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Cancel AFFINITY HEALTH PLAN
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I hereby notify you of my decision to terminate the contract relating to the Affinity Health Plan service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Affinity Health Plan: Easy Method
What is Affinity Health Plan
Affinity Health Plan is a private health insurance provider offering supplemental health coverage, typically including benefits such as prescription drugs, dental, vision, and paramedical services. Policies and service delivery are administered according to the plan terms issued at enrollment.
In Canada, private plans like Affinity Health Plan operate alongside public provincial health insurance; they are regulated by provincial insurance authorities and must comply with federal privacy rules for handling personal information.
How to cancel Affinity Health Plan
- Review your policy documents and the cancellation clause to confirm notice requirements, effective dates, and any fees; note any minimum notice period or billing cycle alignment.
- Prepare a written cancellation request that includes your full name, policy or member number, contact details, date you'd like the cancellation to be effective, and a statement requesting confirmation of receipt and the effective cancellation date.
- Send the written notice via registered mail (raccomandata A/R) to ensure proof of receipt. Use the main booking/contact address: 60 Columbia Way, Suite 802, Markham, ON L3R 0C9, Canada. Keep copies of all correspondence and the registered-mail tracking/receipt.
- If the insurer accepts cancellations by phone or secure member portal, ask for a written confirmation reference number and follow up with a registered-mail letter to create a formal paper trail.
- Check for any final billing, outstanding claims, or documentation the insurer requires to finalize the cancellation and request a written statement of the account settlement and any refund or balance owing.
What happens when you cancel
When you cancel your Affinity Health Plan coverage, your access to benefits under that policy ends on the effective date of cancellation. Any claims incurred after that date are generally not covered unless specifically allowed by the contract. Existing claims submitted before the cancellation date will typically be processed according to the policy terms.
Automatic renewals will stop once the cancellation is effective, and you should receive a written confirmation of termination from the insurer. The insurer will retain member records for the period required by law or company policy; your personal and health information will continue to be protected under relevant privacy legislation.
Will I get a refund?
Refunds depend on the specific policy terms. Many policies provide a pro‑rata refund of unused premiums if you cancel mid-term, minus any administrative fees specified in the contract. However, if claims have already been paid for the coverage period, the insurer may offset those amounts against any refund or deny a refund if the policy contains such clauses.
Exceptions and timings vary: short-term or promotional plans may have no refunds, and some insurers apply a minimum earned premium. Expect processing times of several weeks; request a written account settlement and timeline in your cancellation letter.
Affinity Health Plan plans and pricing
| Plan | Coverage Summary | Typical Monthly Cost (CAD) |
|---|---|---|
| Basic | Varies | Varies |
| Standard | Varies | Varies |
| Comprehensive | Varies | Varies |
Your consumer rights in Canada
Consumer rights for private health insurance in Canada are largely governed by provincial insurance regulators and federal privacy law. You have the right to receive clear policy documents, to be informed of cancellation procedures and fees, and to receive timely written confirmation of cancellations and any refunds.
Your personal information is protected by the Personal Information Protection and Electronic Documents Act (PIPEDA) where it applies, and by provincial health information statutes in some provinces. If you believe your insurer has violated your privacy or denied a statutory right, you can file a complaint with the relevant provincial regulator or the Office of the Privacy Commissioner of Canada, and seek guidance from consumer protection agencies such as the Financial Consumer Agency of Canada (FCAC).
Customer experiences
Customers commonly report that cancellations are straightforward when they follow the insurer's written process and keep proof of delivery. Positive experiences include timely confirmations and pro‑rata refunds when applicable. Negative experiences often arise from unclear policy wording, delayed processing, or disputes over earned premiums and claim offsets.
To improve outcomes, many customers recommend documenting all communications, sending cancellation notices by registered mail (raccomandata A/R), and requesting a final written settlement statement from the insurer.
Documentation checklist
- Policy number and member information (full name, date of birth, contact details)
- Signed written cancellation request with desired effective date
- Copies of the policy document and any recent correspondence or billing statements
- Proof of registered-mail delivery (tracking number and receipt)
- Records of recent claims or outstanding invoices you want the insurer to consider
Common mistakes
Common mistakes include failing to follow the exact cancellation procedure in the policy (for example, sending an email when a signed letter is required), not sending the notice by registered mail and therefore having no proof of receipt, and missing notice periods that push cancellation into the next billing cycle. Another frequent error is not confirming whether automatic premium payments or payroll deductions will stop - this can lead to unexpected charges after the cancellation date.
Example: a member cancels by phone but does not obtain a written confirmation and later discovers their account was not closed; they then face additional monthly charges and must dispute them, which takes extra time and documentation.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online portal | Varies | Low |
| Phone | Varies | Medium |
| Registered mail (raccomandata A/R) | Varies | Low - Medium |
After cancelling
After cancellation, confirm receipt and the effective date in writing, reconcile any outstanding claims or premium refunds, and retain all records for at least one year or longer if required by provincial rules. If you need replacement coverage, arrange new insurance before the old policy ends if continuity is important for your dependents or ongoing treatments.
If you encounter problems, you can escalate to the insurer’s complaints department, then to your provincial insurance regulator or an ombudsperson. For privacy concerns, contact the Office of the Privacy Commissioner or your provincial privacy authority.
Helpful resources: Office of the Privacy Commissioner of Canada, Financial Consumer Agency of Canada (FCAC), Government of Canada - Insurance information, and Canada Post - Registered mail (A/R).
Address
Send cancellation letters via registered mail (raccomandata A/R) to:
Affinity Health Plan
60 Columbia Way, Suite 802
Markham, ON L3R 0C9
Canada