# Cancel Swiss health insurance 2027: sample letter, deadline > Cancelling your health insurance: sample letter, end-of-November deadline (receipt counts), sending by registered mail and what happens after cancelling. Source: https://easyall.ch/en/ratgeber/kuendigung-krankenkasse-musterbrief Updated: 2026-11-12 **In short** (as of 07.10.2026): Your cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026 at the latest for you to switch on 1 January 2027 (Art. 7 para. 2 KVG). What counts is the date of receipt, not the postmark. Your old insurance only ends once the new insurer has notified it that you are covered without interruption (Art. 7 para. 5 KVG). If you want to cancel your basic insurance, you need one thing above all: the right deadline. Your cancellation must reach your current insurer by the end of November. What counts is the date of receipt, not the postmark. This guide provides the template for the cancellation letter and shows what to bear in mind before and after cancelling. ## The deadline: Monday, 30 November 2026, and it is receipt that counts You cancel your basic insurance (OKP) with ordinary notice at the end of the year; the switch takes effect on 1 January. Your cancellation must reach your current insurer by the end of November. What counts is the date of receipt by the insurer, not the date of the postmark. A registered letter that arrives by the last working day of November at the latest is recommended. For a switch on 1 January 2027, this means: receipt by Monday, 30 November 2026. The legal basis for the end-of-November deadline is Art. 7 para. 2 KVG: after the notice of the new premium, whether it rises, stays the same or falls, the cancellation takes effect at the end of the month preceding the date on which the new premium takes effect, and must arrive one month before that date. After an increase, this is often called the [special cancellation right](https://easyall.ch/en/ratgeber/sonderkuendigungsrecht-praemienerhoehung). One special case widens the window: if you have the standard model with the ordinary deductible (CHF 300, no deductible for children), you can also cancel as of 1 July, with three months' notice, i.e. receipt by the end of March (Art. 7 para. 1 KVG). ## Before cancelling: apply first, then cancel [Switching basic insurance](https://easyall.ch/en/ratgeber/krankenkasse-wechseln) is risk-free: every insurer operating in your region must accept you without a health assessment (Art. 5 let. i KVAG), and your cover continues without a gap. Even so, [the right order](https://easyall.ch/en/ratgeber/krankenkasse-wechseln-checkliste) applies: 1. Choose a new insurer: by law, basic insurance benefits are identical everywhere, so compare premium, model, deductible and accident cover. The [2027 premiums](https://easyall.ch/en/praemien/kantone) have been published since 29 September 2026. 2. Apply to the new insurer; acceptance is guaranteed. 3. Settle amounts you received a reminder for: those up to 30 November must be paid, including debt collection costs, by 31 December; otherwise the cancellation has no effect (Art. 105l KVV). Arrears only for your children do not block your own switch, but they do block the children's (Art. 64a para. 6 KVG). 4. Only then cancel. ## Sample letters 2027: three templates to copy Replace the placeholders in square brackets with your details; you will find your insured person number on your policy or insurance card. The letters themselves are in German; only the placeholders need your details. Template 1 is enough for any switch on 1 January 2027; template 2 also names the premium increase and Art. 7 para. 2 KVG; template 3 is for supplementary insurance. If you are cancelling for several family members, list each person with name, date of birth and insured person number. Switching insurer via easyall? Then you can leave the cancellation to us: we prepare the cancellation letter from your application and send it to your current insurer, free of charge. ### Template 1: cancelling basic insurance as of 31 December 2026 Send by registered mail; it must reach the insurer by Monday, 30 November 2026. ```text [First name Last name] [Street No.] [Postcode Town] Einschreiben [Name of the health insurer] [Address as stated on the policy] [Place], [Date] Kündigung der Grundversicherung (KVG) per 31. Dezember 2026 Versichertennummer: [insured person number], Geburtsdatum: [DD.MM.YYYY] Sehr geehrte Damen und Herren Hiermit kündige ich meine obligatorische Krankenpflegeversicherung (Grundversicherung nach KVG) per 31. Dezember 2026. Bitte bestätigen Sie mir den Eingang dieser Kündigung schriftlich. Freundliche Grüsse [Signature] [First name Last name] ``` ### Template 2: cancelling after a premium increase Send by registered mail; it must reach the insurer by Monday, 30 November 2026. ```text [First name Last name] [Street No.] [Postcode Town] Einschreiben [Name of the health insurer] [Address as stated on the policy] [Place], [Date] Kündigung der Grundversicherung (KVG) per 31. Dezember 2026 (Art. 7 Abs. 2 KVG) Versichertennummer: [insured person number], Geburtsdatum: [DD.MM.YYYY] Sehr geehrte Damen und Herren Gestützt auf Ihre Mitteilung der Prämie 2027 kündige ich meine obligatorische Krankenpflegeversicherung (Grundversicherung nach KVG) gemäss Art. 7 Abs. 2 KVG per 31. Dezember 2026. Bitte bestätigen Sie mir den Eingang dieser Kündigung schriftlich. Freundliche Grüsse [Signature] [First name Last name] ``` ### Template 3: cancelling supplementary insurance (VVG) Only send it once you have the new insurer's written confirmation of acceptance. The date, deadline and form are set out in the AVB, or in the adjustment letter if the premium rises. ```text [First name Last name] [Street No.] [Postcode Town] Einschreiben [Name of the insurer] [Address as stated on the policy] [Place], [Date] Kündigung von Zusatzversicherungen (VVG) Policennummer: [policy number] Sehr geehrte Damen und Herren Hiermit