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Old 18.01.2019, 18:36
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In a bit of a pickle - doubly insured

Evening people.

I am a rather newcomer to Switzerland(August.2018) and as one should I have applied for an insurance online(around Sept.). Problem is, I have not received any answers or replies from them at all, and then I though to contact another insurer to fix me up - and they did.

Fast forward to tonight, I get in the mail a bunch of letters with Payslips from insurer no1 saying I have to pay for the entire period(Aug - Dec + January).

I am not having the best of Fridays i hoped.

Is there any way to dismiss insurer no.1 since, I have already payed and am up to date with the one that I signed up for?
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Old 18.01.2019, 19:20
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Re: In a bit of a pickle - doubly insured

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Evening people.

I am a rather newcomer to Switzerland(August.2018) and as one should I have applied for an insurance online(around Sept.). Problem is, I have not received any answers or replies from them at all, and then I though to contact another insurer to fix me up - and they did.

Fast forward to tonight, I get in the mail a bunch of letters with Payslips from insurer no1 saying I have to pay for the entire period(Aug - Dec + January).

I am not having the best of Fridays i hoped.

Is there any way to dismiss insurer no.1 since, I have already payed and am up to date with the one that I signed up for?
"I have not received any answers" means you never got a "Versicherungspolice"?
And you never dealt with them since asking for a quote/never went to a doctor since you came here?

Send No. 1 a copy of your "Versicherungspolice" of No. 2.

If no. 1 never sent you a personal offer - which you need to accept - I have no idea why they think you're their client.
Unless there is more to your story.
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Old 18.01.2019, 19:47
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Re: In a bit of a pickle - doubly insured

They only sent me an offer to which i replied back to, but have not heard anything back since then(until tonight).

In the meantime, i had searched and signed on to another insurer that was more responsive.

But, if insurer 1 har already onboarded me, shouldnt insurer 2 have already seen that i already have a policy with another entity(or vice-versa).
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Old 18.01.2019, 19:55
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Re: In a bit of a pickle - doubly insured

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They only sent me an offer to which i replied back to,
What exactly did you reply to them?

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But, if insurer 1 har already onboarded me, shouldnt insurer 2 have already seen that i already have a policy with another entity(or vice-versa).
Nope, you are completely free to sign up to as much insurances as you please.
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Old 18.01.2019, 19:57
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Re: In a bit of a pickle - doubly insured

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They only sent me an offer to which i replied back to, but have not heard anything back since then(until tonight).

In the meantime, i had searched and signed on to another insurer that was more responsive.

But, if insurer 1 har already onboarded me, shouldnt insurer 2 have already seen that i already have a policy with another entity(or vice-versa).
Insurers don’t check that you are already covered. Hopefully you can negotiate with one or the other to cease coverage as soon as possible.
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Old 18.01.2019, 20:05
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Re: In a bit of a pickle - doubly insured

I sent them back a signed copy of GRUNDVERSICHERUNGSANTRAG.
And now that i see it again it just confirms my stupidity. Looks like i have to deal with both and pay the one I just got up to date.

Now, could i cancel one of them?
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Old 18.01.2019, 20:07
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Re: In a bit of a pickle - doubly insured

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They only sent me an offer to which i replied back to, but have not heard anything back since then(until tonight).

In the meantime, i had searched and signed on to another insurer that was more responsive.

But, if insurer 1 har already onboarded me, shouldnt insurer 2 have already seen that i already have a policy with another entity(or vice-versa).
LOL - if you replied to it I take it, it was not a 'no thank you'?

Where should insurer 2 have seen that you're already insured? This is the country of data-protection
When you cancel health insurance you must prove to them that you are insured with an other before they "let you go". If they could just look that up somewhere, this would not be necessary.

It seems to me you're doubly insured and it's your responsibility. Meaning you owe them both the money. It would be pure goodwill if one of them let you off the hook.
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Old 18.01.2019, 20:28
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Re: In a bit of a pickle - doubly insured

Yup, i fked up. I'll deal with and get up to date with both. Then try to cancel one of then.


Mea culpa.
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Old 18.01.2019, 20:34
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Re: In a bit of a pickle - doubly insured

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Now, could i cancel one of them?
End of the year (2019, it is) - unless you're lucky and one of them let's you off early (most probably not the case.. it's like free money for them.. maybe if you'd be very sick, they might be happy to let you go immediately, so the other one would get all the costs )

Paying health insurance twice for almost 1.5 years, ouch!
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Old 18.01.2019, 20:35
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Re: In a bit of a pickle - doubly insured

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Yup, i fked up. I'll deal with and get up to date with both. Then try to cancel one of then.


