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Old 29.11.2015, 09:36
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Just got screwed by Concordia-sharp practice

I have been with Concordia for 4 years. Everything hunky dory except every communication is in French. At the beginning of November we extended the private options to cover my wife maternity, and we recommend to sign up for 5 years, which we gladly did. Then I received a letter from them today (just one working day before the generic cut off date to say they would not insure me for anything urological as I had a kidney stone earlier in the year...nice. So I pay about 900CHF a month to have health insurance and the health cartel get to pick and mix what they want to cover. Loathsome creatures.

My question is how to I change health providers quickly given that Concordia have only allowed me a day to respond?
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  #2  
Old 29.11.2015, 11:02
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Re: Just got screwed by Concordia-sharp practice

Why would any other provider cover you differently?

Just be thankful that you get post on a Sunday...
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Old 29.11.2015, 11:09
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Re: Just got screwed by Concordia-sharp practice

Is this a Swiss insurance policy for basic health cover? They are not allowed to refuse you specific treatment, every normal illness is covered by Swiss law.

Deutsch
http://www.bag.admin.ch/themen/krank..._JjKbNoKSn6A--

Français

http://www.bag.admin.ch/themen/krank..._JjKbNoKSn6A--

Italiano
http://www.bag.admin.ch/themen/krank..._JjKbNoKSn6A--

English
http://www.bag.admin.ch/themen/krank..._JjKbNoKSn6A--

The supplementary insurance may have restrictions, but you have not specified exactly what type of policy you bought.
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Old 29.11.2015, 11:10
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Re: Just got screwed by Concordia-sharp practice

That sounds like supplemental cover, which doesn't have a cancellation date of tomorrow, afaik. But, it depends on your contract.
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Old 29.11.2015, 11:14
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Re: Just got screwed by Concordia-sharp practice

They can't refuse you basic cover for the condition, so you are still insured. You are just not covered for the private cover for this condition. You would probably find the same with any other insurer. You could always just cancel the private cover, but as you are covered for everything else, might be worth keeping.
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Old 29.11.2015, 11:14
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Re: Just got screwed by Concordia-sharp practice

(my editor function is still not working)

As you have signed up for 5 years, it might mean you cannot change insurers for the next 5 years... you should write to them immediately, cancelling the policy. This letter must be in their office tomorrow, 30th November 2015, so you must hand deliver it and ask for a receipt.

That is the minimum action, the next step is to find out if you can indeed break the contract.
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Old 29.11.2015, 11:34
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Re: Just got screwed by Concordia-sharp practice

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(my editor function is still not working)

As you have signed up for 5 years, it might mean you cannot change insurers for the next 5 years... you should write to them immediately, cancelling the policy. This letter must be in their office tomorrow, 30th November 2015, so you must hand deliver it and ask for a receipt.

That is the minimum action, the next step is to find out if you can indeed break the contract.
bad plan as no other insurer will take the OP without excluding this precondition.
Best is to either accept it or to give up on supplementary insurance at all (not sure if that is a good idea)
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Old 29.11.2015, 11:37
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Re: Just got screwed by Concordia-sharp practice

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bad plan as no other insurer will take the OP without excluding this precondition.
Please read post #3 again, pre-conditions must be accepted in the basic insurance.
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Old 29.11.2015, 11:46
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Re: Just got screwed by Concordia-sharp practice

Yes we all know that- but what is happening here is that the Insurance (= NO insurance) will give him private/supplemental cover for that specific condition, but he will still be covered by basic. It is very unlikely he will find another insurance to give him supplemental/private for a pre-existing condition, so k & e is spot on.

The good news is that if you do develop any other health issues from now on- having taken supplemental cover now, you will be covered.

It's awful, but it is the way it is. OH has had a severe kidney condition since he was 21, and we had huge problems all our lives with mortgages and life insurance- as they all excluded his kidneys. Thank goodness he made it to the magical age of 60 and will soon be 70 and in fine fettle.
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Old 29.11.2015, 11:57
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Re: Just got screwed by Concordia-sharp practice

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Please read post #3 again, pre-conditions must be accepted in the basic insurance.
yes, but the issue is obviously about supplementary insurance as nothing can be excluded from basic insurance.
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Old 29.11.2015, 12:25
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Re: Just got screwed by Concordia-sharp practice

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yes, but the issue is obviously about supplementary insurance as nothing can be excluded from basic insurance.
Nothing has been stated either way, so why jump to conclusions?
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Old 29.11.2015, 12:31
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Re: Just got screwed by Concordia-sharp practice

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Nothing has been stated either way, so why jump to conclusions?
He did say in the OP that he has been with Concordia for four years without issues (except for the French) and he is extending the cover to include supplementary cover.

