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| For BASIC insurance :
- If you have a « franchise ordinaire » (ordinary deductible – i.e. 300.- for adults, 0.- for children) then you can change companies twice a year but only by giving a 3 month notice period. i.e. your insurance company must receive a registered letter by the 30th of March for the 1st of July or the 30th of September for the 1st of January.
- When you receive your new policy by the end of October (all companies have to send it to you by law by the 31st of October) then you have the right to change for the 1st of January as long as they receive the letter by the 30th of November. You can do this even if they haven’t changed the price or have reduced the price !
For COMPLEMENTARY/SUPPLEMENTARY insurance :
- You can only cancel this insurance once a year (for the end of the year)
- Most companies require 3 months notice i.e. they must receive the letter by the 30th of September, however some companies require 6 months and must receive the letter by the 30th of June. | |
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aparently, if you change jobs, you can eventually change complementary/basic insurance in between
if the new insurer sends a confirmation to the old insurer that they offer a special fee schedule to employees of your new company. Then, the old insurer could agree to let you go.
Although I was told that the "old" insurers hardly let you go and you have to wait till the end of the year and cancel before end Sept.
Based on my experience from today, reps of ns companies hardly tell you that this is possible or that it exists - you have to ask and push for like 10-15 min till they present you this option - just another example of customer unfriendliness and nothing out of the ordinary daily rules.
Otherwise, you can transfer the basic one (now is the time - till end Nov) and get a new basic insurance and continue with the old supplementary.