Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 18.07.2020, 12:54
Newbie 1st class
 
Join Date: Oct 2016
Location: Zurich
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 4 Posts
pikachu has earned some respectpikachu has earned some respect
So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I donít know much about the broker situation here so I met this person.

She explained the plans and I was interested to know more. She asked for my personal details and made me sign some documents from the company. She claimed this is ONLY for inquiring if the company will accept my profile and this is not a contract. I have asked more times since I donít want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.

However a few days later I received some contract from the insurance company!
Now she told me it is hard to get rid of it.

I know itís stupid to sign such things but she was clearly lying to me to make me sign! This is violation of article 45??

Is there anyone who has experience on this? Is it possible to get help??

Thanks in advance everyone!

Last edited by Guest; 18.07.2020 at 19:46.
Reply With Quote
  #2  
Old 18.07.2020, 13:00
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,783
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Broker lied and made me sign official documents

First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: Health insurance, legal advice
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #3  
Old 18.07.2020, 13:15
Newbie 1st class
 
Join Date: Oct 2016
Location: Zurich
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 4 Posts
pikachu has earned some respectpikachu has earned some respect
Quote:
View Post
First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: Health insurance, legal advice

Yes I never signed such things but donít know why that day I was blind

I have already emailed and written a letter to the company to quit but there is no reply.

I donít know if I should go to police ...

Quote:
View Post
First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: Health insurance, legal advice
Thanks a lot for the post!

Last edited by 3Wishes; 18.07.2020 at 22:20. Reason: merging consecutive replies
Reply With Quote
  #4  
Old 18.07.2020, 13:28
grumpygrapefruit's Avatar
Forum Legend
 
Join Date: Feb 2007
Location: NL, UK & sometimes ZH
Posts: 6,367
Groaned at 38 Times in 37 Posts
Thanked 17,367 Times in 4,464 Posts
grumpygrapefruit has a reputation beyond reputegrumpygrapefruit has a reputation beyond reputegrumpygrapefruit has a reputation beyond reputegrumpygrapefruit has a reputation beyond reputegrumpygrapefruit has a reputation beyond reputegrumpygrapefruit has a reputation beyond repute
Re: Broker lied and made me sign official documents

Quote:
View Post
Yes I never signed such things but don’t know why that day I was blind

I have already emailed and written a letter to the company to quit but there is no reply.

I don’t know if I should go to police ...
Forget email, send a registered letter. And forget the police, nothing they can do.

Last edited by Guest; 18.07.2020 at 19:49. Reason: Changed user name in quote
Reply With Quote
The following 5 users would like to thank grumpygrapefruit for this useful post:
  #5  
Old 18.07.2020, 13:39
Tom1234's Avatar
Forum Legend
 
Join Date: Jan 2007
Location: Kanton Luzern
Posts: 15,770
Groaned at 522 Times in 414 Posts
Thanked 23,266 Times in 9,400 Posts
Tom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond repute
Re: Broker lied and made me sign official documents

Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?
Reply With Quote
This user would like to thank Tom1234 for this useful post:
  #6  
Old 18.07.2020, 13:44
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Switzerland
Posts: 22,126
Groaned at 406 Times in 315 Posts
Thanked 17,099 Times in 9,620 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Broker lied and made me sign official documents

Quote:
View Post
Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?
Quote:
View Post
So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I don’t know much about the broker situation here so I met this person.
Helps to take in what you read.

Last edited by Guest; 18.07.2020 at 19:47. Reason: Changed user name in quote
Reply With Quote
The following 2 users would like to thank Medea Fleecestealer for this useful post:
  #7  
Old 18.07.2020, 13:48
Forum Legend
 
Join Date: Mar 2009
Location: Zurich
Posts: 13,256
Groaned at 1,185 Times in 786 Posts
Thanked 19,130 Times in 7,417 Posts
Chuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond repute
Re: Broker lied and made me sign official documents

Quote:
View Post
So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I don’t know much about the broker situation here so I met this person.

