Dental Insurance Cancellation Letter
Do you want to cancel your dental insurance in Germany?
Use our tool to easily create a dental insurance cancellation letter.
You can cancel the supplementary dental insurance once your minimum contract period ends. Depending on your dental insurance policy, the minimum contract period could be 12 or 24 months.
You have a special right to cancel the dental insurance contract in certain cases. For example, a premium increase, a reduction in benefits, etc.
You can download the cancellation letter in PDF format for free or send it directly by post at the click of a button.
To ensure legal proof, we recommend sending it by registered post (Einschreiben).
Create a Dental Insurance Cancellation Letter
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Users are solely responsible for verifying the suitability and accuracy of any document before use. LetterKrieg disclaims all liability arising from the use of its templates.
For legal advice, please consult a qualified attorney.
Know your rights
Normal termination of contract
Supplemental dental insurance policies have a minimum contract term. You cannot cancel the contract during this period.
The minimum contract term is legally limited to two years, so a longer contract term is not permitted.
Most dental insurance providers have a minimum contract term of two years. However, some insurers offer a minimum term of one year.
There are two ways to calculate the contract term: Insurance year or Calendar year.
- The insurance year starts when you conclude the contract and ends after 12 months.
- The calendar year starts on 1st January and ends on 31st December of the same year.
Example: Suppose you took supplemental dental insurance on 1st June 2025. In this case, you can cancel your dental insurance on
- December 31, 2026, if the contract says “Calendar year”
- 31st May 2027, if the contract says “Insurance year”
For most insurance policies, the notice period is three months to the end of the insurance year or calendar year.
Termination after an extraordinary contribution adjustment §205 paragraph 4
If the insurer increases the premium or reduces the insurance benefits, you (the policyholder) have a special right to terminate the contract. You can cancel your contract within two months after being informed about the change. The cancellation will take effect when the higher premium or reduced coverage starts.
For example, suppose the insurer informs you about the increase in insurance premiums in April. In this case, you have two months (i.e., until 30 June) after receiving the letter to terminate your contract.
Right to cancel the contract (Widerrufsrecht)
The Widerrufsrecht is the legal right to withdraw from an insurance contract within a specific time frame without giving a reason. You generally have 14 days from the day you receive:
- The insurance policy,
- The contract terms and conditions, and
- A written notice of your right to withdraw (Widerrufsbelehrung).
For life insurance and private pension insurance, the withdrawal period is extended to 30 days.
You can exercise your right to withdraw in writing. We recommend sending a letter to the insurer via registered post. Registered post acts as legal proof of timely termination.
Once you cancel the contract by exercising the “Widerrufsrecht,” it is considered void. The insurer must refund any premiums you paid.
NOTE: You don’t have the right to withdraw if the insurer entirely performed the contract before you exercised the Widerrufsrecht.
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