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Old 18.07.2020, 12:54
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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.
  #2  
Old 18.07.2020, 13:00
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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
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Old 18.07.2020, 13:15
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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 ...

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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
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Old 18.07.2020, 13:28
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Re: Broker lied and made me sign official documents

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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
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Old 18.07.2020, 13:39
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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?
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Old 18.07.2020, 13:44
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Re: Broker lied and made me sign official documents

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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?
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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
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Old 18.07.2020, 15:09
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Re: Broker lied and made me sign official documents

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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:

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so I met this person.
And insurance contracts are excluded from the 14 days cancellation period.
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Old 20.07.2020, 17:38
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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 ....

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Forget email, send a registered letter. And forget the police, nothing they can do.
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Old 21.07.2020, 22:16
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Re: Broker lied and made me sign official documents

Update: I just received a letter from groupe mutuel that they canceled the contract!!

Thank you everyone for your help! Wish you all the best!
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Old 18.07.2020, 13:48
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Re: Broker lied and made me sign official documents

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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
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Old 18.07.2020, 13:54
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Re: Broker lied and made me sign official documents

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What is the name of the company?
The contract is with groupe mutuel but the broker is from Avenir
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Old 18.07.2020, 18:33
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Re: Broker lied and made me sign official documents

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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
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Old 18.07.2020, 19:11
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Re: Broker lied and made me sign official documents

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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.
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Old 18.07.2020, 20:01
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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.

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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.

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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
 




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