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Mind the deadlines!
For basic health insurance (LAMal), your termination must reach your insurer before 30 November for a change on 1 January.
The termination deadlines
In Switzerland, termination deadlines vary depending on the type of insurance.
Key dates to remember
- • LAMal: terminate before 30 November for a change on 1 January
- • Supplementary: according to the contract terms (generally 3 months' notice)
- • Car/Home contents: generally 3 months before the annual renewal date
How to terminate?
Terminating insurance in Switzerland must comply with certain rules and deadlines. Here are the steps to follow:
- 1Check the termination deadlines of your contract
- 2Compare offers to find better insurance
- 3Send your termination letter by registered post
- 4Wait for confirmation from your insurer
By insurer
Each insurer has its own procedures. Click on your insurer for the details.
Letter templates
We provide you with free termination letter templates.
- Standard LAMal termination letter
- Termination letter with change of insurer
- Supplementary insurance termination letter
Frequently asked questions
Can I terminate at any time?
For LAMal, termination is only possible on 30 November or 31 March (with the basic deductible). Supplementary policies have their own conditions.
What happens if I miss the deadline?
Your contract will be automatically renewed for another year.
Do I need to inform my new insurer?
Yes, you must first take out a policy with the new insurer before terminating the old one.
Need help terminating?
Book an appointment with an advisor to support you through your steps.