Cancel your health insurance: by 30 November, with template
Your cancellation of basic insurance must have reached your insurer by 30 November 2026. The postmark does not count.
How to switch in four steps
- Choose your new insurer and sign up there for 1 January 2027. It must accept you without health questions.
- Cancel your current insurer, right here: in the cancellation letter tool, pick your insurer, enter your name and address and sign with your mouse or finger. We email you the finished letter with the right address as a PDF.
- Send it: by email if your insurer accepts that (shown with the letter), otherwise by post, at least one week before 30 November 2026. Registered mail is not required, but proves receipt.
- Wait for confirmation. The new insurer confirms in writing, to you and to your old insurer, that you are insured with it. Until then your old insurance remains in force, so you are never without cover.
Important: if you still have unpaid premiums or cost-sharing with your current insurer on 31 December, you cannot switch. Pay any open bills first.
Create your cancellation letter
Pick your insurer, enter your details, sign. You receive the PDF by email. You send it to the insurer yourself.
Special cases
- Only changing model or deductible with the same insurer: also possible from 1 January. The deadline is in your insurer’s terms; you are safe if you notify them by 30 November 2026.
- Cancelling for the end of June: only in the standard model with a 300 deductible, received by 31 March.
- Moving abroad or death: the insurance ends without notice on the day you leave or the day of death.
Addresses of all health insurers
Addresses according to the FOPH list of licensed health insurers. Some insurers also give their own address for cancellations on their website; both are valid. The “Cancellation” column shows whether the insurer explicitly accepts cancellation of basic insurance by email on its website (as of 30/09/2026). “Post” means it says nothing about it or requires a letter.
| Insurer | Address | Cancellation |
|---|---|---|
| Agrisano | Agrisano Krankenkasse AG, Laurstrasse 10, 5201 Brugg AG | Post |
| Aquilana | Aquilana Versicherungen, Bruggerstrasse 46, 5401 Baden | kuendigungen@aquilana.ch |
| Assura | Assura-Basis SA, Avenue C.-F. Ramuz 70, 1009 Pully | Post |
| Atupri | Atupri Gesundheitsversicherung AG, Laupenstrasse 18, 3008 Bern | info@atupri.ch |
| Avenir | Avenir Krankenversicherung AG, Rue des Cèdres 5, 1919 Martigny | kunden@groupemutuel.ch * |
| Birchmeier | Krankenkasse Birchmeier, Hauptstrasse 22, 5444 Künten | Post |
| Concordia | CONCORDIA Schweiz. Kranken- und Unfallversicherung AG, Bundesplatz 15, 6002 Luzern | info@concordia.ch |
| CSS | CSS Kranken-Versicherung AG, Tribschenstrasse 21, Postfach 2568, 6002 Luzern | Post |
| curaulta | curaulta, Postfach 22, 7144 Vella | Post |
| EGK | EGK Grundversicherungen AG, Birspark 1, 4242 Laufen | Post |
| Einsiedler Krankenkasse | Einsiedler Krankenkasse, Kronenstrasse 19, Postfach 57, 8840 Einsiedeln | Post |
| Galenos | Galenos AG, Binzmühlestrasse 95, 8050 Zürich | Post |
| Glarner | Genossenschaft Glarner Krankenversicherung, Abläsch 8, Postfach, 8762 Schwanden | Post |
| Helsana | Helsana Versicherungen AG, Postfach, 8081 Zürich | kuendigungen@helsana.ch |
| KK Luzerner Hinterland | Krankenkasse Luzerner Hinterland, Luzernstrasse 19, 6144 Zell LU | Post |
| KK Steffisburg | Genossenschaft Krankenkasse Steffisburg, Unterdorfstrasse 37, Postfach, 3612 Steffisburg | Post |
| KK Visperterminen | Verein Krankenkasse Visperterminen, Dorfstrasse 66, 3932 Visperterminen | Post |
| KK Wädenswil | Stiftung Krankenkasse Wädenswil, Industriestrasse 15, 8820 Wädenswil | Post |
| KPT | KPT Krankenkasse AG, Wankdorfallee 3, Postfach, 3001 Bern | Post |
| Mutuel | Mutuel Krankenversicherung AG, Rue des Cèdres 5, 1919 Martigny | kunden@groupemutuel.ch * |
| Philos | Philos Krankenversicherung AG, Rue des Cèdres 5, 1919 Martigny | kunden@groupemutuel.ch * |
| rhenusana | rhenusana, Widnauerstrasse 6, 9435 Heerbrugg | Post |
| sana24 | sana24 AG, Weltpoststrasse 19, Postfach, 3000 Bern 16 | Post |
| Sanitas | Sanitas Grundversicherungen AG, Jägergasse 3, Postfach 2010, 8021 Zürich | info@sanitas.com |
| SLKK | Genossenschaft KRANKENKASSE SLKK, Hofwiesenstrasse 370, Postfach 5652, 8050 Zürich | Post |
| sodalis | sodalis gesundheitsgruppe, Balfrinstrasse 15, 3930 Visp | Post |
| Sumiswalder | Sumiswalder Krankenkasse, Spitalstrasse 47, 3454 Sumiswald | Post |
| Swica | SWICA Krankenversicherung AG, Römerstrasse 37, 8401 Winterthur | mySWICA |
| Visana | Visana AG, Weltpoststrasse 19, Postfach, 3000 Bern 16 | Post |
| vita surselva | vita surselva, Bahnhofstrasse 33, Postfach 217, 7130 Ilanz | Post |
| Vivao Sympany | Vivao Sympany AG, Peter Merian-Weg 4, 4002 Basel | kuendigungen@sympany.ch * |
| ÖKK | ÖKK Kranken- und Unfallversicherungen AG, Bahnhofstrasse 13, 7302 Landquart | info@oekk.ch |
* Only from the email address the insurer has on file for you.
Frequently asked questions
What is the deadline to cancel my health insurance?
Your cancellation of basic insurance must reach the insurer by 30 November 2026. What counts is the date the insurer receives the letter, not the postmark. The switch takes effect on 1 January 2027.
Do I have to cancel by registered mail?
No. The law prescribes no form; what matters is that the cancellation arrives on time. According to their own websites, 11 of 32 insurers also accept it by email; the table below shows which. By post, registered mail is the safest proof; by email, the insurer’s confirmation of receipt.
Can the new health insurer refuse me?
No. In basic insurance, every insurer must accept everyone in its area of operation, without health questions. Supplementary insurance is different.
What happens to my supplementary insurance?
Nothing, unless you cancel it yourself. Supplementary insurance can stay with your current insurer even if you switch basic insurance. It has its own notice periods in the contract. Switching it rarely pays off: the new insurer may ask health questions and impose exclusions. Advisers still often recommend it, because they earn a commission.
Can I also switch at the end of June?
Only in the standard model with a 300 deductible. The cancellation must then arrive by 31 March, and the switch takes effect on 1 July.
Sources: Federal Office of Public Health (questions on premiums and switching), list of licensed health insurers. No liability for accuracy.