If my contract of mutual is not yet expired, but I want to stop it, it is possible to terminate my mutual under certain conditions. Here’s why.
In some circumstances, change of personal or professional situation, the subscription to a mutual company mandatory (etc), it may be necessary to terminate his contract of mutual. In a sake of information and clarity among its members both current and future, Cocoon presents the main specific cases that may result in the termination of a mutual before the term of the contract.
Terminate my mutual in the event of a change of situation
In the event of a change of personal or professional situation for myself, it is possible to terminate my mutual. These changes may, for example, take the form of a regime change, marital or social system, retirement, becoming unemployed or a move. However, two conditions must be absolutely fulfilled in order to obtain the termination :
– the contract of my mutual must not stipulate conditions contrary to a possible termination in the specific context of my change of situation ;
I need to send a cancellation letter by registered mail with acknowledgement of receipt (by registered letter) within a maximum period of 3 months after the date of my change of situation. This registered letter must be accompanied by a document substantiating the change occurred..
How do I terminate my health insurance benefits in the event of membership of a health insurance mandatory ?
The law of 14 June 2013, the so-called “law ANI”), obliges all companies of the Hexagon to set up a complementary health for all its employees since January 1, 2016. If my employer asks me to join the mutual binding of his company, but I have already subscribed to a complementary health, I have the option to terminate this last. Again, I have to send my agency a registered letter with as proof a copy of my new contract of mutual company. My old contract of the mutual will then be terminated at a month’s notice.
Terminate my mutual in the event of a dues increase
If my mutual decides to increase its rates of contribution and that this increase was not stipulated in my contract, I can terminate my mutual. My letter of termination shall be in possession of an object of type “Termination of contract of mutual rate increase to be unjustified” and be sent by registered mail with acknowledgement of receipt within the notice period provided for in the contract.
How do I terminate my mutual in the case of an arrival at maturity ?
We have already seen that it was possible to terminate a mutual before the end of his contract. The case of such termination, the most common of course is the termination to the maturity date. Contracts of mutual containing, in general, a clause of tacit renewal, it is mandatory to terminate the contract to get out on the anniversary date thereof. Since the promulgation of the law Chatel , which is intended to protect consumers, the agencies of complementary health have the obligation to inform the cases for which termination is possible, but also to notify that the contract has a maturity date at least 15 days prior to the notice period. If I decide to terminate on the due date, a termination letter must be sent by registered mail with acknowledgement of receipt, within the time provided by law.
Therefore, it is quite possible to terminate my mutual prior to the end of my contract if I go back in one of the situations provided. Regardless of the reason for my termination, I have to think well to send my application by registered letter with acknowledgement of receipt. My request will be effective after the notice period provided for by my contract.