Cancelling insurance and phone contracts when leaving Switzerland

Visas, Permits, Passports and Naturalization
1
Hi,

How does cancellation of Swiss insurances work? I have insurances with Assura (travel insurance), Helsana (complementary health), KPT (obligatory health), Generali (household), and Group Mutuel (legal). They all have a minimal duration of the contract, and it seems they all need 3 months' notice before the end of the year on which the minimum duration expires to cancel them.

When I leave Switzerland, do insurances get canceled automatically even if the minimal contract duration and the 3-month notification window aren't respected?

I also have a mobile phone contract with Salt to cancel. It has a min duration of 2 years which expires 6 months after my planned departure from Switzerland, and they need 60 days' notice before the min duration deadline to cancel.

What happens with the phone contract when I leave Switzerland? Can I cancel it without respecting the min contract duration period?

2
The obligatory health insurance yes, once you deregister you can cancel it.

For the other ones, you need to check what you signed/ the contracts and the terms (AGB). I really doubt that all of them can get canceled without the notice period because you are leaving the country

3
But that doesn't make sense: I'm pretty sure most of those insurances don't cover me outside Switzerland. So if I leave, how can they continue coverage?

4
So I checked the terms for my contracts. Only for Salt and for Helsana Complementary insurance I did not find any mentions of its validity upon departure from Switzerland. Other contracts either mention that indeed they cancel on departure, or the min duration is expiring early enough.

5
What did you find out?

Were you able to cancel the Salt contract early?

They are telling me that I need to pay 200 CHF just to cancel -- more than the monthly bills remaining