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  #21  
Old 20.08.2015, 17:44
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Re: Incorrectly denied supplementary health insurance - but complex background

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Yes you are currently suffering .....

If you lie they don't have to pay out.
So, essentially, they intend this as "have I ever experienced/suffered from illness A" and not "Have you ever taken prescribed medicines or treatments for illness A"?

MrsWorWoo, this is for a supplementary insurance. They list all body systems and associated issues- so unless you are a baby few hours old, there's bound to be a lot you have "suffered" from, even if you haven't taken medication or consulted a doctor about....
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Old 20.08.2015, 18:04
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Re: Incorrectly denied supplementary health insurance - but complex background

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I am currently filling the form which asks whether I have ever suffered from a range of illnesses (included headaches and sinusitis too). Would anyone happen to know how exactly should I interpret these questions? If I have ever suffered from one of these (e.g. headache- which I am currently having), the answer is yes. If I have been ever "medically treated" for headache (as in going to the GP/specialist and getting medicines), the answer is no.
I think everyone in the world has had a headache at some point, so I'd interpret it in the latter sense.

Clearly you shouldn't hide genuine illnesses, but headaches now and again are normal, and only if recurring and/or serious would they be of any interest.
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  #23  
Old 20.08.2015, 19:01
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Re: Incorrectly denied supplementary health insurance - but complex background

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So, essentially, they intend this as "have I ever experienced/suffered from illness A" and not "Have you ever taken prescribed medicines or treatments for illness A"?

MrsWorWoo, this is for a supplementary insurance. They list all body systems and associated issues- so unless you are a baby few hours old, there's bound to be a lot you have "suffered" from, even if you haven't taken medication or consulted a doctor about....
Tell them exactly your situation & they can decide if they want to cover you. Insurance is based on utmost good faith, you must give them any information they ask so they can underwrite the risk correctly.
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Old 11.10.2015, 19:48
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Re: Incorrectly denied supplementary health insurance - but complex background

I have just been denied supplementary insurance because I am on an L permit. The insurer said it was illegal to give supplementary ins. to individuals on an L permit. Illegal? Any comments? Thank you.
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Old 11.10.2015, 20:09
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Re: Incorrectly denied supplementary health insurance - but complex background

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I have just been denied supplementary insurance because I am on an L permit. The insurer said it was illegal to give supplementary ins. to individuals on an L permit. Illegal? Any comments? Thank you.
Yes the Swiss use that word all the time, often nonsense of course. They don't legally have to offer cover is the reality.
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Old 11.10.2015, 20:11
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Re: Incorrectly denied supplementary health insurance - but complex background

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I have just been denied supplementary insurance because I am on an L permit. The insurer said it was illegal to give supplementary ins. to individuals on an L permit. Illegal? Any comments? Thank you.

Wait for Glowjupiter and Medea.F.S. 's answers. They can tell us if this is true or not.

You may also want to try this.
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Old 11.10.2015, 20:57
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Re: Incorrectly denied supplementary health insurance - but complex background

Is it with the same insurer as your basic is with? Can't think why it would be illegal, not that I'm up on the insurance side of things. They may not want to provide it of course, but illegal? Maybe Glowjupiter knows more.
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  #28  
Old 11.10.2015, 21:08
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Re: Incorrectly denied supplementary health insurance - but complex background

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Wait for Glowjupiter and Medea.F.S. 's answers. They can tell us if this is true or not.

You may also want to try this.


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I have just been denied supplementary insurance because I am on an L permit. The insurer said it was illegal to give supplementary ins. to individuals on an L permit. Illegal? Any comments? Thank you.
You can be refused supplementary for any reason, only basic insurance coverage cannot be refused. No matter the reason given, they are within their rights to not insure you for supplementary.

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The basis of basic Swiss health insurance (compulsory) is solidarity - people with few illnesses pay as high or low a premium as people with many illnesses, if they are within the same age bracket, live in the same city/vicinity and choose the same insurance model. This way, people pay for each other in a way.

Supplementary health insurance is just that - supplementary (noncompulsory) security. If you want to be sure that you have the possibility to choose doctors/rooms/care etc. in the case that you should you fall ill, take out supplemental insurance.

If you can live without that security and the fact that (I think) some hospitals do not offer the possibility of upgrading your care on a case by case basis, don't go for supplementary insurance and ask if you can pay extra when you fall ill. If you definitely want the "bells and whistles" when worst comes to worst, pay for them.

Also know that all insurances have to cover your basic insurance costs, but they are not obliged to accept you for supplementary insurance.
Link 1
Link 2
Link 3

You cannot demand supplementary health insurance coverage no matter how healthy you are, as they have neither a legal duty to accept you nor to provide you with a reason for their refusal accept you.


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Yes, tom_vn, fatmanfilms is right.

Basic health insurance (Grundversicherung) is mandatory from the date of taking up residence or from date of birth. That is federal law (Art. 5 paragraph 1 KVG).

Supplemental health insurance (Zusatzversicherung) can be taken out from whenever you wish, however - as opposed to basic health insurance - insurers are allowed to reject you.

Last edited by glowjupiter; 11.10.2015 at 22:06. Reason: formatting
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  #29  
Old 11.10.2015, 21:27
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Re: Incorrectly denied supplementary health insurance - but complex background

in which case, I would ring them to speak to an advisor, about something like a normal headache, which we all get from time to time.

BTW thay may work on the principle that someone on L permit is probably here only short-term- and may use that opportunity to get expensive treatment then be off again. Supplementary insurance is based on insuring people when young and in excellent health- not requiring treatment for a very long time unless real bad luck happens. But as said above, they do not have to give any reasons at all, totally legally. As over 60s with some pre-exisiting injuries and conditions, they just laughed and said NOOOOO!
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Old 15.10.2015, 22:49
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Re: Incorrectly denied supplementary health insurance - but complex background

OK thanks everyone - the reason they gave for it being "illegal" is that I might leave....I'll assume that means that it's not actually illegal, just that they don't want to take a risk with me - yes, it's also my basic insurer (just signed up with them).
Cheers,
F
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