She explained the plans and I was interested to know more. She asked for my personal details and made me sign some documents from the company. She claimed this is ONLY for inquiring if the company will accept my profile and this is not a contract. I have asked more times since I don’t want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.

However a few days later I received some contract from the insurance company!
Now she told me it is hard to get rid of it.

I know it’s stupid to sign such things but she was clearly lying to me to make me sign! This is violation of article 45??

Is there anyone who has experience on this? Is it possible to get help??
What is the name of the company?

Last edited by Guest; 18.07.2020 at 19:48. Reason: Changed user name in quote
Reply With Quote
  #8  
Old 18.07.2020, 13:49
Member
 
Join Date: Feb 2020
Location: Zurich
Posts: 156
Groaned at 20 Times in 9 Posts
Thanked 143 Times in 79 Posts
spark is considered knowledgeablespark is considered knowledgeablespark is considered knowledgeable
Re: Broker lied and made me sign official documents

It would help to know what exactly you signed and what else do you have in writting from the agent. Especially "not a contract but just inquiry" - do you have this bit in writing/email? If yes, use Art 23 & 24 OR to void the contract. If you have nothing in writing it gets tricky, as the burden of proof is on you.


Edit: another law that can help is https://www.admin.ch/opc/de/classifi.../index.html#a3 - did the agent inform you about the items listed there, especially premium/year? Here I think the burden of proof that they provided the info is on them, so it'll be much easier to ditch the contract this way

Last edited by spark; 18.07.2020 at 14:12.
Reply With Quote
  #9  
Old 18.07.2020, 13:54
Newbie 1st class
 
Join Date: Oct 2016
Location: Zurich
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 4 Posts
pikachu has earned some respectpikachu has earned some respect
Re: Broker lied and made me sign official documents

Quote:
View Post
What is the name of the company?
The contract is with groupe mutuel but the broker is from Avenir
Reply With Quote
  #10  
Old 18.07.2020, 15:09
Guest
 
Posts: n/a
Re: Broker lied and made me sign official documents

Quote:
View Post
Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?
From the OP:

Quote:
so I met this person.
And insurance contracts are excluded from the 14 days cancellation period.
Reply With Quote
This user would like to thank for this useful post:
  #11  
Old 18.07.2020, 15:34
Forum Veteran
 
Join Date: Feb 2009
Location: Geneva
Posts: 775
Groaned at 28 Times in 13 Posts
Thanked 684 Times in 314 Posts
Marsalforn has a reputation beyond reputeMarsalforn has a reputation beyond reputeMarsalforn has a reputation beyond reputeMarsalforn has a reputation beyond repute
Re: Broker lied and made me sign official documents

I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?
Reply With Quote
  #12  
Old 18.07.2020, 16:05
Guest
 
Posts: n/a
Re: Broker lied and made me sign official documents

Quote:
View Post
I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?
Yep, else he has no insurance.

And it is the same contract containing the information OP wants to claim was not given to him.

So yeah, he might complain, he might be lucky and get out of it. But if they really want they hold him up to it.
Reply With Quote
  #13  
Old 18.07.2020, 18:33
Forum Legend
 
Join Date: Oct 2014
Location: SG
Posts: 8,926
Groaned at 465 Times in 348 Posts
Thanked 11,841 Times in 6,165 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: Broker lied and made me sign official documents

Quote:
View Post
I have asked more times since I don’t want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.
It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.
It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?

