Cancel Sanitas: Easy Method

What is Sanitas

Overview

Sanitas is a Swiss health insurer offering basic and supplementary health insurance products in Switzerland and related digital services.

It also provides customer portals and the Mi Sanitas app for policy management; however, Sanitas does not operate as a New Zealand-based insurer.

Scope and limits for New Zealand residents

Sanitas policies and cancellation rules are governed by its Swiss terms and processes rather than New Zealand insurance rules.

There is no separate Sanitas postal address or local operation in New Zealand; cancellations are handled via the insurer's main contact channels.

How to cancel Sanitas

When you can cancel

• Basic (Swiss) health insurance: official notice deadlines apply - by 30 November for termination effective 1 January.
• Mid-year termination: possible by 31 March for a 1 July termination only if narrowly defined conditions are met.
• Early termination: allowed only in specific cases such as moving abroad or death (documented proof required).

Step-by-step cancellation process

• Prepare a written termination request (letter or email). Phone cancellations are not accepted.
• Include the policy number, desired termination date, and reason (if applicable, e.g. moving abroad).
• All adult insured persons must sign the termination in handwriting where required.
• Send the termination via Sanitas portal or to the general contact email: [email protected].
• If you hold supplementary insurance, arrange a separate termination once you have written confirmation of admission from your new insurer.

What happens when you cancel

Confirmation and effective date

Sanitas should confirm receipt of your written termination and state the effective end date of cover in writing.

You remain liable for premiums until the stated termination date unless an exception (e.g., moving abroad) applies and is accepted.

Access, renewals and data

Access to online services and the Mi Sanitas app will typically continue until the policy end date.

Sanitas will retain and process policy and cancellation records per its standard data practices; request confirmation of any personal-data handling in the cancellation reply.

Will I get a refund?

General refund position

Sanitas does not publish a general 14-day cooling-off refund right for its health insurance products.

Refunds are not guaranteed and depend on the insurer's terms and the specific circumstances of termination.

Exceptions and actions to request refund

• If you overpaid premiums up to the effective termination date, ask Sanitas for a pro rata refund in writing.
• Supplementary-insurance refunds may be subject to different deadlines and conditions; only cancel supplementary cover after getting admission confirmation from a new insurer.
• If you believe you are entitled to a refund but the insurer refuses, consider contacting your bank (chargeback) or seeking advice from New Zealand consumer authorities.

Sanitas plans and pricing

Available plan types

Sanitas offers basic Swiss mandatory health insurance and various supplementary insurance products; digital services such as Mi Sanitas are available as apps/portals.

There is no public listing of New Zealand-specific plan prices or NZD rates for 2024/2025.

Pricing summary

Your consumer rights in New Zealand

General guidance

Because Sanitas is not a New Zealand insurer, New Zealand statutory "cooling-off" practices may not apply to Sanitas policies issued under Swiss law.

There is no explicit statutory right found that guarantees a 14-day refund for Sanitas health insurance.

Where to get help and what to check

• Check the written contract and Sanitas confirmation for any specified cancellation or refund rights.
• For local guidance, consider contacting New Zealand authorities such as the Financial Markets Authority (FMA) or the Commerce Commission (Commerce Commission).
• If you paid by credit card from New Zealand, your card issuer may be able to advise on dispute or chargeback options.

Customer experiences

Positive reports

Some expat reviews praise helpful English-speaking agents and attentive service from specific representatives.

Other reviewers note satisfactory service for expats in particular cases when communication is clear.

Negative reports

Multiple reviewers describe difficulty cancelling policies, long delays, and poor or slow customer service in English.

Complaints include bureaucratic delays for reimbursements, automatic renewals after leaving the country, and problems using the app or booking services.

Documentation checklist

What to include in your cancellation

• Policy number(s) and full name(s) of insured person(s).
• Clear termination date requested and reason (e.g., moving abroad with documentation).
• Handwritten signatures of all adult insured persons when required.
• Contact email and postal address for confirmation and any refund.

Supporting documents

• Proof of moving abroad (e.g., visa, flight, new address) if terminating early for relocation.
• Written confirmation of admission from a new insurer before terminating supplementary cover.
• Copies of recent premium payments if requesting a refund or adjustment.

Common mistakes

Missing formal requirements

Attempting to cancel by phone is a frequent error; Sanitas requires written notice and typically handwritten signatures.

Failing to include signatures from all adult insured persons can invalidate a termination request.

Timing and documentation errors

Sending termination after official deadlines (30 November for year-end) leads to automatic renewal for the next period.

Terminating supplementary insurance before receiving written admission from a new insurer can leave you without cover; do not cancel supplementary policies prematurely.

Comparative recap

Quick feature comparison

After cancelling

Follow-up actions

• Keep the written confirmation of cancellation and notes of any conversations.
• Check that your banking/credit card payments stop on the effective termination date.
• If you need ongoing cover in New Zealand, arrange replacement insurance before the Sanitas termination becomes effective.

Helpful links

• Sanitas important information
• Sanitas cancellation information
• Sanitas contact email: [email protected]
• Financial Markets Authority (New Zealand)
• Commerce Commission (New Zealand)

Address

New Zealand presence

Sanitas does not have a registered office or postal address in New Zealand.

All cancellation communications should be sent via the Sanitas portal or to the general contact email.

Sanitas contact

Email: [email protected]

Website and portal: https://www.sanitas.com