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  #41  
Old 24.11.2017, 12:19
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Re: Cancelling or changing your health insurance

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They may not send one unless requested.

But that's not what you're most interested in anyway: Confirmation by the old insurance is the really important bit because they must not let you go unless they have confirmation by the new insurance.
Oh But i will be moving to cigna-international as an expat.

https://www.englishforum.ch/insuranc...itzerland.html
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  #42  
Old 06.12.2017, 21:58
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Re: Cancelling or changing your health insurance

hello,

I would like to know, how is with paying health insurance in following scenario.

Lets say you move from abroad in canton A, where you register. You choose to pay a health insurance plan of CHF400/month there. Then after two months, you move to canton B, to live and work there, when same plan costs you CHF300/month.

Does in such scenario one continues to pay CHF400/month or he can switch to other premium (CHF300) when he moves to other canton?
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  #43  
Old 07.12.2017, 09:33
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Re: Cancelling or changing your health insurance

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Does in such scenario one continues to pay CHF400/month or he can switch to other premium (CHF300) when he moves to other canton?
The premium due is always based on your current residence (expect it to be switched at the end of the month if you move during the month). So if you were to move January 20, say, your premium for January would be calculated based on your old residence, and February based on your new one. Same if you move January 31.
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  #44  
Old 10.12.2017, 16:25
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Re: Cancelling or changing your health insurance

Our insurer informed us Oct 3rd that our rates would be increasing in 2018. We tried to change before the end of November but were informed that because we had already signed a contract for 2018 (before the rates went up), we could not change until 2019 (i.e., giving notice sometime before end of November 2018).
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  #45  
Old 03.02.2018, 21:04
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Re: Cancelling or changing your health insurance

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If I remember right, it starts the day you official live in the new town. However, your insurer should know best and also be so informed.
Hello all, if I can complicate the question a little more: last week I announced to my insurer that I'd be moving from Vaud canton to Geneva on 15 Feb, just so they know my new address. To my surprise today I got a letter notifying me that due to the move my insurance fee would be 13% higher from 1st March on .
I know that under normal conditions it's only at the end of the year that one can change insurer (or maybe from July but only if the insurance is with minimum deductible which is not my case).
Does anyone here know if there's a chance I can change insurance company now, mid-year, on the basis that they changed my monthly fees because of the move?
Thanks a lot.
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  #46  
Old 03.02.2018, 21:46
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Re: Cancelling or changing your health insurance

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Hello all, if I can complicate the question a little more: last week I announced to my insurer that I'd be moving from Vaud canton to Geneva on 15 Feb, just so they know my new address. To my surprise today I got a letter notifying me that due to the move my insurance fee would be 13% higher from 1st March on .
I know that under normal conditions it's only at the end of the year that one can change insurer (or maybe from July but only if the insurance is with minimum deductible which is not my case).
Does anyone here know if there's a chance I can change insurance company now, mid-year, on the basis that they changed my monthly fees because of the move?
Thanks a lot.
Different cantons, different prices.

And no you can not cancel due to this. If it would have been the other way around you would have gotten a nice discount of 11,5% and never complain.
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  #47  
Old 04.02.2018, 01:24
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Re: Cancelling or changing your health insurance

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If I remember right, it starts the day you official live in the new town. However, your insurer should know best and also be so informed.
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Different cantons, different prices.

And no you can not cancel due to this. If it would have been the other way around you would have gotten a nice discount of 11,5% and never complain.
Thanks for taking the time to respond, even if it didn't exactly help.
Different cantons, different prices but even in Geneva, insurers proposing less abusively high fees exist. So I would like to find the way to switch over to one of those ASAP without having to pay the imposed increased fee of my current insurer for the rest of the year.
And of course I wouldn't complain if there had been a drop in the price, why would I? - not sure I understand the intent of that part of your comment.
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  #48  
Old 04.02.2018, 12:06
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Re: Cancelling or changing your health insurance

What bit of no, you can't, didn't you understand? There is no way to switch over until the renewal comes up next November.
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  #49  
Old 04.02.2018, 13:30
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Re: Cancelling or changing your health insurance

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What bit of no, you can't, didn't you understand? There is no way to switch over until the renewal comes up next November.
As you can see in my original post, I understand that undernormal conditions November is the only time to change. No need to be condescending and rude. I wrote here to maybe hear from someone who already tried to arrange something similar. Is that your case or what is the source of your certainty?
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Old 04.02.2018, 13:53
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Re: Cancelling or changing your health insurance

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As you can see in my original post, I understand that undernormal conditions November is the only time to change. No need to be condescending and rude. I wrote here to maybe hear from someone who already tried to arrange something similar. Is that your case or what is the source of your certainty?
Because you can only change by the end of November, and afaik also only after 1 full year of insurance. Simple, there is no way around that apart from deregistering, moving out of the country and move back in
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  #51  
Old 04.02.2018, 13:57
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Re: Cancelling or changing your health insurance

