Can I cancel part-way through the year?

Usually yes, subject to the notice period in your policy. Check your policy documents, as some premiums are payable for the full year.

Will I lose cover for a condition if I switch insurer?

Possibly. New policies often exclude pre-existing conditions, so ask the new insurer in writing what will be covered before you cancel.

Send-a-Letter.co.uk

Cancel private health insurance

To cancel a private health or dental insurance policy you need your policy number and the date you want the cover to end.

Your details

Full name Street and number

Postcode Town or city

Who are you writing to?

Name of the company or organisation Street and number

Postcode Town or city

Country

About your letter

Policy number Shown on your membership card or policy schedule.Cancel with effect from Often the renewal date, or the end of the notice period in your policy.

Preview of your letter

This is exactly what goes on paper.

Full name

Name of the company or organisation

25 July 2026

Re: Cancellation of health insurance policy

Dear Sir or Madam,

Please confirm the cancellation in writing and stop collecting premiums from that date. If any premium has been paid in advance for the period after the end date, please refund it.

Yours faithfully,

Full name

Email address We send your confirmation here.Send by recorded deliveryRecommended for this letterWith proof of posting and proof of delivery.

What to look out for

If you are taking out a new policy, start it before this one ends — a gap in cover can mean existing conditions are excluded from the new policy.
If you are part-way through treatment, ask in writing what will and will not be covered after the end date.
Have an outstanding claim? Submit it before the end date and keep a copy.
Cancel any add-ons such as dental or travel cover separately if they are held under a different policy number.

FAQ

Can I cancel part-way through the year?: Usually yes, subject to the notice period in your policy. Check your policy documents, as some premiums are payable for the full year.
Will I lose cover for a condition if I switch insurer?: Possibly. New policies often exclude pre-existing conditions, so ask the new insurer in writing what will be covered before you cancel.

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