- Price
- CHF 11.95incl. VAT, 2 pages included
- Delivery time
- Next business dayusually, after handover to the post
- Proof
- Recipient's signature+ tracking and proof of posting
- Handed to the post
- Upload by 12:00Central European Time on a business day, posted the same day
- Counts as
- Domestic registered mailprinted and posted in Switzerland
Does the cancellation have to go by registered mail?
No. The law sets no method of sending. What counts is the day your insurer receives the letter, not the postmark.
The Federal Office of Public Health (BAG) recommends a written cancellation by registered mail (Einschreiben) or A-Post Plus. With registered mail, the insurer signs for the letter. If it later says nothing arrived, you have dated proof.
If your insurer accepts cancellations in its customer portal, that is valid too. Ask for written confirmation.
Which deadlines apply for 2027?
| Cancel basic insurance | Must reach the insurer on Monday 30 November 2026 |
|---|---|
| Lower deductible, or leaving an HMO, family doctor or Telmed model | In writing by 30 November 2026 |
| Higher deductible | In writing by 31 December 2026 |
| New basic insurance starts | 1 January 2027 |
| Supplementary insurance | As set in your policy terms |
Upload the cancellation by 12:00 on Thursday 26 November at the latest. It is then delivered on Friday, and Monday is left as a reserve.
How to switch insurer
- Sign up with the new insurerIt must accept you for basic insurance without health questions.
- Write the cancellationUse the sample below, for each insured person.
- Upload the PDFWe print in Switzerland and Swiss Post delivers against a signature.
- Keep the proofKeep the tracking number and proof PDF until the insurer confirms.
Sample letter
In German, which every Swiss insurer reads. Add one line per insured person.
Vorname Name, Strasse Nr., Postleitzahl Ort
Versichertennummer: …
Kündigung der obligatorischen Krankenpflegeversicherung
Sehr geehrte Damen und Herren
Hiermit kündige ich meine obligatorische Krankenpflegeversicherung (Grundversicherung) auf den 31. Dezember 2026. Meine Zusatzversicherungen bleiben bestehen.
Bitte bestätigen Sie mir die Kündigung schriftlich.
Freundliche Grüsse
[Ort, Datum, Unterschrift]
What to settle before you send
- Pay overdue premiums and cost shares. Arrears with a reminder by 30 November that are still unpaid on 31 December block the switch.
- Cancel a supplementary policy only after a new one is confirmed in writing. For supplementary cover, an insurer may ask health questions.
- Sign up with the new insurer in time. The old cover only ends when the new insurer reports the switch.
Frequently asked questions
Do I have to cancel Swiss health insurance by registered mail?
No. The law sets no method of sending. The BAG recommends registered mail because it records sending and delivery.
When must the cancellation arrive?
For a switch on 1 January 2027, by Monday 30 November 2026. What counts is receipt by the insurer, not the postmark.
Can I cancel by email or in the customer portal?
If your insurer accepts that, yes. Ask for written confirmation so you can prove receipt.
Do I have to cancel my supplementary insurance too?
No. You can keep it with your old insurer. Only cancel it once a new supplementary policy is confirmed in writing.
What if the new insurer does not report the switch?
The old cover ends only when the new insurer reports the switch. If it fails to, it compensates you, for example for the difference in premium.
Is a printed signature enough?
As a rule, yes: the law sets no special form for this cancellation. You place your signature on the letter when you upload it and it is printed with the letter. If your insurer asks for something else, its documents say so.