Your health insurance is taken out for a full calendar year, with the standard start date being January 1st. Terminating midterm is only possible in a few cases. Has your health insurance not started yet, or have you changed your mind within 14 days after the issuance of your new insurance? Then you can use the right of withdrawal. Below, we explain how and when you can cancel or terminate your health insurance with a.s.r.
You can cancel your health insurance or switch to another insurer until December 31st. If we receive your cancellation on January 1st or after, we can only cancel your health insurance as of January 1st of the following year. Cancelling midterm is possible in a few cases, for example if you are moving abroad. Read more about these exceptions here. You can cancel or change your supplementary insurance until February 1st.
Cancelling or switching can be done in two different ways:
Do you have unpaid bills? Then it is not possible to cancel and switch to another health insurer. This is legally regulated. If you have paid your full outstanding balance before January 1st, you can cancel or switch.
Thanks to the right of withdrawal, you can always cancel your health insurance within 14 days of commencement or issuance of your insurance. How this works depends on your situation:
It is mandatory to have health insurance in the Netherlands. Have you cancelled or terminated your current insurance, but not yet taken out a new insurance? Do this no later than February 1st of the new insurance year.
Are you going to live or work abroad (temporarily)? In some cases it is possible to cancel your health insurance in the Netherlands. This is not always the case. You can read more about this on our page about moving abroad and your health insurance.
Did you have a collective health insurance through your employer, but do you have a new job? Then you can switch to a new employer collective at a health insurer of your choice.
Can’t find a new employer collective? Then you will remain insured with a.s.r. at least until the end of the calendar year without the collective discount. This means you will pay a higher premium. In the new calendar year, you are of course free to switch to another health insurance.
Are you the main-insured? In that case, you can cancel the insurance of your (ex-) partner and children at any time, with the permission of your (ex-) partner.
Are you co-insured with your (ex-) partner? You can split the policy in your a.s.r. account to take out your own health insurance for you and (possibly) your child(ren).
If you are joining the military, you will get a mandatory insurance through the Ministry of Defence. As soon as you are registered with the ‘Stichting Ziektekostenverzekering Krijgsmacht’ (SZVK), we will automatically receive a message. You don’t have to do anything to cancel your insurance yourself.
Are you currently co-insured with one of your parents, but would you like to take out your own health insurance? You can do this any time after your 18th birthday. Read more about taking out health insurance from the age of 18 here.
Are you co-insured with your (ex-) partner or one of your parents? Then you can take out your own health insurance with a.s.r. at any time by splitting the policy in your a.s.r. account.
Are you currently co-insured with another health insurer? Then apply for a new health insurance with a.s.r. and take advantage of our free switching service.
If someone passes away, we receive a notification from the ’Basisregistratie Personen’ (BRP). After that, we stop the health insurance. You don’t have to do anything for this. Has too much been paid? We calculate the premium and the excess in proportion and pay back the amount paid too much on the account registered with us.
Have we changed the policy conditions or premium midterm to your disadvantage? In this case, you are allowed to cancel your health insurance midterm, unless the change has been made from article 11 to 14 of the ’Zorgverzekeringswet’. We always send you a message in advance.