Last edited by Guest; 18.07.2020 at 19:48. Reason: changed user name in quote
Reply With Quote
  #14  
Old 18.07.2020, 19:11
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Neuch‚tel
Posts: 13,055
Groaned at 227 Times in 192 Posts
Thanked 21,547 Times in 8,832 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Broker lied and made me sign official documents

Quote:
View Post
It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.
It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?
I would think the opposite actually.
I would say that itís for supplementary insurance as they have to cover everyone for the mandatory insurance so there would be no need to check if they would cover him.
Reply With Quote
  #15  
Old 18.07.2020, 20:01
Newbie 1st class
 
Join Date: Oct 2016
Location: Zurich
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 4 Posts
pikachu has earned some respectpikachu has earned some respect
She sold me a plan with mandatory with supplemental.
I am now with Swisscare since Iím foreign student.
I only plan to change when I meet the 6 year Limit with Swisscare.

Quote:
View Post
It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.
It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?
I did not sign a contract yet but according to the document the broke sent. She ticked that ďit was a official request for contractĒ, but what she said was ďjust to check if the company will accept my profile, not for a contractĒ.

Quote:
View Post
I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?

Last edited by 3Wishes; 18.07.2020 at 22:19. Reason: merging consecutive replies
Reply With Quote
  #16  
Old 18.07.2020, 21:11
Tom1234's Avatar
Forum Legend
 
Join Date: Jan 2007
Location: Kanton Luzern
Posts: 15,770
Groaned at 522 Times in 414 Posts
Thanked 23,266 Times in 9,400 Posts
Tom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond repute
Re: Broker lied and made me sign official documents

Agents do this as that's how they earn their commission.

The trick, in future, is to take the documents but not to sign them when the agent is there, under pressure.

Tell the agent you'll read through them in your own time, sign them, and send them back by post.

Agents hate this though and will try and persuade you to sign on the spot.
Reply With Quote
  #17  
Old 18.07.2020, 21:15
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,783
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Broker lied and made me sign official documents

Quote:
View Post
Agents hate this though and will try and persuade you to sign on the spot.
And if they still persists you kindly show them the hole the mason left in the wall and were coincidentally the carpenter put a door in.

Last edited by aSwissInTheUS; 18.07.2020 at 22:23. Reason: put, put put, goes the chicken.
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #18  
Old 18.07.2020, 21:45
Guest
 
Posts: n/a
Re: Broker lied and made me sign official documents

Quote:
View Post
And if they still persists you kindly show them the hole the mason left in the wall and were coincidentally the carpenter but a door in.
And don't forget to ask them if they want to sleep over since you like reading in bed.
Reply With Quote
  #19  
Old 20.07.2020, 17:37
Newbie 1st class
 
Join Date: Oct 2016
Location: Zurich
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 4 Posts
pikachu has earned some respectpikachu has earned some respect
Re: Broker lied and made me sign official documents

Now I will definitely do as you said....

I did this once to another broker of same type and no wonder he was so disappointed....


Quote:
View Post
Agents do this as that's how they earn their commission.

The trick, in future, is to take the documents but not to sign them when the agent is there, under pressure.

Tell the agent you'll read through them in your own time, sign them, and send them back by post.

Agents hate this though and will try and persuade you to sign on the spot.
Reply With Quote
  #20  
Old 20.07.2020, 17:38
Newbie 1st class
 
Join Date: Oct 2016
Location: Zurich
Posts: 13
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 4 Posts
pikachu has earned some respectpikachu has earned some respect
Re: Broker lied and made me sign official documents

I just sent a registered letter explaining what happened...
Thanks for your advice! Hope it will work ....

Quote:
View Post
Forget email, send a registered letter. And forget the police, nothing they can do.
Reply With Quote
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
delaminating official documents in Switzerland Ishanya Leaving Switzerland 7 01.06.2018 12:14
Various Official Documents less then 6 months old... FrankHerbert Daily life 0 26.01.2015 07:14
getting official documents written in German verified. omtatsat Permits/visas/government 2 25.04.2011 17:53
Official hand sign for identifying EF users? scribble Jokes/funnies 47 03.05.2010 13:50
Official translator for immigration documents pademelon Language corner 2 13.04.2010 16:10


All times are GMT +2. The time now is 20:10.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0