Notice periods for supplementary insurance
In the case of ordinary cancellation of supplementary insurance, the notice period is usually three months. Supplementary insurance can be cancelled effective at the end of the year without providing a reason, subject to compliance with the notice period and after the minimum contract term has expired. In contrast to basic health insurance, the notice periods and conditions are set by the health insurance funds themselves for supplementary insurance. This means that, depending on the insurer, different provisions may apply.
Extraordinary cancellation of supplementary insurance is possible in the case of a premium increase, a claim or when relocating abroad. The extraordinary right of cancellation can be exercised only in these three cases. In addition, the corresponding notice periods must be observed, and the reason for cancellation must be indicated for extraordinary cancellation.
Switching supplementary insurance
There are some important points to consider when switching supplementary insurance:
- Wait to cancel existing supplementary insurance until you have received written confirmation of acceptance from the new insurer. The acceptance criteria of supplementary insurance providers are sometimes very strict. It is always possible that the new provider will refuse to accept you due to your current health condition or for other reasons. In the case of supplementary insurance, the health insurer is at liberty to refuse you without providing reasons.
- Prior to switching, compare the conditions and benefits of the various supplementary insurance products. Our free comparison of supplementary insurance products can help you with this.
- Before you switch to a new supplementary insurance, you will have to complete a health questionnaire at the new health insurance fund. Never provide false information on the health questionnaire.
- Make sure that the minimum contract term for the new supplementary insurance is only one year.