When can you cancel a health insurance policy?

As of December 1, 2020, it is now possible to terminate your mutual agreement at any time after the first year of subscription without fees or penalties. To compare mutual offers and obtain several offers for free, go here. (see this section).

This option is also available to members of contracts concluded for less than one year and are housed in special situations (direct access). The legal mentions are available online regarding the applicable laws and regulations.

Related reading : Everything You Need to Know About Car Insurance

In this article, we propose to find the procedure that must be followed to terminate your complementary health insurance, as well as templates for mutual termination so that this approach can be adopted as best as possible. Choosing complementary health insurance is not easy. Discover tips for choosing your mutuality.

Termination of mutual contracts over one year

From now on, each member has the option to terminate their complementary health contract at any time without fees or penalties once a full year has passed since their subscription. Mutual contracts over one year can be terminated at any time. This is called “infra-annual cancellation,” which is already available for car insurance, home insurance…

Whether it is a subscription to another complementary company, complementary or for any other reason (personal, professional…) you do not need to justify your reason for mutual termination.

Termination after the first period of mutuality: the contracts concerned

Whether it is an individual complementary health insurance or a joint mutual contract (mandatory for employees of a company), your contract must meet the following criteria:

Mandatory individual or collective agreements concluded at least one year before the termination request
Contracts in effect as of December 1, 2020
Contracts to cover health risks (costs caused by illness, maternity, or accident)
Contracts aimed at covering other limited risks listed (risks of death, inability to work or disability, assistance guarantees, legal protection, civil liability, birth or hospitalization benefits). For these risks to be taken into account, they must be grouped here in the contract with health risks. Therefore, if they are covered independently of health risks, the possibility of terminating the contract will not be offered at any time and without reason.

How can I cancel your complementary health insurance after one year of contract?

The termination conditions of a mutual agreement differ from those of mandatory collective and individual contracts regarding contracts. In the latter case, it should be distinguished whether you wish to subscribe to a new complementary health insurance or not.

For mandatory collective agreements (signed by companies for their employees): upon leaving, the employer must terminate the contract if the employee does not want to comply with the mutual agreement or if they do not meet the conditions.

For individual contracts: There are two situations, depending on whether you wish to modify or not subscribe to a new contract.

In the case of a new mutual health subscription: Your new addition will lead to the termination of the contract with your previous supplement
If there is no subscription to a new mutual health insurance: The termination notice must be sent to the mutual party that terminates the contract within one month and return the overpaid contributions.

It is advisable to send the request by registered mail with acknowledgment of receipt. Nevertheless, it is now possible to use different means of transmission: by letter, declaration at the head office or to the insurer’s representative, extrajudicial act, remote communication method, if it was used for the conclusion of the contract, and finally to all other means provided for the contract.

Mutual termination letter: template sent to your insurer

To assist you in your process, we suggest the following is a template mutual termination letter:

Your first name and last name Your address Your phone Insured No. Your contract number

Name and address of your mutuality

Subject: Request for cancellation of my mutual health agreement

In (your municipality), on (date)

Madam, Sir,

I would like to use this letter to inform you of my intention to terminate my mutual agreement (contract number), which will expire on (anniversary of your contract).

In accordance with the provisions of decree-law No. 2020-1438 of November 24, 2020, relating to the right to terminate complementary health contracts free of charge, law No. 2019-733 of July 14, 2019, on the right to termination without charge for supplementary health contracts, I would be grateful if you could terminate my mutual agreement on (date) and provide me with confirmation by mail.

Please accept my best regards, Madam, Sir.

Signature

There are many mutual offers, and it is not always easy to find your way. To facilitate the choice, we recommend consulting a comparison of offers at the end of the article.

Contract concluded less than a year before the termination request

To legally terminate a contract signed less than a year ago Several reasons may allow you to cancel before a year of contract, it is necessary to be in one of the special cases provided by law or by the Membership Agreement.

Modification of the mutual agreement before a contractual year: valid reasons

In addition to the cases provided in the contract, the law provides several valid grounds for terminating your complementary health insurance:

Change of residence
Change of marital status (marriage, divorce, death of spouse…)
Change of profession
Provision of professional retirement or permanent cessation of professional activity

These reasons may vary depending on the contract, so it is necessary to refer to the terms of the contract with your signed Investment Fund (if you do not own them, simply send a request for submission to your mutuality).

Mutual contract of less than one year: justify your termination request

If you find yourself in one of the situations provided by law or by mutual agreement, you must demonstrate that the occurrence of this event modifies the risk guaranteed by the insurer so that you can terminate your contract. Given that the object of the contract is the guarantee of risks related to your previous situation, it no longer corresponds to your current situation.

It is therefore necessary to indicate in the letter the nature and date of the event, as well as any evidence justifying that the termination is related to the event.

Here, the termination of the contract can only be requested within three months following the date of the event. The cancellation will take effect one month after your insurer receives your termination notice.

Again, it may be preferable to send the mutual notice by registered letter with acknowledgment of receipt. However, you can also choose the solutions listed here.

Email regarding mutual termination: template letter for your company

If you are affected by mutual termination before a year of contract, you can use the following template letter.

