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Old 19.09.2012, 23:26
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Basic and complimentary health insurance in different companies


If someone can comment how insurance companies resolve the situations when complimentary and basic are in different places -- I would appreciate it. Any advice or review of current state of EGK would be also very helpful.

My situation is following: in the beginning of this year I was with EGK, and had their basic and complimentary insurance. After a hike of the basic charges by EGK I moved to Supra in May, but my complimentary insurance stayed with EGK (I was not allowed to move, these rates did not change).

Now, I have not yet used neither my complimentary insurance with EGK and even my basic insurance with Supra this year, so I have no idea how good or bad they are. Both have quite low rates BUT also low ratings. I was told that parts of EGK that are responsible for basic and complimentary insurances are completely different, and I have no idea if the rating on comparis.ch for EGK reflects complimentary insurance services.

I am trying to decide now if I just keep EGK for the next year and perhaps change SUPRA for a better company, or it is better to move from EGK and try and get both policies (basic and complimentary) together from yet another company. If I cancel EGK, I have to cancel it before 30th of September, even before basic rates for 2013 are published -- so I do not know how to choose where to move. So far I was able to get quotes only from a few companies, and some of them are very very high -- much higher than I pay now.

And the last question: is there any age profile for complimentary insurance? What I mean is that as we get older, we usually get less healthy. I guess that to be approved for complimentary insurance at 50 is much more difficult than at 20 (even with no pre-existing conditions). But do insurance companies "drop" people (at some point refuse to extend complimentary coverage) when the patrons get older? That would be cruel, but would save tons of money for the company. In other words, does it help to find a good complimentary coverage early and then stick with it, changing perhaps the basic, or one does not earn any "brownie points" by staying in one place on complimentary and paying up from 20 to 50?

Thanks a lot for reading this!
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Old 21.09.2012, 15:10
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Complimentary health insurance

Well, I guess my post was too long or the problem is not common, as it did not get any replies.

I would appreciate nevertheless if someone can share their experience about complimentary insurance, especially hospital semi-private and flex options.

I am curious how it works and if there are (often) problems with the coverage. I know a lot about US experience where one has to fight the insurance companies to agree to cover hospital stays essentially on case by case basis.
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Old 21.09.2012, 15:39
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Re: Basic and complimentary health insurance in different companies

I posted a similar question some months ago and got no answer.

It depends on the treatment and payment schema. For surgery or hospitalizations it's common that the Hospital deals directly with the insurance(s).

For regular medical expenses it seems that the procedure is to request two invoices, send one to the Basic insurer, see what it rejects to pay and then send the other copy to the Complementary insurer.

Complementary insurers can refuse to insure people based on the common age and health factors, and you could lose some or all coverage in case you lie in your application.
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