How do I cancel securely by registered mail?

Use registered mail (R-post). Keep the receipt carefully. The receipt contains the tracking number, which you can use to track online at the post office exactly when the letter was delivered. This is your only legally sound evidence.

What happens in case of outstanding premiums?

This is a critical point: if you are in arrears with premiums or cost sharing (deductible/retention) and have already been prosecuted, you may not switch basic insurance. Only when all debts are settled is a switch at the end of the year possible again.

Do I have to state the new insurer when cancelling?

No, in your cancellation letter to the old insurer you do NOT have to state where you are switching to. However, the old insurer may only dissolve the insurance when they have received confirmation from the new insurer that you are seamlessly insured there.

Can I cancel basic insurance alone?

Yes, absolutely. This is called 'split-contracting'. You can have the mandatory basic insurance with the cheapest provider and leave your valuable supplementary insurance with the old insurer. The insurer is not allowed to cancel your supplementary insurance just because you leave with the basic insurance.

What applies to cross-border commuters?

Cross-border commuters from EU/EFTA countries often have a right of option. If they are insured in Switzerland, the same cancellation periods apply to them as to persons resident in Switzerland. In the event of termination of employment in Switzerland, the insurance obligation ends automatically.

Are there cancellation templates for e-mail?

Although some modern insurers accept cancellations via e-mail or app, experts advise against it unless there is an electronic signature. A simple text via e-mail is no more legally secure than a letter. In case of doubt, use our secure service.