurance, the insurer may reject acceptance into the supplementary insurance after a health questionnaire or set a policy restriction. With splitting, you can deliberately separate basic and supplementary insurance: basic insurance switches separately to a cheaper insurer, while the existing supplementary insurance remains with the original provider.
The template from Compando covers all building blocks of supplementary insurance. In practice, only the supplementary insurance products that are actually to be terminated are listed.
Check benefits before re-conclusion
With supplementary insurance, coverage scope, waiting periods and maximum amounts differ considerably between providers. Compando compares the conditions of all Swiss supplementary insurance by your need and avoids double premiums for unnecessary building blocks.
3. How do I write an insurer termination?
A legally secure termination of the insurer contains the following mandatory information:
- Full name, address and insurance number
- Name and address of the insurer
- Declaration of termination by the timely deadline
- Place and date of termination
- Handwritten signature
Compando tip: The template for basic insurance and the template for supplementary insurance contain all mandatory information in the correct order. This saves time and avoids formal errors when submitting.
The switch of the insurer follows fixed deadlines and steps. A missed deadline means another year with the current insurer and thus another twelve monthly premiums with the previous provider. Anyone who combines the switch with further savings options achieves the maximum savings potential: model switch, deductible adjustment and splitting add up in saving on insurance premiums to up to CHF 3'800 per year.
4. Suspension of basic insurance during military and civil service
With more than 60 consecutive days of military or civil service, you can suspend basic insurance. During suspension, premium payments for basic insurance fall away completely. The insurer needs from you a written application with a copy of the call-up, best eight weeks before the start of service.
