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Old 20.01.2015, 20:53
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Need advice with an agreement with doctor

Dear friends,
Need your advice in the following situation.

I take my wife to a gynecologist in Zurich. The doctor appeared to be good in the first visit. I accompanied my wife in the first visit and since then, she has visited the doctor couple of times.

Last time my wife visited her, she told the doctor that she would return to India after few days. Ever since the doctor came to know about it, few strange things happened.

1. She asked my wife to sign an agreement
2. Or else, asked for a credit card number
3. She asked for doing some expensive tests (1500 CHF). I said NO immediately when I came to know about it

I was slightly annoyed and called the doctor. She told me the agreement is nothing but a declaration that she can take the money directly from insurance company. Then I asked her that this is true for all doctors we visit and no one has asked for it ever. Some doctors send me the bill - I pay and get it reimbursed; some send the bill to insurance company and I get a record from the insurance company.

I think she is slightly worried that we will travel back to India without paying her money. I even told her to give me the bills and I will pay it immediately and I will get it reimbursed. But she was insisting on signing the agreement.

It is in German. I translated using Google translate - first few lines are what she mentioned.
Last 2 lines are as following -

1. sie wird ausdrucklich auf die Gefahr der Doppelzahlung hingewiesen, falls sie trotz der Anzeige dieser Zession an die Patienten direkt bezahlen sollte.

2. Diese Abtretungsvereinbarung gilt auf unbestimmte Zeit

I want to know if it will be right to sign this agreement. Also, I am little worried that this doctor will send some illegitimately high amount to the insurance company. And frankly, I dont know why she is not sending me the bills when I am ready to pay

Need suggestions please
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Old 20.01.2015, 21:08
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Re: Need advice with an agreement with doctor

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1. sie wird ausdrucklich auf die Gefahr der Doppelzahlung hingewiesen, falls sie trotz der Anzeige dieser Zession an die Patienten direkt bezahlen sollte.

2. Diese Abtretungsvereinbarung gilt auf unbestimmte Zeit
This really does look like this is directed at the insurance company.
1. above appears to a be a warning to the insurance company, that if it pays the patient directly, then then it (the insurance company) risks paying twice.
2. above says only that the arrangement is for an indefinite period.

Without seeing the whole agreement, and its parties, however, it is difficult to be 100% certain.

As long as the treatment is covered by your insurance, you have nothing to worry about. Insurance companies are also very good at protecting their own interests.
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Old 20.01.2015, 21:31
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Re: Need advice with an agreement with doctor

It is a little weird. However, when I moved to Winterthur from Bern, I did sign a paper in my doctor's office saying that insurance could pay them (the doctor) directly, and they could send bills directly to insurance (this was 3 years ago).

I have never been asked for a credit card, however. I would send a copy to your insurance if you question it.

If the doctor suggests tests, I'd ask why, and ask if they need to be done right now.
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