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Old 21.08.2017, 11:32
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semi-private insurance rejection

I was rejected for my application for a semi-private insurance in Assura.Can I try other companies?
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Old 21.08.2017, 11:35
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Re: semi-private insurance rejection

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I was rejected for my application for a semi-private insurance in Assura.Can I try other companies?
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Try whoever you want
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Old 21.08.2017, 11:45
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Re: semi-private insurance rejection

Try Swica.

Tom
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Old 21.08.2017, 13:21
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Re: semi-private insurance rejection

You can, and should, try others.

Be aware, however, that most will ask if you have been previously rejected.

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Is the reason for rejection something that might not be a permanent bar? For instance, OH was initially rejected because he was ca 10kg overweight. So he lost the weight, got a note from the doctor that he was now a healthy weight, and the company that rejected him was then glad to accept his money.

On the other hand, many medical conditions are an outright rejection. In my case, even just being tested for a condition was enough, despite the test being negative. That I was tested meant I fell into a risk group, even though I do not have the disease.

IIRC there are even some stories here on EF of people getting partial supplementary insurance, that is, coverage for anything but a restricted condition.

So you might want to go back to the insurer, ask if there are possibilites of being taken on if circumstances change.


---

If a primary reason you want the supplemental coverage is so that you can upgrade your room or have a senior physician care for you in the hospital, be aware that many hospitals and some physicians offer that option on a per-admission basis, assuming that there is capacity available.

I only have basic insurance, but for a recent surgery was able to pay out of pocket to upgrade the room. I chose a single room on the general ward floor, the cost was CHf 200 per night. I could have upgraded to the private ward for something like 400 per night, but I couldn't see the value there, as the only difference seemed to be flowers in the room and the morning newspaper.

At this hospital post-surgical care is in the hands of nurses, so upgrading to be able to see a senior doctor didn't make sense... because I wasn't going to be cared for by a doctor in any case.

I got lucky with the choice of surgeon. Normally my basic insurance would have meant that I had to have a staff surgeon at the hospital... but my GP had some decided opinions about certain surgeons so she arranged for the op to be done by someone she felt was reputable. Normally I'd have to pay an extra fee to the surgeon for this, but because this was someone in my GP's professional network (nothing to do with insurance) the surgeon she felt I should have agreed to do my op for the basic fee.

Long winded way of saying:

If you can't get supplementary insurance, don't despair. There are still ways to get access to senior doctors, and ways to get a private room.

In fact, running the numbers I've found that my basic insurance plus an out of pocket upgrade when needed is likely to be less expensive than paying for supplementary for years.

YMMV.
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Old 21.08.2017, 14:23
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Re: semi-private insurance rejection

I was only allowed basic when I first got here. I think if I applied now for extras I'd be okay, but in the meantime, I get the impression they aren't worth it.
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Old 06.09.2017, 16:16
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Re: semi-private insurance rejection

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I was only allowed basic when I first got here. I think if I applied now for extras I'd be okay, but in the meantime, I get the impression they aren't worth it.

There are quite clear rejection reasons. Some insurance companies as if you ever have had xyz, some others if you have had xyz in the past 5 years. Some ask if you ever was refused an additional health insurance or a life insurance and some others if you have been rejected in the past 5 years.
BMI over 30.5 is for almost every insurarer a no-go, also if you are a smoker and your BMI is over 27 then very lightly they will refuse. If you have had mental problems (anorexia, depression, burn out…) you will not get the additional insurance. And since some of the additional health insurances cover also massages, if you tell them that you go to massage regularly, they might reject.

If an additional health insurance is worth of it or not is very individual. An athletic person who loves to go to gym, might want the additional insurance from SWICA. Someone traveling a lot probably wants from Sanitas the unlimited coverage of all medical costs globally (not only emergencies and no upper limit of coverage ->important for US). Someone who prefers alternative medicine also profit from the additional insurance as the mandatory basic insurance doesn’t cover those costs.

All the people with high health costs who have an additional insurance are happy to have it. All very healthy people who have very low health costs are happy not to have it and so save a lot of money. But the problem is, that when the healthy person becomes sick, he won’t get the insurance anymore.
For me I have taken a compromise. I have additional insurance for some other things (alternative medicine, some contribution to my gym fee, worldwide unlimited coverage…) and an option for semi-private insurance. The option costs me only about 10 francs per month and is valid for 20 years. So should I become sick when I grow older, I can upgrade without a new heath questionnaire.


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Old 07.09.2017, 12:57
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Re: semi-private insurance rejection

try Swica
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