Deadline: November 30 by registered mail
To cancel your basic LAMal and switch insurer for the following January 1, your cancellation letter must reach your current insurer by November 30 at the latest. Not the postmark — the receipt date. Send registered mail at least 5-7 days before, ideally between November 10 and 20. Keep the registered-mail receipt as proof. No justification required.
Mandatory content of the cancellation letter
Three required items: (1) full personal details + policy number, (2) explicit "I hereby cancel my basic LAMal insurance effective December 31" wording, (3) date + handwritten signature. Polia generates the PDF after a comparison.
Special cases: premium hike or new model
If your insurer notifies a premium hike above the OFSP suggested benchmark, you get an extended cancellation period until the last day of the month after notification. LCA supplementary contracts may have different timeline.
Common pitfalls to avoid
Pitfall 1: regular mail (no proof of delivery). Pitfall 2: forgetting LCA cancellation (separate timeline). Pitfall 3: cancelling without a new contract signed. Pitfall 4: cancelling without comparing.
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