Cancel health insurance Liechtenstein: a step-by-step guide after a death

Health insurance in Liechtenstein is strictly personal and ends by operation of law on the date of death. However the insurer will not stop direct debits automatically – you must notify them in writing so that premiums stop and any refund is paid.

Include the following with the cancellation:

• Original or certified death certificate from the Vaduz civil registry office
• Cancellation letter with the policy number
• Bank details for refunds
• Proof of heirship where required

Insurers prorate from the date of death. Where the monthly premium has already been debited, heirs receive the balance within 4-6 weeks. The same applies to supplementary, dental and overseas cover.

Co-insured spouses and children must reorganise their cover. They may be entitled to survivor's or orphan's pensions with their own insurance obligation. Settle this within three months to avoid gaps.

"I write to inform you that [Name, policy no.] passed away on [date]. Please close the contract on that date, stop direct debits and refund unused premiums to account [IBAN]. A death certificate is enclosed."

Medical bills incurred before the date of death continue to be reimbursed. Pending applications (rehabilitation, aids, long-term care) are processed – the money falls into the estate.

The Wegbegleiter App drafts the cancellation automatically and tracks the insurer's reply and the refund.