Here is a template for a mutual termination letter:

Your first name and last name Your address Your phone Insured No. Your contract number

Name and address of your mutuality

Subject: Request for cancellation of my mutual health agreement

In (your municipality), on (date)

Madam, Sir,

I would like to use this letter to inform you of my intention to terminate my mutual agreement (contract number), which will expire on (anniversary of your contract).

In accordance with the provisions of Article L113-16 of the Insurance Code, decree No. 2020-1438 of November 24, 2020, relating to the right to terminate complementary health contracts free of charge, which came into effect with law No. 2019-733 of July 14, 2019, on the right to free termination for supplementary health contracts, I would be grateful if you could proceed with the termination of my mutual agreement on (date) and provide me with confirmation by mail.

Indeed, a change has occurred in my situation (specify the change and the date).

The attached documents justifying my change of situation are in the annexes.

Please accept my best regards, Madam, Sir.

Signature

You obtain CSS: how do you change each other?

If you are a new beneficiary of the Health Solidarity Supplement, you must subscribe to a mutual agreement approved by these devices (see the list). You can change investment funds regardless of the duration of your current contract (more or less than a year).

How to change complementary health insurance in favor of CSS?

If your mutual fund is part of the funds accredited by CSS, you must keep your organization. In this case, you will need to request to change your contract to “Complementary Solidarity Guarantee for Health.”

If your current insurance is not part of the list of approved mutual funds, you will need to cancel your contract after subscribing to an authorized entity that you will find in a mutual comparison by clicking here.

No fees will be charged for the cancellation of your complementary health contract. Also note that if you have paid your premiums in advance, your insurer will have to reimburse you for the months during which you will no longer be charged by your old insured contracts.

Mutual termination template to obtain CSS

If you have just been granted a right to CSS, the termination letter sent to your current insurer must be accompanied by proof of signing an eligible contract. In this way, you can cancel your contract at any time.

Please note that it is important to send this email in registered form with acknowledgment of receipt to track your approach in case of dispute with your insurer.

Here is a template email for mutual termination if you benefit from CSS:

Your first name and last name Your address Your phone

Insured No. Your contract number

Name and address of your mutuality

Subject: Request for cancellation of my Mutual Health Agreement

In (your congregation), (date)

Madam, Sir,

I would like to inform you by this letter that I wish to terminate my mutual health contract with the number (your contract number) that I have held since (start date of your contract).

My termination request is motivated by the fact that I benefit from complementary health solidarity on the day of (specify the date of the start of your affiliation). You will find attached the documents justifying my cancellation request.

Please accept my best regards, Madam, Sir.

Signature

Mutual change for a complementary health care company

Since January 1, 2016, every company is required to offer its employees an investment fund for which the employer pays at least 50% of its costs. This complementary health care company is mandatory for workers, which means that the existing mutual insurance contract will be terminated in case of employment.

Making a mutual change in favor of a complementary company

If you need to terminate your mutual consent to the registration of a mandatory health supplement, you are not required to wait for the anniversary date of your contract. You can do this at any time by sending a registered letter to your current insurance company once you have joined the joint company.

In this case, you will not need to note that the cancellation will take effect on the day of receipt of the mail by your insurer. It is important to send it as soon as possible.

To summarize the termination of your mutual agreement for an additional event related to health obligation:

You can terminate your investment fund once you have joined the new contract: the membership form for the joint company must be attached to your mail
You will not have to take note of your previous mutuality

Also note that your insurer will have to reimburse you for the months for which you are no longer covered if you have paid your mutual contributions in advance.

In some cases, you may also use the rejection of mutual companies. In this case, you must complete a mandatory mutual waiver.

Publish when terminating mutual for a complementary company

To inform your current insurer of your membership in the mandatory mutual insurance, you must send them a registered letter with acknowledgment of receipt accompanied by a document confirming your membership in the supported collective health insurance contract.

Template letter for mutual termination:

Your first name and last name Your address Your phone

Insured No. Your contract number

Name of your mutuality Address of your mutuality

Subject: Request for termination of my mutual insurance contract for mandatory membership

In (your municipality), on (date)

Madam, Sir,

My employer, who has concluded a contract, provides conventional and mandatory collective health insurance, I am obliged to terminate my mutual agreement (contract number), which ends on (anniversary of your contract).

I am attaching to this letter the certificate from my employer indicating this obligation, which states the date of membership in this collective insurance.

I would also like to thank you in advance for the reimbursement of the portion of the contributions that have already been paid for the period following my cancellation.

Please accept my best regards, Madam, Sir.

Signature

To deepen your research, you can use the principle of excess and mutual portability.

If you wish to cancel your Mutual Health Flow for a new addition, it is advisable to compare existing offers to decide on the contract that best meets your needs.

To this end, we offer you a mutual comparator, through which you will find the complementary health insurance that matches your profile. Note that the following simulator is an external service for Aide-Sociale.fr.

❓ Can you cancel your mutuality at any time?

If your contract has been subscribed for more than a year, you can cancel your mutual agreement at any time Read more

📆 My mutual contract is less than a year, can I cancel my contract?

Certain legal situations allow you to terminate your mutual contract of less than a year:

Marriage, divorce, or death
Retirement
learn more

📰 I am a new beneficiary of CSS, how can I change my mutuality?

You can change each other if your current mutuality is not eligible for CSS. Learn more