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Old 19.05.2017, 17:43
terrifisch terrifisch is online now
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Beware of Cigna!

I recently moved to Zurich with my husband and have been doing a lot of research into Health Insurance. I applied for Sanitas Basic and Supplemental (as we spend a fair amount of time in the US) and I was accepted for both but my husband was rejected for Supplemental - I assume because he is taking low dose meds for cholesterol and blood pressure. Sanitas did not specify and only wrote that he did not meet their profile risk for Supplemental insurance.

I saw an ad for Cigna International and thought I would give them a try. I thought I would caution those who contact Cigna as the agents use some high pressure sales tactics to sell their insurance. I am sure their product itself is very good EXCEPT that unless one applies for and is granted an exemption from the Gemeinde/canton, the Gemeinde may not recognise Cigna and in effect, make you take out a basic policy on top of the International/Worldwide insurance you have with Cigna (basically double insurance!)

The Cigna agent with whom I spoke, assured me that the exemption would be granted as a formality. I told him I would not sign on until I had the exemption in hand. Flash forward... and I submit the Exemption form and cover letter to the Gemeinde (my husband meets the criteria as he is 55 and can obtain better healthcare for his condition than what Sanitas offered (since we are in the US 4-6 weeks during the year).

The Gemeinde asked me to have Cigna sign and complete a form "H" which basically lists the services they would provide my husband (they would issue his insurance worldwide with no exclusions), fee choice of hospitals, doctors, prescription meds etc... The only problem is, when I asked Cigna to sign the form/declaration, they refused to do so. They said, via phone, they cannot sign anything until I pay for the insurance upfront (which I have no guarantee that the Gemeinde will recognise/approve). And so I am left in a Catch 22...

I wasted 4 weeks and a lot of time with a company (Cigna) who refused in the end to cooperate. I ended up taking Basic insurance with Sanitas for my husband and me and just obtained Allianz for private annual medical travel insurance when we travel overseas. Interesting in that I saved quite a bit on the Premium by going this route as well.

Wish I had known this information from the outset but wanted to caution those who may contemplate using Cigna going forward. Their product may be very good once approved but their service/help in terms of assisting in the approval process leaves a lot to be desired!
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