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Old 28.09.2015, 23:42
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Strange health 'zusatzversichering' system

So health insurances have these 'additional' insurances which give private hospital coverage, alternative medicine coverage etc.

Has anyone here actually used them, and then tried to change insurer? We're just trying now, and finding it impossible!

eg. Oh you've been overnight in a private ward once? No private insurance possible! You've had a few sessions of acupuncture in the last few years? No alternative medicine cover allowed!

Looks like the current insurer will have this business forever.......
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Old 28.09.2015, 23:45
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Re: Strange health 'zusatzversichering' system

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So health insurances have these 'additional' insurances which give private hospital coverage, alternative medicine coverage etc.

Has anyone here actually used them, and then tried to change insurer? We're just trying now, and finding it impossible!

eg. Oh you've been overnight in a private ward once? No private insurance possible! You've had a few sessions of acupuncture in the last few years? No alternative medicine cover allowed!

Looks like the current insurer will have this business forever.......
Insurers are in business to make a profit, why would they want people who claim & cost them money. Same with car & household insurance.
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Old 28.09.2015, 23:59
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Re: Strange health 'zusatzversichering' system

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Insurers are in business to make a profit, why would they want people who claim & cost them money. Same with car & household insurance.
My dad just had 2 new bathrooms paid by water damage insurance, then changed company to a new one, with full disclosure of what had gone on.

Refusing alternative medicine insurance for someone who's had a few sessions of acupunture in the last 5 years, is a bit ridiculous. Still, at least we have the insurance- I feel sorry for people trying to take it out for the 1st time, who have ever been to a hospital or to an acupuncturist.
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Old 29.09.2015, 08:48
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Re: Strange health 'zusatzversichering' system

There is probably something more than meets the eye here, as the insurance companies make good money out of supplementary insurance policies.

As it's not obligatory, they can charge what premium they like (and do !).

As for water damaged bathrooms, if it were a burst pipe, this is considered an unfortunate accident. If he had left the taps on and the bathroom flooded this would be considered as a stupid accident and the insurance may not have been so easy to change. Plus of course, they make far more money out of household insurance than medical as it's not obligatory, nor controlled by the state.
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Old 29.09.2015, 10:54
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Re: Strange health 'zusatzversichering' system

People who are older and have pre-existing conditions just cannot get supplementary insurance- for the reasons stated above = not good business risk. The only ones who can seem to be if they are part of a massive business package with a large firm with huge numbers of affiliated employees.
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