Changing health insurance is important when the stipulated contract no longer meets your needs. However, the operation must be carried out in compliance with the relevant texts. The notice or minimum duration of the commitment must be taken into account. The procedures and regulations to be observed in this context are explained in this article.
The decision of mutual exchange Health can be motivated by various reasons. Some choose the change to be able to access a formula that better covers their expectations. For others, it’s for cost reasons. The process remains simple, but precise formalities must be followed. Upstream, don’t forget to use an insurance comparator to validate your choice. The first step will be the termination of the current contract. Registration for the new health insurance will be possible after canceling the previous one. It is also useful to check the termination conditions before starting the procedure. They often mention the length of the commitment to meet.
Why should you change your health insurance?
Sometimes it is necessary mutual exchange in order to save money and benefit from better protection. This change can be beneficial with age and for health reasons. It is evident that the needs are different for a young man and for another less vigorous.
Finding a contract can be helpful after the discovery of a new condition, or a proven risk for a disease. In other cases, it may be a matter of a change in the personal (marriage, moving house) or professional (unemployment, retirement) situation of the insured person.
Price is another parameter that can justify a mortgage change. It happens that for the same coverage, an insurer is more attractive than its competitors. A customer also has the right to cancel his insurance to change it when your insurer decides to review your rates.
When is it possible to change the health insurance contract?
By subscribing to supplementary health insurance, the policyholder undertakes for one year. The change of mutual insurance is only possible at the end of this period.
After 12 months, the contract can be terminated at any time, free of charge and without conditions.. It is possible to terminate the contract before the end of this commitment period for some exceptions related to a change in your personal situation:
- a wedding ;
- a birth;
- in movement ;
- a new job that requires different coverage.
In this case, you will need to provide proof.
From 2020, an insured person can cancel his health insurance without waiting for the receipt of the communication of expiry sent by the insurer. This reform was introduced by the law on interim termination adopted on 14 July 2019 and entered into force on 1 December 2020.
Find your new complementary health insurance thanks to the mutualistic comparator
Apart from the rate, the general conditions and reimbursement methods are sometimes different depending on the insurance company. Also, the choice should not be made at random and in a hurry. First, you need to get acquainted with the existing offers and compare them. An online health reciprocal comparator makes this switch quick and easy. The offers that meet the needs and criteria entered will be presented in a few clicks, with the information concerning them.
Cancel your current health insurance contract
The termination of to contract must be made upon request. A registered letter with acknowledgment of receipt it must then be sent to the insurer. Receipt of this letter by the insurance company puts an end to direct debit and monthly telebroadcasting. You won’t need to ask them to stop.
Before taking this step, it is important to check the length of notice required by the insurer. This is specified in the general conditions of the contract. The expiration notice also indicates the deadline for terminating the contract. It is delivered to the insured no later than 15 days before the expiry of the notice. The request is processed within fifteen days following receipt of the notice of forfeiture.
This content was produced in collaboration with lecomparateurassurance.com. No members of the BFMTV editorial team participated in the production of this content.
