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Landeskrankenhilfe V.V.a.G. has its head office in Lüneburg, Germany. The German regulator BaFin lists the company as a health insurer under register number 4011. This page explains where your cancellation must go, how to submit bills and how often customers complained to the regulator.
Send the cancellation to the address printed on your policy schedule (Versicherungsschein). If none is given there, the head office is the right address:
Landeskrankenhilfe V.V.a.G.For contracts signed after 30 September 2016 a letter or an email is enough: German law no longer allows consumer contracts to demand more than text form (section 309 no. 13 of the Civil Code). Give your policy number, your name and the date the contract should end, and ask for written confirmation. A German letter is not required, but it avoids delays.
If the contract can be taken out on the insurer's website, the site must also offer a clearly visible cancellation button (section 312k of the Civil Code).
Private health insurance
three months to the end of the policy year
Cancelling is rarely the right question here. Switching insurer costs part of the ageing reserves, and going back to the statutory system depends on age and income. Changing tariff inside the same company is usually the cheaper route, and the law allows it.
Special right to cancel: A cancellation only takes effect once you prove that new health cover is in place.
Health and care top up policies
three months before renewal, often after a minimum term
Many top up tariffs run for a minimum of two years before the normal notice period applies. With dental cover, waiting periods and yearly limits start again in the new contract, so switching shortly before planned treatment costs you cover.
Special right to cancel: A premium increase opens a one month window to cancel here as well.
Contact details taken from the insurer's own website, checked on 15 October 2026. Your contract takes precedence.
Every year BaFin publishes how many complaints it closed about each company, split into eight classes of business. To make the figure meaningful we set it against the number of policies: complaints per 100,000 policies, next to the average of all insurers that report their portfolio.
| Class | Year | Complaints | Policies | per 100,000 | Market per 100,000 |
|---|---|---|---|---|---|
| Health insurance | 2025 | 23 | 317,404 | 7.25 | 3.50 |
| Health insurance | 2024 | 25 | 316,039 | 7.91 | 2.68 |
| Health insurance | 2023 | 22 | 321,860 | 6.84 | 1.95 |
Rank 26 of 33 in Health insurance (2025), by complaints per 100,000 policies, lower is better.
What the figure does and does not say: BaFin does not assess whether a complaint was justified. A single large case can distort a year; BaFin attributes most of the 2025 increase to one single matter. Policy numbers are only shown where the company took more than 10 million euros in premiums in that class the year before, otherwise the table says n/a.
According to its own Solvency and Financial Condition Report for 2025, the own funds of Landeskrankenhilfe V.V.a.G. covered the solvency capital requirement at 557 per cent. The regulator requires at least 100 per cent.
BaFin lists this licence under Annex 1 of the German Insurance Supervision Act:
The Ombudsman for Private Health and Long Term Care Insurance (PKV-Ombudsmann) is responsible. The procedure is free for policyholders and ends with a recommendation.
Ombudsmann Private Kranken- und Pflegeversicherung
You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.
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To the address on your policy schedule. If none is given there, to the head office: Landeskrankenhilfe V.V.a.G., Uelzener Straße 120, 21335 Lüneburg. For contracts from October 2016 a letter or email quoting your policy number is enough.
In 2025 BaFin closed 23 complaints about Landeskrankenhilfe V.V.a.G. (Health insurance 23).
The Federal Financial Supervisory Authority (BaFin). It lists the company as a health insurer under register number 4011.
The Ombudsman for Private Health and Long Term Care Insurance (PKV-Ombudsmann) is responsible. The procedure is free for policyholders and ends with a recommendation. You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.
Updated: 15 October 2026 · All insurers · Complaints compared