Termination Chatel law, a method of termination without fault

Previously, many members were struggling to terminate their contract of mutual or complementary health. This park some insurers were always a good excuse for refusing their request. Most often, they give you an excuse like "it's too late to cancel your contract because the deadline for cancellation has already been exceeded." But since the law took effect castle, the members are much better protected.

An information obligation on the part of insurers

The law defines castle since its establishment the conditions and time, particularly in terms of the obligation for insurers to inform their members of their right to terminate their contract. This information must be sent by registered mail with return receipt to the insured, no later than 15 days before the date of termination. This will give the time required to send to the insured's request to cancel each other in the timeframe set by the insurer (see conditions in your contract terminations).

But some insurers are smart enough, and date the letter in advance in order not to send at a time when the insured can no longer cancel in time. Again, the law protects you châtel because in her view, only the postmark will prevail on the actual date of dispatch of the letter. So a good tip: Keep the envelope on which there will be proof that your insurance does have exceeded the limit of 15 days before the closing date of termination. If this is proven, you have 20 days to cancel your contract, and that from the actual date of dispatch of the letter.

Besides this, we must also remain vigilant whenever you receive a letter from his insurer, because the information sought is often found at the bottom of page in small print. In the event that the insurer does have you notified your right to terminate, but you have not noticed in the letter, the law will châtel alas nothing. But if the insurer you have not at all informed, so you can cancel your contract of mutual or complementary health at any time, with the termination Chatel law.