Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 28.09.2015, 22:42
Senior Member
 
Join Date: Jun 2009
Location: Zurich
Posts: 458
Groaned at 16 Times in 14 Posts
Thanked 224 Times in 134 Posts
poot is considered knowledgeablepoot is considered knowledgeablepoot is considered knowledgeable
Strange health 'zusatzversichering' system

So health insurances have these 'additional' insurances which give private hospital coverage, alternative medicine coverage etc.

Has anyone here actually used them, and then tried to change insurer? We're just trying now, and finding it impossible!

eg. Oh you've been overnight in a private ward once? No private insurance possible! You've had a few sessions of acupuncture in the last few years? No alternative medicine cover allowed!

Looks like the current insurer will have this business forever.......
Reply With Quote
This user groans at poot for this post:
  #2  
Old 28.09.2015, 22:45
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 18,293
Groaned at 338 Times in 270 Posts
Thanked 17,841 Times in 9,673 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Strange health 'zusatzversichering' system

Quote:
View Post
So health insurances have these 'additional' insurances which give private hospital coverage, alternative medicine coverage etc.

Has anyone here actually used them, and then tried to change insurer? We're just trying now, and finding it impossible!

eg. Oh you've been overnight in a private ward once? No private insurance possible! You've had a few sessions of acupuncture in the last few years? No alternative medicine cover allowed!

Looks like the current insurer will have this business forever.......
Insurers are in business to make a profit, why would they want people who claim & cost them money. Same with car & household insurance.
Reply With Quote
The following 2 users would like to thank fatmanfilms for this useful post:
  #3  
Old 28.09.2015, 22:59
Senior Member
 
Join Date: Jun 2009
Location: Zurich
Posts: 458
Groaned at 16 Times in 14 Posts
Thanked 224 Times in 134 Posts
poot is considered knowledgeablepoot is considered knowledgeablepoot is considered knowledgeable
Re: Strange health 'zusatzversichering' system

Quote:
View Post
Insurers are in business to make a profit, why would they want people who claim & cost them money. Same with car & household insurance.
My dad just had 2 new bathrooms paid by water damage insurance, then changed company to a new one, with full disclosure of what had gone on.

Refusing alternative medicine insurance for someone who's had a few sessions of acupunture in the last 5 years, is a bit ridiculous. Still, at least we have the insurance- I feel sorry for people trying to take it out for the 1st time, who have ever been to a hospital or to an acupuncturist.
Reply With Quote
  #4  
Old 29.09.2015, 07:48
Guest
 
Posts: n/a
Re: Strange health 'zusatzversichering' system

There is probably something more than meets the eye here, as the insurance companies make good money out of supplementary insurance policies.

As it's not obligatory, they can charge what premium they like (and do !).

As for water damaged bathrooms, if it were a burst pipe, this is considered an unfortunate accident. If he had left the taps on and the bathroom flooded this would be considered as a stupid accident and the insurance may not have been so easy to change. Plus of course, they make far more money out of household insurance than medical as it's not obligatory, nor controlled by the state.
Reply With Quote
This user would like to thank for this useful post:
  #5  
Old 29.09.2015, 09:54
Guest
 
Posts: n/a
Re: Strange health 'zusatzversichering' system

People who are older and have pre-existing conditions just cannot get supplementary insurance- for the reasons stated above = not good business risk. The only ones who can seem to be if they are part of a massive business package with a large firm with huge numbers of affiliated employees.
Reply With Quote
This user would like to thank for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
[proposed] new health insurance system simple_person Insurance 95 01.10.2014 23:03
Strange system [document requirements] sagar4u Family matters/health 6 19.08.2014 14:11
Assura Health Insurance system jimdrake Insurance 16 01.05.2012 22:38
I hate this health system!!!! MaKita Family matters/health 67 06.03.2011 23:11
UK Health system Molula General off-topic 9 02.08.2009 13:31


All times are GMT +2. The time now is 23:32.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0