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Old 30.05.2017, 03:11
terrifisch terrifisch is offline
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Re: Beware of Cigna!

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Interesting. I took out a Cigna International policy before our move to Zurich. The Cigna policy provides coverage worldwide including the US (up to 90 days stay in the States). We mailed in the 48 page document outlining the policy coverage to the local <insert long name office> for review. Our policy rejection letter came yesterday. The Cigna policy far exceeds the coverage of the basic Swiss policies I'm researching today, but it looks like we'll end up with both.

Sigh.
Your situation is exactly what my husband and I feared most: Cigna used a high pressured sales pitch (on me at least) to get us to commit and said obtaining the exemption was a "no brainer" and easy to obtain but from what I have read, obtaining an exemption is subjective and depends upon the canton in question (notwithstanding the person in the Gemeinde processing the exemption). What I find interesting is that other reputable worldwide insurance carriers like Aetna International will not even give a quote for private worldwide health insurance to those "expats" living in Switzerland. I imagine that Aetna has experienced issues with clients who have purchased its cover for insurance and which later, the Gemeinde has rejected.

What is lousy for you is that now you will have to pay for basic insurance from a Swiss recognised company and yet you already have that coverage through Cigna. Ugh on all levels! In my view, Cigna needs to be more transparent; they cannot sell their product in a country and state that exemptions are easy to obtain when that is clearly not the case. This is why I wrote my email initially -namely to caution others from paying for a product which may not be recognised in Switzerland.

We ended up going with Sanitas for our basic insurance (they have a policy in english) and so far so good. I also took out an annual medical travel insurance policy with Allianz to cover us when we travel abroad (as we do so often). I wish you all the best with your Swiss medical research
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