kündige ich die folgenden Zusatzversicherungen per [date under the AVB or the adjustment letter], ersatzweise auf den nächstmöglichen Termin: [Product], [insured person, date of birth] Diese Kündigung betrifft nur die genannten Zusatzversicherungen. Bitte bestätigen Sie mir den Eingang und das Vertragsende schriftlich. Freundliche Grüsse [Signature] [First name Last name] ``` ## Sending it correctly: by registered mail and in good time Because the date of receipt by the insurer counts for all deadlines, it is best to send your cancellation by registered mail: tracking then gives you proof of when the letter arrived. Don't wait until the last few days: the FOPH recommends sending it no later than 15 November 2026 (by registered mail or “A-Post Plus”); for a switch on 1 January 2027, the letter must reach the insurer by Monday, 30 November 2026 at the latest. Keep the posting receipt and the insurer's written confirmation. And importantly: keep paying your current insurer's premiums until the end of the year, as the contract runs until 31 December. ## What happens after the cancellation On 1 January, your new cover starts without a gap. There is no moment without insurance cover when you switch, because the new insurer must accept you. Check the new policy as soon as it arrives: do the deductible, model and accident cover match your application? Your old insurance only ends once the new insurer has notified it that you are covered without interruption (Art. 7 para. 5 KVG). Your old insurer then tells you from which date it no longer covers you. To be on the safe side: in basic insurance, you may only be insured with one insurer. If the cancellation is not valid, for example because it [arrived too late](https://easyall.ch/en/ratgeber/krankenkasse-kuendigung-verpasst), the switch does not take place: the old insurer remains responsible, and the cancellation applies to the next possible date. If you receive invoices from both insurers, clarify the reason at once. ## Note: supplementary insurance and alternatives to cancelling Templates 1 and 2 only apply to basic insurance. Supplementary insurance (VVG) follows its own, considerably earlier deadlines: at most insurers, the cancellation must arrive by 30 September for the contract to end on 31 December, and many products have minimum terms. The golden rule applies here: only cancel once you have the new insurer's written confirmation of acceptance. If you only switch your basic insurance, your current insurer may not force you to cancel the [supplementary insurance](https://easyall.ch/en/ratgeber/zusatzversicherung-kuendigen) you have with it as well, and it may not cancel that supplementary insurance solely because you switch insurer (Art. 7 paras. 7 and 8 KVG). You do not always need to cancel at all: you can adjust your deductible and model with your own insurer. From the standard model you can switch to a [cost-saving model](https://easyall.ch/en/ratgeber/hausarzt-hmo-telmed) at any time (Art. 100 para. 2 KVV); everything else applies from 1 January. Report a lower deductible or a model with fewer restrictions by the end of November; most insurers accept a [higher deductible](https://easyall.ch/en/ratgeber/franchise-waehlen) until the end of December. ## FAQ ### Is it enough if the postmark is dated 30 November? No. What counts is when the cancellation reaches the insurer, not the postmark. Send the letter by registered mail so that it arrives by Monday, 30 November 2026 at the latest for a switch on 1 January 2027. ### What happens if I miss the end-of-November deadline? Then you stay with your insurer for now; the late cancellation applies to the next possible date. With the standard model and a CHF 300 deductible, that is 1 July (receipt by the end of March, Art. 7 para. 1 KVG); otherwise 1 January of the following year (receipt by the end of November, Art. 7 para. 2 KVG). A premium rise as of 1 January is no exception: the end of November is already its deadline. ### Can the new health insurer reject me after I have cancelled? No. In basic insurance, every insurer must accept everyone who is required to take out insurance within its territorial area of operation, without a health assessment (Art. 5 let. i KVAG), and your cover continues without a gap when you switch. There is only one hurdle, with the old insurer: amounts you received a reminder for by 30 November must be paid, including debt collection costs, by 31 December (Art. 105l KVV). ### Does the sample letter also apply to my supplementary insurance? No. Supplementary insurance has its own deadlines: at most insurers, the cancellation must arrive by 30 September, and many products have minimum terms. Every supplementary health insurance can be cancelled at the end of the third year at the latest (revVVG Art. 35a, three months' notice, text form). Also, only cancel supplementary insurance once you have the new insurer's written confirmation of acceptance. ## Sources - [Fact sheet "Changing health insurer – information for insured persons" (PDF in German)](https://www.bag.admin.ch/dam/de/sd-web/92VbSMPCd--v/PG27-FB-Versichererwechsel_DE.pdf) – Federal Office of Public Health (FOPH), 29.09.2026 - [Federal Health Insurance Act (KVG), SR 832.10 – official text in German](https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/de) – Fedlex, Classified Compilation of Federal Legislation - [Health Insurance Ordinance (KVV), SR 832.102 – official text in German](https://www.fedlex.admin.ch/eli/cc/1995/3867_3867_3867/de) – Fedlex, Classified Compilation of Federal Legislation - [Insurance Contract Act (VVG), SR 221.229.1 – official text in German](https://www.fedlex.admin.ch/eli/cc/24/719_735_717/de) – Fedlex, Classified Compilation of Federal Legislation - [Taking out, changing and cancelling health insurance](https://www.ch.ch/en/health/health-insurance/health-insurance-taking-out--changing--cancelling/) – ch.ch, Confederation, cantons and communes