How-to 2026
How to cancel supplementary insurance
Different rules, different deadlines — and no guarantee of getting back in.
Supplementary cover is governed by private insurance law, which changes the calculation entirely.
The steps
-
Check your policy notice period
These vary by plan and are not the same as basic insurance.
-
Secure the replacement first
Acceptance is not guaranteed, and health questions apply.
-
Send the cancellation separately
Never combine it with a basic insurance cancellation.
The traps to avoid
Trap 01
Cancelling before acceptance
The single most costly mistake in this area.
Trap 02
Assuming the deadline matches basic insurance
They are unrelated regimes.
Common mistakes
- Cancelling both policies in one letter.
- Not keeping proof of delivery.
Frequently asked
Can I be refused supplementary cover?
Yes. Unlike basic insurance, insurers may decline or exclude conditions.
Want a second pair of eyes?
If any step above does not map cleanly onto your situation, that is usually the point worth a conversation.
Demo guide. General information only — confirm the current rules before acting.