Free Cancellation Letter for Health Insurance [Sample]

Health insurance is an essential aspect of maintaining financial stability and access to healthcare services. However, circumstances may arise where you need to cancel your health insurance policy. 

Writing a cancellation letter is a formal and necessary process to inform the insurance company about your decision. This comprehensive guide will walk you through the step-by-step process of writing a cancellation letter for health insurance.

Step 1: Review your health insurance policy:

Before proceeding with the cancellation process, thoroughly review your health insurance policy. Familiarize yourself with the terms and conditions, including the cancellation policy and any associated fees or penalties.

Step 2: Determine the cancellation period:

Identify the cancellation period specified in your health insurance policy. This period indicates how much notice you must provide before canceling the policy. Typically, insurance companies require a 30-day notice, but this may vary depending on your specific policy.

Step 3: Gather necessary information:

Collect all relevant information related to your health insurance policy. This includes your policy number, effective dates, and any additional details the insurance company may require for cancellation.

Step 4: Format the letter:

Begin by formatting the cancellation letter correctly. Include your name, address, phone number, email address, and the date at the top of the page. Below this, include the recipient’s name, title, insurance company name, and address.

Step 5: Write a concise and polite opening:

In the opening paragraph, state your intention to cancel the health insurance policy. Be clear and concise, ensuring the reader understands your purpose for writing the letter. Maintain a polite tone throughout the letter.

Step 6: Provide policy details:

In the subsequent paragraph, provide all relevant policy details, including your policy number, effective dates, and any other pertinent information. This helps the insurance company locate your policy and process the cancellation efficiently.

Step 7: State the reason for cancellation (optional):

While not mandatory, you may choose to briefly state the reason for canceling your health insurance policy. This can provide valuable feedback to the insurance company, helping them improve their services. However, this step is entirely optional.

Step 8: Request confirmation:

Politely request written confirmation of the cancellation. This ensures you have documented proof of the cancellation, which can be useful for future reference.

Step 9: Provide contact information:

Include your contact information, such as your phone number and email address, in case the insurance company needs to reach you for any further information or clarification.

Step 10: Express gratitude and closing:

In the closing paragraph, express gratitude for the services provided by the insurance company during your coverage period. Sign off with a professional closing, such as “Sincerely” or “Best regards,” followed by your full name.

Step 11: Proofread and revise:

Review the letter carefully to identify any grammatical errors or inconsistencies. Ensure that all information provided is accurate and up-to-date. Proofreading is essential to maintain a professional tone and make a good impression.

Step 12: Send the letter:

Print the letter on quality paper, sign it, and make a copy for your records. Send the cancellation letter to the insurance company via certified mail or a reputable courier service. Retain the tracking number for reference.


Writing a cancellation letter for health insurance requires careful attention to detail and a professional approach. By following this step-by-step guide, you can ensure that your cancellation request is communicated effectively to the insurance company. 

Remember to review your policy terms, provide all necessary information, and maintain a polite tone throughout the letter. Cancelling your health insurance policy should be a straightforward process with the proper communication and documentation.

Cancellation Letter for Health Insurance Sample


Larry Hughes
3234 12th Street
Philadelphia, PA, 19114

XYZ Health Insurance Company
435 Health Insurance Circle
Atlanta, GA, 02334

ATT: Cancellations

RE: Health Insurance Policy #23455523

Please consider this letter as a formal request to cancel the referenced health insurance policy. 

Please stop all debits or charges for premium payments. The effective date of policy cancellation is 05/31/2020.

Please send a written confirmation letter to me within 30 days after the cancellation takes effect. Please refund any and all unused portion of my premium.

I look forward to hearing from you.


Larry Hughes

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