The cancellation takes effect on death
Membership of health insurance ends on the death of the insured person. The cancellation is not subject to the ordinary 30 November deadline: it is tied to the event and takes effect on the date of death, on presentation of the certificate.
It falls to relatives or the person in charge of the estate to inform the insurer, enclosing the official supporting document.
The documents to provide
Send the insurer, at its cancellation address, a letter stating the identity and insured number of the deceased, together with the death certificate. Indicate the address to which any later correspondence (statement, refund) should be sent.
Premiums paid in advance
Any premiums paid beyond the date of death give rise to a statement from the insurer. Keep the payment receipts to make the refund to the estate easier.
The procedure to follow
Gather the death certificate and the policy, write the cancellation letter, send it to the insurer's cancellation address and keep a copy. Our insurer directory states the address to use.
Frequently asked questions
Do I have to wait until 30 November to cancel after a death?
No. The cancellation takes effect on the date of death, on presentation of the certificate, at any time of the year.
Are premiums paid in advance refunded?
Premiums paid beyond the date of death are the subject of a statement from the insurer, refundable to the estate.