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Old 26.07.2012, 17:36
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a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

Hello,
I have received a reminder bill to renew the Spitaltaggelbversicherung for my wife. Since we don't plan to have another child in a year and she has not been hospitalized for years, we decide not to buy this type of insurance anymore. And actually we did not benefit from it at all last year. I called the insurance agent and she told me that I still have to pay since the new 12-month coverage has started, and I can only cancel for year 2013-14.
Is this true? Based on my experience in the US, I should be able to cancel this type of non-mandatory insurance any time, or just ignore the bill and it will be automatically canceled.
Your experience will be appreciated!
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Old 26.07.2012, 17:39
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

In CH ( as well as in some other countries in Europe ) contracts are auto-renewing. At least two months prior to expiry, you´d have to hand in your Kündigung ( Notice of Termination ), ideally by registered mail.

Search the forum for contract+auto+renewal+renewing for several useful threads like these:

Insurance expires ?

Consumer law on automatic renewal of contracts

Sunrise contract termination frustrations

The Reoccurring Abo Trap

As the EFers would say, you might have been Switzerlanded.

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you can cancel one time per calendar year, for the 31.12. Means that you have to send a cancellation letter 3 months before the annual renewal of the insurance. Attention, if the letter is sent after the 30.09 (post stamp is important) we cannot accept the cancellation and the contract is renewed for one year more.
Source

It is today slightly more than 2 months to 30.09.2012
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Last edited by jrspet; 26.07.2012 at 18:19.
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  #3  
Old 26.07.2012, 18:49
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

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Hello,
I have received a reminder bill to renew the Spitaltaggelbversicherung for my wife. Since we don't plan to have another child in a year and she has not been hospitalized for years, we decide not to buy this type of insurance anymore. And actually we did not benefit from it at all last year. I called the insurance agent and she told me that I still have to pay since the new 12-month coverage has started, and I can only cancel for year 2013-14.
Is this true? Based on my experience in the US, I should be able to cancel this type of non-mandatory insurance any time, or just ignore the bill and it will be automatically canceled.
Your experience will be appreciated!
Nothing in Switzerland is ever automatically canceled. The bills will just keep accumulating.

I'm not sure what this insurance is though. But I'm not sure I'd want to be without hospitalization insurance.
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Old 26.07.2012, 20:26
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

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I
As the EFers would say, you might have been Switzerlanded.

... or as we Swiss say: "Never sign a contract before reading it!"
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Old 26.07.2012, 20:53
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

You need to read this:

http://en.comparis.ch/krankenkassen/...enwechsel.aspx

Last edited by Sbrinz; 06.12.2015 at 04:34.
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Old 26.07.2012, 21:07
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

What is this hospitalization insurance? Hospital is included in health insurance isn't it?
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Old 26.07.2012, 21:12
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

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What is this hospitalization insurance? Hospital is included in health insurance isn't it?
I think he means the insurance to upgrade from standard 4 person room, to semi-private and private conditions.
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Old 26.07.2012, 21:23
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Re: a question regarding Hospital Benefit Insurance (Spitaltaggelbversicherung)

It is a insurance where my wife will get some 80 CHF a day from the insurance on top of any reimbursement when hospitalized. The premium is some 480 CHF a year.
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What is this hospitalization insurance? Hospital is included in health insurance isn't it?
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Old 26.07.2012, 21:34
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You'll need to write a letter to cancel the policy, and you can only cancel at specific times of the year. If you don't pay the bill, you could get a betriebung, registered at your gemeinde, and if you want to move or take out a loan, this could impact you negatively. Plus you'll be charged extra fees and fines.
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