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Health insurance: how to cancel your mutual?

2022-12-26T08:13:25.845Z


Do you want to change health insurance? Change of situation, better offer, mandatory health insurance, etc. Many situations can n


In terms of cancellation of insurance, laws provide for a certain formalism to be observed.

Each year, your mutual contract is generally cancellable on its anniversary date.

You can therefore generally not cancel your health insurance at any time.

This is possible by sending a cancellation letter to your insurer.

However, certain situations allow you to cancel your complementary health insurance at any time.

So how do you cancel your health insurance and what are the terms and conditions?

We tell you everything.

Can you cancel your insurance at any time?

As a general rule, the termination of a mutual contract takes place on its anniversary date.

Nevertheless, the cancellation of your mutual is possible at any time beyond your first year of contribution.

This thanks to the law on the infra-annual termination of mutual health insurance which entered into force on December 1, 2020. This decree offers the possibility for French people to be able to request the termination of their health contract at any time after one year of commitment.

And this, without justification or penalty.

The only point to respect is the legal termination period once your request has been made.

This deadline is set out in the terms of your contract.

Do not hesitate to ask your organization for confirmation of this deadline.

Tip: this legal period is generally one month before which the termination is not effective.

If you take out a new contract, find out if a waiting period exists so that you can match the 2 deadlines.


I change health insurance


You have just taken out mutual insurance, can you cancel the contract before it begins?

You have just joined a mutual contract, but you wish to retract?

You have 14 days to give up your complementary health insurance.

To do this, you must send a letter of withdrawal to your complementary organization by registered letter with acknowledgment of receipt.

This process does not entail any penalty and you are not asked for a reason.

Be aware that some mutuals or insurers offer longer withdrawal periods of up to 1 month.

You have mutual insurance, can you change it and cancel it?

Certain situations make it possible to terminate your mutual before the end of the first year of the contract without proof or penalty. This termination of mutual after expiry must meet certain conditions:

  • Move

  • Marital change

  • Compulsory company mutual

  • Going to retire

In this case, you must send your mutual termination letter to your complementary organization, justifying your change of situation.

Where to send your mutual cancellation?

When requesting mutual termination after expiry or after expiry, the insured must send his request to his mutual organisation.

Termination is effected by means of a letter of termination sent by registered letter with acknowledgment of receipt.

You can also make your request by email or via your customer area.

The main thing is to request the termination of your contract via a durable medium.

If you cancel your mutual after your first year of contributions, you do not need to attach supporting documents.

Conversely, if you are in your first year of subscription, you must justify a change in situation.

What to remember if you want to terminate your mutual insurance contract

In order to cancel your mutual, there are 2 situations:

  • Terminate your mutual insurance the first year: this is only possible when there is a change in situation: move, marital change, membership in a compulsory company mutual insurance company, cancellation of the contract by the insurer or an unjustified rate increase.

  • Terminate your mutual insurance after the first year: the infra-annual law on mutual health grants the possibility of terminating your mutual insurance contract at any time and without supporting documents.

>> I click here to compare the best mutuals

Good to know: after your mutual termination, do you take out a new complementary health insurance?

In this case, it is possible to delegate the cancellation procedures to your new health insurer.

Here, it is the new mutual organization that takes care of all the termination procedures and allows you to benefit from health coverage without interruption or waiting period.

Source: leparis

All life articles on 2022-12-26

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