The health insurance contract, whether it is a complementary health insurance or a mutual, is subscribed for a period of one year and is renewed automatically. However, it may happen that the insured wishes no longer to be attached to this contract and wishes to terminate it. Previously, he could only do this under certain conditions. With the implementation of the Hamon law on 1-12-2020, policyholders can terminate this type of contract at no additional cost.
How do I cancel health insurance?
The first thing to do is to notify your insurer in order to terminate your contract. To do this, several means are available to the insured. He can make an oral request at the head office or during a meeting with his advisor. The advisor can for his part suggest terminating the contract, during a video appointment or a phone call. He can also make a written request by letter, ideally by registered mail with acknowledgment of receipt, but this is not mandatory.
In this case, and even if no justification is required, the letter must be sent as soon as possible. As a general rule, termination is effective 30 days after receipt of the request by the insurer. If termination can be effected at any time, the Chatel law which came into force in 2008 requires insurers to contact policyholders as the anniversary date of the contract approaches. This notice of expiry is generally sent two months before this date. Be careful, however, because the termination of a health insurance contract without costs or penalties only concerns contracts taken out for at least one year.
What are the reasons that can justify a termination of a health insurance contract?
In the event of termination, the insured is not required to justify the reasons for this decision, in particular in the event of a cheaper offer noted with another insurer. However, policyholders must take this step if they are faced with certain specific situations. The insurer must be notified in the event of a move, change of profession, marriage or divorce, or upon retirement. This will allow him, if you wish, to offer you a new offer more suited to your new situation.
This possibility of terminating a health insurance contract at any time has also enabled insurers to offer more attractive rates. In order to save money, it is now recommended to use price comparators to take advantage of the best possible health offer.
(By the editorial staff of the agency hREF)
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