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Old 24.01.2018, 19:14
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Groupe Mutuel activated a student insurance without an exemption

Last year when I first arrived in Switzerland, I applied for Groupe Mutuel's Academic care for students. But then I figured out that I (a postdoc) am not counted as a student and therefore won't get an exemption of KVG. I then informed Groupe Mutuel about this. But interestingly, they activated my contract starting from January 2018 silently. Groupe Mutuel couldn't find me in the beginning of January because I moved in December 2017. But just today they informed me by email that I have a bill for January, which is a very big surprise to me.

I called and was told to email them the proof of my current insurance. I guess it will be taken care of eventually, but I have a few questions.

1. I also told them my new address in the email. Judging from their sloppy process, I guess they will send me the bill first. Should I pay the bill immediately? After how long will I face consequences (Betreibungsamt?) with an unpaid bill?

2. This is a purely hypothetical question and only out of my curiosity. Suppose I keep paying them their bills and one day I send them my hospital bill, would they really reimburse me according to the contract (because it's not KVG the policy is actually pretty good)? Would certain administration be notified during the reimbursement? What would be the consequence for the company not operating under KVG and what would be the consequence for me?
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Old 24.01.2018, 20:30
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Re: Groupe Mutuel activated a student insurance without an exemption

When did you arrive and when did you cancel the insurance? With a registered letter?

Could make a world of difference to the story.
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Old 24.01.2018, 21:23
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Re: Groupe Mutuel activated a student insurance without an exemption

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When did you arrive and when did you cancel the insurance? With a registered letter?

Could make a world of difference to the story.
I arrived in April. The application took a lot of time to go back and forth, and went beyond the 3 month limit. So I signed up with another company. Groupe Mutuel kept sending mails asking for the proof of enrollment (forgot the German word) and wanted to start in January 2018. I vaguely remember they even wrote they can't activate without it, but I'm not completely sure. I replied using their attached business envelope saying I am not eligible and therefore I can not sign up for this insurance. It's probably not a registered mail but at that time I thought that such a contract, if activated, would be illegal for them anyhow.

They did respond to my mail though, but the content was weird. It repeated that when I obtain the exemption in the future, I can still use their product. At that time I only submitted an application but never saw a contract, I thought it's okay that there was no confirmation of cancellation or this kind of thing.

By the way, the whole thing was done via some kind of agency. They submitted the application on my behalf. In the beginning since they kept advertising in the classroom, I thought they are sort of associated with the university. But turns out I was misled and they are very incompetent and inefficient at least in my case.

Last edited by cubic; 24.01.2018 at 21:33.
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