Hello again swissbob,

You are right and in a normal situation I would have waited and just made some inquiries here and there, buuut actually we were in a bit of a hurry because we had to go forward with obtaining the work permits, and in order to get a "go ahead" from the local authorities we had to prove that we have a medical insurance...and I think that a swiss resident knows way more than me about swiss medical insurances..and that was the only reason we took her (landlady's) advice...anyway the contract is based on calendaristic year, so in 2011 we can choose another company if we want.
But thanks for the reply!
Andreea