Mea culpa.
Hey, respect for admitting you screwed up. That’s rare. I don’t know the answer. I imagine you should be able to cancel one....probably the newer contract. Good luck!
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Old 18.01.2019, 21:20
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Re: In a bit of a pickle - doubly insured

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It seems to me you're doubly insured and it's your responsibility. Meaning you owe them both the money. It would be pure goodwill if one of them let you off the hook.
No, there is a rule saying you only have to pay it once. The second company doesn't have to be paid, you just show them the first one's policy predating theirs. This was already covered on another thread.
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Old 18.01.2019, 21:40
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Re: In a bit of a pickle - doubly insured

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No, there is a rule saying you only have to pay it once. The second company doesn't have to be paid, you just show them the first one's policy predating theirs. This was already covered on another thread.
You mean this: (German tho)



Quote:
Doppelversicherung

1 Wird dasselbe Interesse gegen dieselbe Gefahr und für dieselbe Zeit bei mehr als einem Versicherer dergestalt versichert, dass die Versicherungssummen zusammen den Versicherungswert übersteigen (Doppelversicherung), so ist der Versicherungsnehmer verpflichtet, hiervon allen Versicherern ohne Verzug schriftlich Kenntnis zu geben.

2 Hat der Versicherungsnehmer diese Anzeige absichtlich unterlassen oder die Doppelversicherung in der Absicht abgeschlossen, sich daraus einen rechtswidrigen Vermögensvorteil zu verschaffen, so sind die Versicherer gegenüber dem Versicherungsnehmer an den Vertrag nicht gebunden.

3 Jeder Versicherer hat auf die ganze vereinbarte Gegenleistung Anspruch.
I only read that:

1. When insured at two companies and the total insured amount goes above the actual value OP has to inform the companies.
2. The insurance company is allowed to cancel if OP wanted to profit from this or did not inform the company.
3. Both insurance companies are entitled to their money.

So I hope I miss something (like perhaps a court case on how this should be interpreted) but I do not see a legal solution here.

But before we go for worst case scenario, he should just call them and see how they feel about this, if one says they'll cancel all is done.
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Old 18.01.2019, 22:50
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Re: In a bit of a pickle - doubly insured

Long story short, I had my insurance with company X, wanted to move to Y. Sent all the paperwork on time (before end of November), both new insurance and cancellation document. New year kicks in, I get two invoices from both companies. I freak out and contact the company I thought I had cancelled to ask what happened. They told me they never received a cancellation letter from me (although I sent it by registered post). They asked me if I had the post office receipt, which of course I didn't have as it had been more than 2 months, so they said they cannot cancel my insurance. They did however issue a document saying that I am still insured by them, I took this document, gave it to insurance company Y and they cancelled my new insurance (was really surprised about this).

P.S. What I learnt from this story: ALWAYS keep the registered post receipts for a long time, something that came in handy later on.

I submit my tax recalculation form for 2015, didn't hear from them for about 2 years (thought this was ok because this is how long it took for 2013 and 2014 tax recalculation). Called them at some point and asked about the progress. They said they never received anything. I asked them if I can resubmit, they said no as the three months had passed. Told them I had kept the receipt of the registered post I had sent in 2015 with full address and date, they said that in this case they would accept it. They did, and they gave me back a thousand bucks as I had paid too much tax.
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Old 19.01.2019, 13:56
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Re: In a bit of a pickle - doubly insured

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Yup, i fked up. I'll deal with and get up to date with both. Then try to cancel one of then.


Mea culpa.
You can cancel mandatory health insurance with 3 months notice period per June 30 if, and only if, you have minimum deductible.
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Old 19.01.2019, 14:15
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Re: In a bit of a pickle - doubly insured

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You can cancel mandatory health insurance with 3 months notice period per June 30 if, and only if, you have minimum deductible.
And only the absolute base model, the models where one has to call them first (Telmed) or the GP model don't have this option.

Besides that he is in his first year with both insurances (One as of August, other one later) and there very likely is a minimum contract duration of a yr (and some companies even have up to 5 yrs)
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Old 19.01.2019, 14:19
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Re: In a bit of a pickle - doubly insured

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P.S. What I learnt from this story: ALWAYS keep the registered post receipts for a long time, something that came in handy later on.
A bit late, but you should hold on to all your documents for at least 10 years. I just finished shredding 1998 and even then I held off on things social security payment receipts etc...
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Old 19.01.2019, 14:43
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Re: In a bit of a pickle - doubly insured

The OP however only needs to pay one of these basic insurance policy's premiums, not both as they are not obliged to. By telling one that they have already paid the other, it should be cancelled.
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Old 19.01.2019, 15:36
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Re: In a bit of a pickle - doubly insured

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And only the absolute base model, the models where one has to call them first (Telmed) or the GP model don't have this option.

Besides that he is in his first year with both insurances (One as of August, other one later) and there very likely is a minimum contract duration of a yr (and some companies even have up to 5 yrs)
What is the absolute base model?


Do basic insurance policies have 5 year minimum contract periods? I thought that was for the supplementary insurance. In any case they all give the possibility of cancellation if the premiums increase and that happens pretty much every year for everybody.
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Old 19.01.2019, 15:45
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Re: In a bit of a pickle - doubly insured

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What is the absolute base model?
The one my wife has, aka the STANDARD (and most expensive) model.

Tom
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Old 19.01.2019, 15:48
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Re: In a bit of a pickle - doubly insured

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The one my wife has, aka the STANDARD (and most expensive) model.

Tom
So not the most basic at all, which is what was implied in Edwin’s post.
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