FAQ – Frequently asked questions

Our answers to the most frequently asked questions

You can find here the answers to our insured members’ most frequently asked questions.
Simply click on your subject of interest.


Since you did not terminate your coverage with your former insurance company, we will automatically receive this information from them. We will cancel your compulsory health insurance for the current year and send you a form allowing you to reactivate your contract at a later date. 
Please send a letter of termination to your former company, which will confirm the effective date of termination. This date must then be specified on the form sent to us. 

This procedure is possible provided that the supplemental insurance policies you have taken out with Groupe Mutuel provide the same benefits as the supplemental health insurance plans with your other health insurer.
If this is the case, you will have to ask your other health insurance company for an additional certificate of insurance. This document must mention the insurance branches and the dates of signature.
If all these conditions are met, send us the certificate indicating whether you wish to postpone the effective date of the contract or terminate coverage.

To be able to terminate your compulsory health insurance, you must have paid your premiums in full, as well as any cost-sharing amounts (deductible and co-insurance), including any fees and interest.
The amounts due must be paid before the effective date of termination.                                             

You can terminate your compulsory health insurance if you apply in writing, date and sign the letter and send it to us by registered post.
Termination requests can also be accepted as a signed fax or e-mail, as long as they contain a signed PDF. 
If the termination request concerns several insured persons, each insured person over the age of 18 must sign it.
The notice period for receiving your termination is three months and one month after the new premiums have been announced.  All requests must reach us at the latest by the last working day of the month concerned.    
The date of acceptance of your termination will depend on your insurance model and deductible (see next question).
Your termination will be effective
- upon receipt of a certificate from your new insurer
- providing that all premiums and cost-sharing amounts due have been paid in full.    

Insurance with free choice of doctor and statutory deductible (CHF 300 for adults/no deductible for children):
Termination is possible for the end of a six-month period of a calendar year. 
The termination request must be sent to the insurer in writing and by registered mail, subject to three months’ notice, either by the end of March for termination on 30 June, or by the end of September for termination on 31 December. Termination requests can be accepted as a signed fax or email, as long as they contain a signed PDF. 
If the termination request concerns several insured persons, each insured person over the age of 18 must sign it.

When the new premiums are announced, the notice period is reduced to one month, i.e. the end of November for 31 December. 
If the last day of the month of notice falls on a holiday or weekend, please ensure that we receive your request no later than the last working day of the month concerned. 

Our current General Terms and Conditions for Supplemental Health and Accident Insurance (CGC) specify the notice period for most of our insurance products.
Pursuant to Article 13 CGC, termination is generally possible after five years of insurance, by the end of a calendar year and with six months' notice.  
However, in view of a change in the Law on Insurance Contracts (LCA/VVG), we wish to inform you that we have anticipated this change to your advantage: the minimum duration of your new supplemental health insurance will be three years instead of five, and the notice period for termination of the contract will continue to apply until the change in the LCA/VVG comes into force. 
Some insurance products provide for different admission terms or notice periods. Where applicable, this information can be found in the special terms and conditions of the relevant insurance products.

Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111