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| They're not obligated to provide you supplemental insurance, nor an explanation why they reject you. The ombudsman can't help you in this regard. If you really want to know why you didn't get the insurance, better ask SWICA directly.
It is speculated that some insurers factor in the residence permit on their decision, but this is only hearsay. Maybe Jenny or somebody else can give you more details, if the permit or specific pre-existing conditions are important factors. | |
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I am flabbergasted, quite frankly. The Swiss tout being so democratic, and every issue is decided in a referendum (which you could interpret as the Swiss not trusting the people they elect, but that aside..). Yet they allow a health insurer to be this undemocratic?
It isn't per se the point that supplemental was denied. It is however the fact that they do not provide any explanation. Was it age? Religion? Race? I doubt those are factored into their decision, but the mere fact that they offer zero explanation does not help to take away such doubts...