Canceling Additional Insurance

While supplementary insurance isn't mandatory in Switzerland, canceling it requires careful attention to specific rules and procedures.

Important Considerations

Secure New Coverage First

Get approval from new insurer before canceling existing policy

Read Contract Carefully

Understand specific terms and conditions for your policy

Use Registered Mail

Send cancellation notice by registered mail for proof of delivery

Termination Rules

Standard Notice Period

Typically three months before the end of your contract

Premium Increase

Right to cancel early if premiums increase (notice period varies by insurer)

Age Bracket Change

Early termination possible when moved to a higher premium age bracket

Notice Periods

Standard Contracts

For one-year policies, typical notice periods are:

  • Three months before contract end
  • Some insurers require six months notice

Premium Increases

Early termination rights when premiums increase:

  • By year end
  • By end of November
  • Within one month of announcement (varies by insurer)

Cancellation Letter Requirements

Your cancellation letter must include:

  • Name of the supplementary insurance company
  • License plate of the supplementary insurance company
  • Termination date
  • Clear statement of cancellation intent
  • Your signature

Important: Always send your cancellation letter by registered mail to ensure proof of delivery.

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