There are 3 scenarios for cancelling your old mutual:

Infra-annual cancellation:

If your current health insurance is 12 months old or more, Lovys can cancel it for you with your previous insurer. All you have to do is follow the steps below:

  1. Choose a Lovys contract start date of +40 days.

  2. Take out your contract.

  3. Contact us the same day at to cancel your old contract.

  4. You will need to provide us with :

  5. The name of your previous insurer

  6. Your former insurer's address & contact email

  7. Your old contract number

  8. The date you took out your old contract

  9. You can also request an infra-annual cancellation directly from your former insurer.

Cancellation under the Châtel law :

Your current insurer normally notifies you between 75 and 45 days before the annual renewal of your contract. As soon as you receive your expiry notice, you can cancel your current mutuelle yourself.

All you need to do is send a registered letter with acknowledgement of receipt to your insurer at least two months before the anniversary date of your contract to cancel on the due date.

Change of situation or private-sector recruitment:

In the event of a personal or professional change, you can cancel your mutuelle outside the anniversary date.

Eligible situations are as follows:



Death of spouse


Change of profession


Send your cancellation request by registered letter with acknowledgement of receipt to your insurer, enclosing proof of the change, within 3 months of the change.