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Important deadlines

Below you’ll find information on important deadlines that apply if you want to change your deductible, switch to an alternative insurance model or – hopefully not – terminate your basic insurance.

Changing the annual deductible under your basic insurance

Requests to reduce your annual deductible must reach us by 30 November. Requests to increase your annual deductible must reach us by 31 December. Your annual deductible can only be changed with effect 1 January of the following year.

Did you know that you can change your deductible quickly and easily in the customer portal? You can sign up for the customer portal here.

Transferring to an alternative insurance model

You can transfer from the standard basic insurance model to an alternative model for basic insurance with effect from the beginning of any month. Transfers from one alternative insurance model to another are only possible with effect from 1 January of the following year. In this case, your request must reach us by 30 November.

You’ll find an overview of our alternative insurance models here.

Terminating your mandatory basic insurance (KVG/LAMal)

Basic insurance can be terminated up to and including 30 November. By law, customers can only switch to another insurer if they have paid all outstanding premiums and cost shares and have confirmation from the new insurer. Please note that the date Sanitas receives the correspondence applies, not the postmark.

Terminating your supplementary insurance (VVG/LCA)

The deadlines for terminating your supplementary insurance depend on your plan and are stipulated in the relevant general terms of insurance, supplementary terms or special terms. You are entitled to terminate your contract if a premium adjustment is announced for the following year. Here, too, the date that Sanitas receives the correspondence applies, not the postmark.

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