Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #21  
Old 07.11.2020, 11:44
Belgianmum's Avatar
Roastbeef & Yorkshire mod
 
Join Date: Jan 2010
Location: Neuchâtel
Posts: 14,136
Groaned at 276 Times in 235 Posts
Thanked 24,181 Times in 9,856 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: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
Make a claim on it - both you and insurer can cancel policy unilaterally after any claim
Do you have a link for that?
I didn’t think it applied to the supplementary health insurance which is why people take it out whilst younger and healthy and stick with it.
Reply With Quote
The following 3 users would like to thank Belgianmum for this useful post:
  #22  
Old 07.11.2020, 11:47
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,559
Groaned at 54 Times in 40 Posts
Thanked 2,463 Times in 1,213 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
Do you have a link for that?
I didn’t think it applied to the supplementary health insurance which is why people take it out whilst younger and healthy and stick with it.
Most health insurance policies I have seen indeed would say something like "insurers waives it's right to cancel etc" so would agree.
Reply With Quote
This user would like to thank kri for this useful post:
  #23  
Old 07.11.2020, 12:46
Forum Legend
 
Join Date: Jul 2020
Location: Up there over the fog
Posts: 3,744
Groaned at 462 Times in 336 Posts
Thanked 3,799 Times in 1,980 Posts
JackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
Make a claim on it - both you and insurer can cancel policy unilaterally after any claim

Link definitely required here, please. And are you stating that is the case for all complimentary insurances from all companies?
Reply With Quote
  #24  
Old 07.11.2020, 12:50
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: Cancelling a Swiss complementary health insurance policy!

https://www.admin.ch/opc/de/classifi...index.html#a42


though ok looking at exact wording it might not apply to _health_ insurances - not clear what a Teilschaden would be in that case to invoke this clause. but otherwise yes this applies to all insurances from all companies - it's the insurance _law_. except KVG that has its special law.
Reply With Quote
  #25  
Old 07.11.2020, 14:53
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,707
Groaned at 2,625 Times in 1,868 Posts
Thanked 39,824 Times in 18,783 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
I was replying to Tom's blanket statement that for CSS it is September, which is wrong according to the references JackieH and I provided.
It is September for CSS (and most other companies') complementary, which is what this thread is about.

I made no blanket statement.

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
  #26  
Old 25.09.2021, 00:06
Forum Veteran
 
Join Date: Nov 2011
Location: Zurich
Posts: 1,144
Groaned at 27 Times in 24 Posts
Thanked 522 Times in 349 Posts
minimimi has earned the respect of manyminimimi has earned the respect of manyminimimi has earned the respect of many
Re: Cancelling a Swiss complementary health insurance policy!

I want to finally cancel my complementary insurance. Is this text fine?

hiermit kündige ich den Versicherungsvertrag mit der Policennummer xxx und Kundennummer xxx fristgerecht zum 31.12.2021.

Bitte senden Sie mir in den nächsten Tagen eine Kündigungsbestätigung an die oben angegebene Adresse. Vielen Dank im Voraus!
Reply With Quote
  #27  
Old 25.09.2021, 00:30
Forum Veteran
 
Join Date: Sep 2020
Location: LaCote
Posts: 1,549
Groaned at 12 Times in 12 Posts
Thanked 2,878 Times in 1,090 Posts
Sigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
I want to finally cancel my complementary insurance. Is this text fine?

hiermit kündige ich den Versicherungsvertrag mit der Policennummer xxx und Kundennummer xxx fristgerecht zum 31.12.2021.

Bitte senden Sie mir in den nächsten Tagen eine Kündigungsbestätigung an die oben angegebene Adresse. Vielen Dank im Voraus!
I would just add

Mit freundlichen Grüßen (With kind regards)

Other than that the text perfect.
Reply With Quote
The following 3 users would like to thank Sigh for this useful post:
  #28  
Old 25.09.2021, 00:48
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,707
Groaned at 2,625 Times in 1,868 Posts
Thanked 39,824 Times in 18,783 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

Just go there and do it in person.