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As you can see in my original post, I understand that undernormal conditions November is the only time to change. No need to be condescending and rude. I wrote here to maybe hear from someone who already tried to arrange something similar. Is that your case or what is the source of your certainty?
https://en.comparis.ch/immobilien/umzug/kantonswechsel

And what makes you believe that changing kanton are abnormal conditions?
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  #52  
Old 04.02.2018, 13:59
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Re: Cancelling or changing your health insurance

This is a normal condition, not something special. I thought EdwinNL had made that clear - different cantons, different prices. If you move to a canton with a higher premium with your insurer then you have to pay the increase. If you move to a canton with a lower insurance premium with your insurer then you'd pay less. This is normal. You can cancel in November, not before.
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  #53  
Old 04.02.2018, 14:05
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Re: Cancelling or changing your health insurance

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Because you can only change by the end of November, and afaik also only after 1 full year of insurance. Simple, there is no way around that apart from deregistering, moving out of the country and move back in
If he only has the normal obligatory basic insurance with a deductible of 300,- with free choice of care providers he can also cancel per the 1st of July with a cancellation period of 3 months.
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  #54  
Old 04.02.2018, 14:18
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Re: Cancelling or changing your health insurance

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T
Different cantons, different prices but even in Geneva, insurers proposing less abusively high fees exist. So I would like to find the way to switch over to one of those ASAP without having to pay the imposed increased fee of my current insurer for the rest of the year.

And of course I wouldn't complain if there had been a drop in the price, why would I? - not sure I understand the intent of that part of your comment.
First the fees for compulsory basic insurance is approved by the federal council. Not much ground to claim that they are abusive.

The intention is that you are silently happy if the law plays in your favor but make a lot of ruckus if the law and regulation is not how you like it.

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As you can see in my original post, I understand that undernormal conditions November is the only time to change. No need to be condescending and rude. I wrote here to maybe hear from someone who already tried to arrange something similar. Is that your case or what is the source of your certainty?
Court cases how Art. 7 Al. 3 LaMAL (Art. 7 Abs. 3 KVG) shall be interpreted in case the very same insurance is offered at the new place of residence.
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  #55  
Old 04.02.2018, 14:19
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Re: Cancelling or changing your health insurance

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If he only has the normal obligatory basic insurance with a deductible of 300,- with free choice of care providers he can also cancel per the 1st of July with a cancellation period of 3 months.
Sure, you can. But I assumed that OP would have a high deductible to lower the cost he is complaining about
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  #56  
Old 04.02.2018, 14:25
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Re: Cancelling or changing your health insurance

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Sure, you can. But I assumed that OP would have a high deductible to lower the cost he is complaining about
You do not have to assume such, I just read back and he even mentions in his first post in this topic that he does not have the minimal deductible.

So end of the year it is.
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  #57  
Old 05.02.2018, 23:10
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Re: Cancelling or changing your health insurance

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Because you can only change by the end of November, and afaik also only after 1 full year of insurance. Simple, there is no way around that apart from deregistering, moving out of the country and move back in
It does sound like that unfortunately . Although a couple of insurance brokers lined up to speak with me with the promise to help, so that's promising, even if unlikely to succeed.
I just find it a bitter pill to swallow that there was no way I could have avoided this situation, given that last November when I had the option to change, I had no idea if/when/where I would be moving.
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  #58  
Old 05.02.2018, 23:13
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Re: Cancelling or changing your health insurance

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...a couple of insurance brokers lined up to speak with me with the promise to help, so that's promising, even if unlikely to succeed...
Be careful. Brokers aren't in it to help you. They're in it to line their own pockets. We've seen many stories here on EF where users "requested info" or signed something they thought was a request for a quote, only to find out the broker signed them up for an insurance they didn't want or need.
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Old 05.02.2018, 23:28
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Re: Cancelling or changing your health insurance

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Be careful. Brokers aren't in it to help you. They're in it to line their own pockets. We've seen many stories here on EF where users "requested info" or signed something they thought was a request for a quote, only to find out the broker signed them up for an insurance they didn't want or need.
Thanks for the warning 3Wishes. I'm always very careful with brokers-but at least they are a good source of information to find out if anything can be done - which I have less and less hope for now.
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  #60  
Old 06.02.2018, 00:02
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Re: Cancelling or changing your health insurance

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Thanks for the warning 3Wishes. I'm always very careful with brokers-but at least they are a good source of information to find out if anything can be done - which I have less and less hope for now.
If those brokers would be honest than they would tell you that there is zero ground to change this situation. Brokers who tell otherwise have no clue what they are doing or simply lying to you.
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