cancellation Sanitas: Easy Method

What is Sanitas

Overview

Sanitas is a Swiss health insurance provider offering mandatory basic insurance and a range of supplementary plans, plus a customer app and online portal for policy management.

The company operates on annual contracts for basic cover (calendar-year basis) and manages subscriptions, renewals and customer service from its Swiss headquarters.

Services covered

Sanitas provides basic health insurance (subject to Swiss statutory rules) and supplementary policies for additional cover, together with digital tools such as the Mi Sanitas app for customers.

This guide focuses on cancellation and related practical steps; it does not replace your insurance policy wording or legal advice.

How to cancel Sanitas

When to cancel

Basic insurance runs January 1 - December 31 and auto-renews annually unless cancelled in time.

Key statutory deadlines: cancel basic insurance by November 30 (or the last working day of November). Supplementary insurance requires notice by September 30.

How to submit notice

• Preferred (fastest): Log in to the Sanitas customer portal and send a termination message or use the termination form.
• Alternative methods: Send a signed written notice by post or by e-mail to Sanitas' official contact channels.
• Include in your notice: full name, customer number, policy number, requested termination date and a clear signature (or authenticated portal message).
• Mid-year termination: For certain plans (for example deductible CHF 300 plans) a mid-year termination is possible if the written notice is received by March 31.
• Exceptions allowing cancellation outside normal deadlines include moving abroad or death; provide supporting evidence in those cases.
• Note: the date Sanitas receives the termination counts (receipt), not the postmark date.

What happens when you cancel

Coverage end and access

If you cancel correctly by the statutory deadline, basic coverage normally ends on December 31 of the current year, and no automatic renewal takes place for the next year.

Your access to the customer portal and app typically remains until your policy end date so you can download documents and view claims history.

Records and administrative steps

Sanitas will process the termination and send confirmation of receipt and the contract end date; keep that confirmation for your records.

If you are moving abroad, provide proof to ensure correct termination handling and possible deregistration where applicable.

Will I get a refund?

Policy on refunds

Public sources for Sanitas do not describe automatic premium refunds or a 14‑day cooling‑off period for Swiss statutory basic insurance.

Refunds are therefore not guaranteed by publicly available information; the statutory termination dates govern cancellations and premium obligations.

Exceptions and claim-related refunds

• If you have overpaid or there is a pro‑rata premium issue after termination, contact Sanitas to request a reconciliation and possible refund.
• Special exceptions (e.g., moving abroad, death) may change the premium liability; provide supporting documents to request any adjustment.

Sanitas plans and pricing

Pricing summary

No publicly available AED pricing for Sanitas products in the UAE was found for 2024/2025.

The Mi Sanitas app is free to download; other plan prices are not published for the UAE market and must be requested from Sanitas.

Your consumer rights in United Arab Emirates

General consumer protections

If you are resident in the UAE, your consumer rights are governed by UAE laws and regulators; contractual terms remain important and enforceable where applicable.

For general consumer guidance in the UAE consult the official UAE portal or the Ministry of Economy consumer protection resources.

How to escalate a dispute

• First contact Sanitas through the official customer service channels and request written confirmation of their position.
• If unresolved, you can escalate to UAE consumer protection bodies or the relevant health authority for your emirate (for guidance see the UAE official sites linked below).
• Keep all correspondence, receipts and copies of your policy and termination notices to support any complaint.

Customer experiences

Reported negative experiences

Public reviews (notably for other Sanitas brands in different markets) report customer service issues, difficulty canceling policies, delays or denied claims, and problems with auto‑renewals.

Some reviewers mention limited English support and poor app or portal functionality as sources of frustration.

Reported positive or neutral points

Some customers appreciate the availability of a customer portal and the free Mi Sanitas app for managing claims and documents.

As experiences vary by market and product, check current user feedback and confirm service levels directly with Sanitas for UAE-related queries.

Documentation checklist

What to include in your termination notice

• Full name as on the policy
• Customer / policy number
• Clear statement of intent to terminate and desired termination date
• Signature (or authenticated portal message)
• Supporting documents for exceptions: proof of move abroad, death certificate, or other relevant evidence

How to send and retain proof

• Send via the Sanitas customer portal for fastest processing and immediate receipt evidence.
• If sending by post or e-mail, retain proof of dispatch and request a written receipt from Sanitas.
• Keep copies of all correspondence and confirmation messages for at least one year after termination.

Common mistakes

Missing statutory deadlines

One common mistake is missing the statutory cancellation deadline (e.g., November 30 for basic insurance), which results in automatic renewal for the next year.

Check the exact last working day of November each year to avoid late notices.

Incomplete or unsigned notices

Sending notices without required policy identifiers, a clear signature or without using an accepted channel delays processing and may be treated as invalid.

Also ensure the notice reaches Sanitas (receipt) rather than relying on the postmark date.

Comparative recap

Quick feature comparison

After cancelling

Immediate next steps

• Confirm you have written confirmation of receipt and the contract end date from Sanitas.
• Arrange replacement cover if you still need health insurance in the UAE to avoid gaps in cover.
• Download or print your policy documents and claims history from the portal before access ends.

Helpful official links

• Sanitas - Private customers (official)
• UAE Government Official Portal
• UAE Ministry of Economy (consumer protection)
• Dubai Health Authority (if applicable)
• Department of Health - Abu Dhabi (if applicable)

Address

Sanitas headquarters

Sanitas Hauptsitz Jägergasse 3 Postfach 8004 Zürich

Contact methods

Use the Sanitas customer portal for the fastest handling of cancellation requests, or refer to the official Sanitas contact page linked above for postal addresses and official e-mail channels.