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Old 27.04.2011, 08:37
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Why would an original offer change?

I've tried searching for answers but I've come up with nothing. I received an offer for monthly health insurance premiums, filled it in and signed it. The policy is now confirmed but around 25 CHF more per month than what I signed on the offer. I've tried following it up and I'm awaiting a response. In the meantime, any input here would be super helpful as I'm a bit baffled. Thanks!
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Old 27.04.2011, 08:47
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Re: Why would an original offer change?

Did you have a birthday that would be relevant in between the offer and the confirmation ?
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Old 27.04.2011, 08:59
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Re: Why would an original offer change?

The insurance I have (Sanitas) has a policy that you can withdraw from the insurance contract within a certain time (e.g. 14 days).

If yours have a similar policy, be sure not to overstep the respective date.

Otherwise the policy will be valid for a year.
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Old 27.04.2011, 09:07
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Re: Why would an original offer change?

No recent birthday. I just received the following reply when I asked why the confirmation showed a different amount than the offer I signed.

"Because we send you this List before HMO; Kein Arzt/Praxis angegeben, vorab Standard erfasst und Liste zugestellt.
You have to choose one of Doktoer or HMO- Zentrum in our List, so that you can have the HMO- Modell."
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Old 27.04.2011, 09:43
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Re: Why would an original offer change?

Sounds like your not on the HMO model you were quoted for, did you specify a DR?

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No recent birthday. I just received the following reply when I asked why the confirmation showed a different amount than the offer I signed.

"Because we send you this List before HMO; Kein Arzt/Praxis angegeben, vorab Standard erfasst und Liste zugestellt.
You have to choose one of Doktoer or HMO- Zentrum in our List, so that you can have the HMO- Modell."
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Old 27.04.2011, 09:46
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Re: Why would an original offer change?

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Sounds like your not on the HMO model you were quoted for, did you specify a DR?
No, I didn't. Should I have?
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Old 27.04.2011, 10:40
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Re: Why would an original offer change?

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The policy is now confirmed but around 25 CHF more per month than what I signed on the offer.
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"Because we send you this List before HMO; Kein Arzt/Praxis angegeben, vorab Standard erfasst und Liste zugestellt.
You have to choose one of Doktoer or HMO- Zentrum in our List, so that you can have the HMO- Modell."
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Sounds like your not on the HMO model you were quoted for, did you specify a DR?
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No, I didn't. Should I have?
What was the original question again?
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Old 27.04.2011, 11:01
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Re: Why would an original offer change?

Yes !

* * * * * * *

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No, I didn't. Should I have?
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Old 27.04.2011, 18:13
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Re: Why would an original offer change?

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What was the original question again?
I asked how one can avoid getting sick. Ever.
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Old 27.04.2011, 18:14
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Re: Why would an original offer change?

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Yes !

* * * * * * *
Elaborate a little please? I won't see you rolling your eyes but feel free to use the corresponding smilie if one is available. ;p

(thank you!)
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Old 27.04.2011, 18:41
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Re: Why would an original offer change?

The whole point of the HMO-Model is that you name a doctor to whom you then
will have to go, it's then his responsibility to send you to specialists if required.
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Old 27.04.2011, 19:18
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Re: Why would an original offer change?

Well, you don't HAVE to pick a doctor. You can pay the extra and have a different type of insurance, which is what I would do as I have the HMO, pick one dr type system. Oh, unless the 25CHF is a fine for not picking a dr instead of putting you in a different type of model.
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