You can cancel your expat health insurance at any time through your account, with no long-term contract. To avoid being billed for an extra month, cancel before the 1st of the following month; a one-month minimum applies to every policy. Coverage runs to the end of the month you cancel in and does not renew. If you're staying in Germany, you must have new health coverage in place before your expat health policy ends.
How do I cancel my expat health insurance?
You can cancel your expat health insurance at any time from your account. To cancel:
Log in to your account using the email address you signed up with. A one-time password is sent to that address so you can log in.
Select your expat health policy.
Choose the cancel option.
Cancel before the 1st of the following month to avoid being billed and covered for that extra month. A one-month minimum applies to all expat health policies.
What is the deadline to cancel my expat health insurance and avoid being charged for the next month?
The deadline depends on how long your expat health policy has been active:
If your policy has been active for more than 30 days, cancel before the 1st of the month to avoid being charged for it. If you cancel on or after the 1st, your policy has already renewed, so you're billed and covered for that full month. Coverage ends at the end of the month in which you cancel.
If your policy has been active for less than 30 days, cancel before the end of those first 30 days to avoid charges beyond that period. If your policy started mid-month, you're still charged on the 1st of the second calendar month to meet the one-month minimum.
What happens to my coverage if I'm leaving Germany partway through the month?
Expat health insurance runs on full calendar months, so there's no option to end coverage early in the middle of a month. If you leave on, for example, the 15th, your policy has already renewed on the 1st and you're charged for that full month. Because expat health has no long-term yearly contract, you can cancel on a monthly basis with no penalties. Keep in mind that you're required to have health insurance in place at all times while you live in Germany.
What are my health insurance options if I'm staying in Germany after canceling?
If you're staying in Germany after canceling your expat health insurance, you're legally required to have new health coverage in place before your existing policy ends. Your main options are public health insurance (GKV) or private health insurance (PKV). If you're not eligible for public health insurance, long-term expat health insurance is an alternative. You can use our recommendation tool to find the option that best fits your situation.