Cancelling a supplementary policy without falling into a trap
Supplementary policies don't follow the same rules as basic insurance: the insurer can refuse an application, and the deadlines are in your general terms.
Updated on 23.09.2026 · Official sources cited
The right order
- 1. Check the renewal date and notice period in your policy.
- 2. Apply to the new insurer and fill in the health questionnaire.
- 3. Wait for written acceptance, without unacceptable exclusions.
- 4. Only then, cancel the old contract.
Special cases
A premium increase generally gives an extraordinary right to cancel. After a claim, cancellation is also sometimes possible. Contracts concluded since 2022 can in principle be cancelled after three years.