Cancelling a French supplemental health insurance (mutuelle) is governed by several laws. Here is what you need to know in 2026.
Loi Hamon: Cancel Anytime After 1 Year
For individual mutuelles, you can cancel at any time after 12 months without fees. The cancellation takes effect 1 month after receipt. This does not apply to mandatory employer group schemes.
Early Cancellation Grounds
- Job loss, retirement, or self-employment transition
- Marriage, PACS, or divorce
- Moving abroad
- Joining mandatory employer group scheme
Key Points
- Send a registered letter with your membership number
- Attach supporting documents for early cancellation
- Request refund of prepaid premiums
- Cancellation takes effect 1 month after receipt
Write your mutuelle cancellation letter in 30 seconds
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