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Termination of supplementary or other insurance, in Italian (Switzerland)
Switzerland · in Italian · for consumers
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This document is in Italian
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For policyholders in Switzerland, in Italian: terminates a supplementary health insurance, a household, liability, legal-protection or other insurance under the Insurance Contract Act — ordinarily after three years with three months' notice (Art. 35a LCA/VVG), on the date the policy conditions allow, because of a premium increase, or for good cause (Art. 35b), else on the next possible date. Basic health insurance (LAMal/KVG) is terminated with a separate letter. Send it by registered post.
- Made for use in Switzerland
- Last updated November 4, 2026
Published byDocMuse
When to use this document
- You want to end a supplementary health policy with your insurer in Ticino, in Italian.
- The premium of your household insurance in Switzerland is going up and you want to change.
- You hold an insurance policy you no longer need and want to leave the contract.
- A new supplementary insurer has accepted you and you now want to cancel the old policy.
What you fill in
The details the document asks for.
- Insured
- Insured's address
- Insurer
- Insurer's address
- City
- Date
- Policy number
- Type of policy
- Date of termination
- Ground for terminating the insurance (in Italian)
- Reason for the notice (only for an important reason)
Common questions
- On which dates can a private insurance policy be ended under Swiss law?
- The Insurance Contract Act calls it withdrawal (recesso): ordinarily for the end of the third insurance year or any later year, with three months' notice, also for contracts made before 2022 (Art. 35a and 103a LCA/VVG). Earlier termination applies only if agreed, with the same periods for both sides (Art. 35a para. 2). On a premium increase the general conditions usually give a right to terminate for the date it applies. For good cause you may withdraw at any time (Art. 35b). The three-year rule does not apply to life insurance (Art. 35a para. 3).
- Is an e-mail a valid way to terminate an insurance policy in Ticino?
- Yes: besides writing, the Act accepts any form that allows proof by text (Art. 35a para. 1 LCA/VVG), so an e-mail or the customer portal will do. But you must prove that the notice arrived in time, at least three months before the end date. So registered post, sent with a few days to spare, is safer; keep a copy and the receipt. In Ticino the consumer association ACSI also offers its members a free model letter on private insurance.
- Can my health insurer end my supplementary cover, and can I withdraw from a policy I just signed?
- In supplementary health insurance only the policyholder has the ordinary right to withdraw (Art. 35a para. 4 LCA/VVG): the insurer can end the contract only in exceptional cases such as fraud, a breach of the duty to disclose or unpaid premiums, not because you change basic insurer. A new contract can be withdrawn from within fourteen days, in writing or text form, without reasons; posting it on the last day is enough (Art. 2a). Cancel supplementary cover only once new cover is confirmed.
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Related documents
- Termination of supplementary or other insurance, in German (Switzerland)
For policyholders in Switzerland, in German: terminates a supplementary health insurance, a household, liability, legal-protection or other insurance under the Insurance Contract Act — ordinarily after three years with three months' notice (Art. 35a VVG), on the date the policy conditions allow, because of a premium increase, or for an important reason, else on the next possible date. Basic health insurance (KVG) is terminated with a separate letter. Send it by registered post; the Act also accepts text form such as e-mail.
- Termination of supplementary or other insurance, in French (Switzerland)
For policyholders in Switzerland, in French: terminates a supplementary health insurance, a household, liability, legal-protection or other insurance under the Insurance Contract Act (LCA) — ordinarily after three years with three months' notice (Art. 35a LCA), on the date the policy conditions allow, because of a premium increase, or for good cause, else on the next possible date. Basic health insurance (LAMal) is terminated by a separate letter. Send it registered; the Act also accepts text form such as e-mail.
- Termination of supplementary or other insurance (Switzerland)
For policyholders in Switzerland: terminates a supplementary health, household, liability, legal-protection or other policy under the Insurance Contract Act (VVG) — ordinarily after three years with three months' notice (Art. 35a VVG), on the date the conditions allow, after a premium increase or for good cause (Art. 35b VVG), else on the next possible date. Basic health insurance needs a separate letter. Send it by registered post. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Change of basic health insurer, in Italian (Switzerland)
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