Go Back   English Forum Switzerland > Help & tips > Insurance  
 
Thread Tools Display Modes
Prev Previous Post   Next Post Next
  #1  
Old 19.05.2017, 18:43
Senior Member
 
Join Date: May 2017
Location: Zurich
Posts: 288
Groaned at 29 Times in 20 Posts
Thanked 397 Times in 215 Posts
terrifisch has an excellent reputationterrifisch has an excellent reputationterrifisch has an excellent reputationterrifisch has an excellent reputation
Beware of Cigna!

I recently moved to Zurich with my husband and have been doing a lot of research into Health Insurance. I applied for Sanitas Basic and Supplemental (as we spend a fair amount of time in the US) and I was accepted for both but my husband was rejected for Supplemental - I assume because he is taking low dose meds for cholesterol and blood pressure. Sanitas did not specify and only wrote that he did not meet their profile risk for Supplemental insurance.

I saw an ad for Cigna International and thought I would give them a try. I thought I would caution those who contact Cigna as the agents use some high pressure sales tactics to sell their insurance. I am sure their product itself is very good EXCEPT that unless one applies for and is granted an exemption from the Gemeinde/canton, the Gemeinde may not recognise Cigna and in effect, make you take out a basic policy on top of the International/Worldwide insurance you have with Cigna (basically double insurance!)

The Cigna agent with whom I spoke, assured me that the exemption would be granted as a formality. I told him I would not sign on until I had the exemption in hand. Flash forward... and I submit the Exemption form and cover letter to the Gemeinde (my husband meets the criteria as he is 55 and can obtain better healthcare for his condition than what Sanitas offered (since we are in the US 4-6 weeks during the year).

The Gemeinde asked me to have Cigna sign and complete a form "H" which basically lists the services they would provide my husband (they would issue his insurance worldwide with no exclusions), fee choice of hospitals, doctors, prescription meds etc... The only problem is, when I asked Cigna to sign the form/declaration, they refused to do so. They said, via phone, they cannot sign anything until I pay for the insurance upfront (which I have no guarantee that the Gemeinde will recognise/approve). And so I am left in a Catch 22...

I wasted 4 weeks and a lot of time with a company (Cigna) who refused in the end to cooperate. I ended up taking Basic insurance with Sanitas for my husband and me and just obtained Allianz for private annual medical travel insurance when we travel overseas. Interesting in that I saved quite a bit on the Premium by going this route as well.

Wish I had known this information from the outset but wanted to caution those who may contemplate using Cigna going forward. Their product may be very good once approved but their service/help in terms of assisting in the approval process leaves a lot to be desired!
Reply With Quote
The following 2 users would like to thank terrifisch for this useful post:
 




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
People of Basel, beware! McTAVGE Daily life 5 05.08.2016 15:32
Beware of fitness bands RetiredInNH Sports / Fitness / Beauty / Wellness 12 28.04.2014 14:55
Beware of ToyTownGermany.com ! paulklein International affairs/politics 75 24.02.2014 12:53
Beware of keller shipping group! ukoman Complaints corner 6 21.06.2013 15:44
beware of fake indian food resturants RivellaFan Complaints corner 26 24.04.2008 11:45


All times are GMT +2. The time now is 16:03.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0