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Old 15.03.2015, 18:46
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Signed up with an insurer - too late to pull out?

Hello

I moved here 2 months ago and signed up for health insurance through the cheapest I could find on comparis. I sent all the forms away but I have now realised that there is another insurer which would be half the price I will be paying. From the insurer I originally signed up with, I have received a letter titled 'deckungszusage' (congruent commitment) and an invoice for the first 3 months. I assume that it's too late to now pull out?

Also, I am being hassled by my Gemeinde to give them confirmation of insurance - will the 'deckungzusage' be enough for them or do I have to wait to receive a card of some kind?

Thanks for your help
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Old 15.03.2015, 19:14
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Re: Signed up with an insurer - too late to pull out?

Too late and the deckungzusage will be enough.

Make sure you cancel on time for next year though!
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Old 15.03.2015, 19:21
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Re: Signed up with an insurer - too late to pull out?

Thanks for the quick reply, I was afraid that would be the case.

I am only here for 6 months, but think I know the steps to cancel (hopefully!).

Cheers again, much appreciated.
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Old 17.03.2015, 15:09
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Re: Signed up with an insurer - too late to pull out?

I think the need for health insurance will immediately stop with you de-registering, and health insurance cancel automatically. Ask the Gemeinde, those who "hassle" you should know.
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Old 17.03.2015, 16:05
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Re: Signed up with an insurer - too late to pull out?

Thanks, only thing is I get invoiced for 3 months at a time and when I next get invoiced I should only pay for 2 of the 3 months invoiced (since I won't be here for the 3rd).

Should I just manually pay them 2/3rds, email them to explain the situation, and then send them the confirmation of deregistration when I receive it before I leave, or is there a formal process I ought to go through to notify the company of this fact...?
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Old 17.03.2015, 18:23
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Re: Signed up with an insurer - too late to pull out?

Call them
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Old 18.03.2015, 01:02
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Re: Signed up with an insurer - too late to pull out?

About " there is another insurer which would be half the price I will be paying."

are you sure? there is usually not much variation in basic health premiums especially as you found "the cheapest I could find on Comparis"
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Old 18.03.2015, 02:49
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Re: Signed up with an insurer - too late to pull out?

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About " there is another insurer which would be half the price I will be paying."

are you sure? there is usually not much variation in basic health premiums especially as you found "the cheapest I could find on Comparis"
You're kidding right? I just did a quick comparis quote and it ranged from 200 odd to 400 odd.
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Old 18.03.2015, 08:05
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Re: Signed up with an insurer - too late to pull out?

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You're kidding right? I just did a quick comparis quote and it ranged from 200 odd to 400 odd.
As I wrote; the OP said he used Comparis and took the cheapest. Now he has found another who is half the cheapest Comparis price - now who is kidding
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Old 18.03.2015, 09:17
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Re: Signed up with an insurer - too late to pull out?

If he's gone for the cheapest he could find on comparis I'd be very surprised if he found something for half the price of that.
Assura is often the cheapest on comparis and finding something for half the price of assura ( unless it's one if the student schemes) would be nigh on impossible assuming he is comparing like for like ( same deductible, same insurance model etc).

Last edited by Belgianmum; 18.03.2015 at 10:19.
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Old 18.03.2015, 10:07
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Re: Signed up with an insurer - too late to pull out?

It is one of the student schemes, Swisscare, although not 100% sure that they apply to 'mitarbeiters' in Zurich any more given another post I've read on the forum...that's what I am going to tell myself anyway (ignore is bliss).

Cheers for all your help.
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Old 27.03.2015, 22:56
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Re: Signed up with an insurer - too late to pull out?

Ask you current insurer to provide you low cost insurance plan. Means with restricted choice of practicers. You can ask also to increase your deductible.
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Old 30.03.2015, 04:58
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Re: Signed up with an insurer - too late to pull out?

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...that's what I am going to tell myself anyway (ignore is bliss).
You owe it to yourself to find out.
Facts.
Real facts.
From your current insurer(s), place(s) of study, and employer(s), and in writing.

Besides taking a chunk out of your monthly budget, which might sting, health insurance has to be there, good and solid, if ever you need it. At any point, you need to know for sure that you've put money aside to cover that first slice of the bills which is not covered by the insurance.

If you reduce your cover, or increase your deductible (called "Franchise"), you automatically increase the slice you'd have to bear out of your own wallet. So while you could probably get a lower monthly premium, you'd have to be saving money into an account you don't touch, just in case you ever do become ill or have an accident.
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Old 30.03.2015, 20:51
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Re: Signed up with an insurer - too late to pull out?

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You owe it to yourself to find out.
Facts.
Real facts.
From your current insurer(s), place(s) of study, and employer(s), and in writing.

Besides taking a chunk out of your monthly budget, which might sting, health insurance has to be there, good and solid, if ever you need it. At any point, you need to know for sure that you've put money aside to cover that first slice of the bills which is not covered by the insurance.

If you reduce your cover, or increase your deductible (called "Franchise"), you automatically increase the slice you'd have to bear out of your own wallet. So while you could probably get a lower monthly premium, you'd have to be saving money into an account you don't touch, just in case you ever do become ill or have an accident.
Not precisely. I'll specify:

If OP has an accident there will not be any costs charged to him/her if s/he is employed for at least 8 hours per week.

If OP is not employed but claiming unemployment benefits, s/he's insured with SUVA which also means that no costs will be charged to him/her in case of an accident.

If OP is neither employed nor on unemployment benefits, OP is legally obliged to take out accident insurance with his/her health insurance company, in which case costs will be charged exactly as they would in case of illness.

So - costs will only be charged to OP if s/he falls ill or has an accident while being insured for accidents with his/her health insurance company, in which case health insurance will cover whatever exceeds OP's retention fee (Selbstbehalt, 10% of bills exceeding the yearly deductible, max. CHF 700/year) and deductible (Franchise, CHF 300-2500) as well as possibly some extras which OP signed up for to save on premiums (e.g. health insurance will not pay for the first couple hundred CHF of a hospital stay, but charges OP e.g. 10% less in premium costs each month).

Last edited by glowjupiter; 30.03.2015 at 21:09.
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