I take that to mean that it is only the supplementary insurance he is adding on that is refusing to cover the kidney problem which they are perfectly entitled to do. As others have said he is unlikely yo be covered for that by any supplementary cover as it is a pre existing condition so he should actually consider himself lucky that he was accepted with just that as an exclusion and not just flat out refused supplementary cover.
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Old 29.11.2015, 13:19
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Re: Just got screwed by Concordia-sharp practice

You guys are amazing - thank you for your advice! I am amazed by the number of responses to my chagrin.

I am writing to the executives right now and also sending a complaint to FINMA. For some reason they want me to get a certificate from my dentist as well...god knows what thats about as I have not been to the dentist for 18 months.

After reading your responses I think that if I got a stone in the next decade then i am "supposed to be covered by basic insurance". Because my wife is still in a delicate state I have to tread carefully with how I berate the insurer...haha. Anyway they cost me a sleepless night through stress.

Pooh
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Old 29.11.2015, 13:21
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Re: Just got screwed by Concordia-sharp practice

Thank You
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Old 29.11.2015, 13:30
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Re: Just got screwed by Concordia-sharp practice

I feel your pain- but I can't see how a complaint will help- as it is the norm and totally legal for insurances to exclude pre-existing conditions from supplemental cover. We, for instance, as we arrived here older and with several pre-existing conditions each- were just told 'NO' - no supplemental cover at all. There would have been no point in complaining about this- as supplemental insurance is run as a business- with the providers ensuring they make a profit out of you, rather than a loss- which makes total business sense.

And yes, dental insurance is ALWAYS only given once a full dental examination is done, with x-rays- to ascertain, again, if you are a good risk or not. If your teeth are in poor condition, if your wisdom teeth show on x-ray they will cause trouble, etc, etc, they will either say NO or yes but not for xyz.
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Old 29.11.2015, 13:36
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Re: Just got screwed by Concordia-sharp practice

Teeth! I had 2 teeth removed 18 months ago and mega deep clean (after not going to the dentist for 20 years) and have been hunky dory ever since. I have not been since then and fanatical about teeth brushing 5 to 6 times a day.
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Old 29.11.2015, 14:01
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Re: Just got screwed by Concordia-sharp practice

Small but important Tip:

You can quit your basic cover until November 30th every year.

You can also quit your supplementary cover even if you have a contract for 5 years IF the price goes up from year to year.

If you dont manage to quit this year keep an eye on it for next year.

I just managed to quit my Mutuel supplementary covers because of this.
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Old 29.11.2015, 14:21
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Re: Just got screwed by Concordia-sharp practice

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Teeth! I had 2 teeth removed 18 months ago and mega deep clean (after not going to the dentist for 20 years) and have been hunky dory ever since. I have not been since then and fanatical about teeth brushing 5 to 6 times a day.
That's all beside the point. Insurance is all about risk and the insurance company needs to ascertain the risk before agreeing to insure you. The dental check is to ensure that there are no underlying dental issues which may result in costly treatment in the future. It's all perfectly normal and standard procedure and no insurer will provide dental cover for adults ( or children above a certain age for that matter) without a dental check first.

My husband and son both have dental cover but I don't. I have two milk teeth (upper canines) which technically should have fallen out years ago but haven't. The dental cover would have excluded these two teeth so I decided it wasn't worth getting the insurance as the amount I save on the premiums more than covers the amount I spend on dental treatment every year. It will be vastly if/when I lose the milk teeth but that's something I'll have to suck up when/if it happens.
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Old 29.11.2015, 14:25
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Re: Just got screwed by Concordia-sharp practice

They have to provide basic health insurance, no questions asked and you can chose the model and franchise.

Anything else is optional and up to them to decide if they want you or not so what exactly are you are going to complain about ?
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