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Cancellation deadline

In the event of a premium increase, should it be only of 5 cents, the insurance companies should in theory warn you at least two months in advance (before October 31st, 2005) and inform you of your right to change insurers.

Since the insurance is obligatory, your former insurance company will require that you send a certificate before December 31st, 2005, certifying you are affiliated to another insurance company as of January 1st, 2006 (This certificate should be sent in theory by your new insurance company).

 
Please note these deadlines:

Three months period before the end of the six-month period (June 30th and December 31st) if you only subscribed to a minimal insurance deductible (0 SFrs. for children, 300 SFrs. over 19 years old).

Three months period before the end of the year (December 31st) if you subscribed to an optional insurance deductible (100 SFrs. or more for children, 400 SFrs. or more over 19 years old), or if you subscribed to a HMO-style insurance, health network or with bonuses.

But remember !

  
All this information is only valid with the obligatory health insurance

The complementary insurances are ruled by another law, much more flexible but definitely less attractive for the policy-holder. The cancellation deadlines are often longer (up to 6 months) and, above all, premiums can vary according to the age, sex and health condition.

Therefore, if you only subscribed to a compulsory health insurance, you can change every year, even every six-month period, without risk. But if you also subscribed to a complementary insurance, get some thorough information before cancelling it (reservations).

However, note that you should be able to subscribe to the obligatory insurance with an insurance company, and to complementary insurances with another one (although some claim that jurisprudence is necessary to prove this legally).

A good tip:
do not wait for the possible increases or for the end of the year to change companies, 
you can avoid many worries !

Latest cancellation deadline for complementary services
of some insurance companies: June 30th...!

Contact us to ask for a comparative offer in order to change insurance companies before the deadlines and without any worry. This service is provided free of charge !...