Simple.

Tom
Reply With Quote
This user groans at st2lemans for this post:
  #29  
Old 25.09.2021, 08:51
Forum Veteran
 
Join Date: Nov 2011
Location: Zurich
Posts: 1,144
Groaned at 27 Times in 24 Posts
Thanked 522 Times in 349 Posts
minimimi has earned the respect of manyminimimi has earned the respect of manyminimimi has earned the respect of many
Re: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
Just go there and do it in person.

Simple.

Tom
and waste two hours that I don't have? no way I cna leave my daugther for that long
Reply With Quote
This user would like to thank minimimi for this useful post:
This user groans at minimimi for this post:
  #30  
Old 25.09.2021, 09:37
Forum Legend
 
Join Date: Feb 2010
Location: Swiss Confederation
Posts: 11,501
Groaned at 409 Times in 335 Posts
Thanked 17,648 Times in 8,925 Posts
greenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

Quote:
View Post
and waste two hours that I don't have? no way I cna leave my daugther for that long
Do it by the end of September...at least this is the term for Sanitas.
A letter should be fine, no need to go there.
Reply With Quote
This user would like to thank greenmount for this useful post:
  #31  
Old 25.09.2021, 11:00
Forum Veteran
 
Join Date: Sep 2020
Location: LaCote
Posts: 1,549
Groaned at 12 Times in 12 Posts
Thanked 2,878 Times in 1,090 Posts
Sigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

And as with everything else important & official send it as a registered letter.
Reply With Quote
The following 2 users would like to thank Sigh for this useful post:
  #32  
Old 25.09.2021, 16:18
Forum Legend
 
Join Date: Oct 2014
Location: SG
Posts: 10,017
Groaned at 579 Times in 419 Posts
Thanked 13,462 Times in 6,997 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: Cancelling a Swiss complementary health insurance policy!

I'd check first if giving notice by phone is accepted from the number you gave as yours, or online when logged into your account. I canceled my Swisscom contract by phone for instance, phoning from the number the contract is for, and got confirmation by email immediately, all done and concluded in a few minutes.

Generally speaking, and unless it's a contractual condition, you don't need registered mail to give notice. You only need single-sided proof (the receipt for the registered letter) if something went wrong and you don't get the contract partner's confirmation (which is proof of them receiving the notice so keep it). If there's enough time to react in case something does go wrong there's usually no need to spend the 6.- for the registered mail; that might have applied if, for instance, minimimi had asked early in the month.
Reply With Quote
  #33  
Old 25.09.2021, 16:46
Forum Veteran
 
Join Date: Nov 2011
Location: Zurich
Posts: 1,144
Groaned at 27 Times in 24 Posts
Thanked 522 Times in 349 Posts
minimimi has earned the respect of manyminimimi has earned the respect of manyminimimi has earned the respect of many
Re: Cancelling a Swiss complementary health insurance policy!

I tried to cancel last year via email and they insisted on registered mail.
Reply With Quote
  #34  
Old 25.09.2021, 17:08
Forum Legend
 
Join Date: Jul 2020
Location: Up there over the fog
Posts: 3,744
Groaned at 462 Times in 336 Posts
Thanked 3,799 Times in 1,980 Posts
JackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond reputeJackieH has a reputation beyond repute
Re: Cancelling a Swiss complementary health insurance policy!

You only have a few days, so don't waste time.
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
Double complementary health insurance aceofdiamonds Insurance 0 18.12.2019 11:55
European Health Insurance Card coverage and complementary private insurance SilviaGiorgetti Insurance 10 19.08.2015 21:20
Cancelling complementary health insurance outside deadlines due to hardship jobseekeronedge Insurance 3 16.04.2015 15:12
Complementary Health Insurance for Arthritis mgt Insurance 6 11.03.2015 09:39
Health Insurance - Cancelling Cashboy Insurance 15 12.07.2009 10:19


All times are GMT +2. The time now is 00:41.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0