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Old 15.03.2021, 11:18
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Complementary rejected, am I force to get the standard?

Hi all,
I have been rejected the complementary insurance, however the insurer refers it has accepted the standard one.
Given they have rejected the complementary, I would like to go for another insurer also for the standard one. Is that possible, or it's too late and I'm forced to stay with them?

Thanks a lot
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Old 15.03.2021, 11:22
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Re: Complementary rejected, am I force to get the standard?

Have you signed a contract, or haven't you?
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Old 15.03.2021, 11:24
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Re: Complementary rejected, am I force to get the standard?

What does the sign up say? Do you know why they rejected you? It may be likely next insurer also rejects you. Perhaps worth a call to understand why? Sometimes they have silly automated processes.

(We recently got rejected and I called to verify why - it was a silly reason so I pushed them and they reverted their decision).

They cannot refuse you for basic insurance.
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Old 15.03.2021, 11:24
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Re: Complementary rejected, am I force to get the standard?

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Hi all,
I have been rejected the complementary insurance, however the insurer refers it has accepted the standard one.
Given they have rejected the complementary, I would like to go for another insurer also for the standard one. Is that possible, or it's too late and I'm forced to stay with them?

Thanks a lot
No, however you could get the complimentary elsewhere, however you have been turned down for a reason.......
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Old 15.03.2021, 11:38
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Re: Complementary rejected, am I force to get the standard?

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No, however you could get the complimentary elsewhere, however you have been turned down for a reason.......

And if I remember correctly, the next insurer will ask if you ever were denied this additional insurance.
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Old 15.03.2021, 11:57
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Re: Complementary rejected, am I force to get the standard?

If you have been rejected for complementary insurance, it is likely because you have pre-existing conditions and they will reject you at every insurer. It is really unfair ... we were rejected because of my asthma when we moved here years ago.

If you are wanting "private insurance" you can always upgrade when receiving treatment.
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Old 15.03.2021, 12:09
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Re: Complementary rejected, am I force to get the standard?

Thanks all of the replies. Yes there is a pre-existing condition, I'm just surprised with the tratment: basically the complementary is accessible for healthy people poeple. Fine for that..

I did sign the contract that was including both request for the standard and the complementary.

I think this procedure is a bit unfair: 1.I send a binding request for base and complementary (can't do differently) 2. They reject one the complementary 3. I remain bound to take out the base with them

Will investigate further: I don't know the Swiss law, but this approach seems unreasonable to me.
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Old 15.03.2021, 12:09
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Re: Complementary rejected, am I force to get the standard?

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And if I remember correctly, the next insurer will ask if you ever were denied this additional insurance.
Not all do - Visana does not have that stupid question in their questionnaires. Which I really liked.
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Old 15.03.2021, 12:21
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Re: Complementary rejected, am I force to get the standard?

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Thanks all of the replies. Yes there is a pre-existing condition, I'm just surprised with the tratment: basically the complementary is accessible for healthy people poeple. Fine for that..

I did sign the contract that was including both request for the standard and the complementary.

I think this procedure is a bit unfair: 1.I send a binding request for base and complementary (can't do differently) 2. They reject one the complementary 3. I remain bound to take out the base with them

Will investigate further: I don't know the Swiss law, but this approach seems unreasonable to me.
I completely agree with you and even took to the forum back then when it happened to me. Everyone kindly explained that you will actually save money by only paying for it when you need it rather than every month. I don't know how much regular treatment you need, but that has indeed proven to be true for me.

There are some companies that offer the complementary insurance as part of an incentive for working for them ... and apparently you won't get rejected for it then. I was one month short of obtaining it at my previous employer, then they sold the company and I had to find a new job hehe. Maybe you can speak with your employer?
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Old 15.03.2021, 12:30
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Re: Complementary rejected, am I force to get the standard?

VikArt- it is what it is. You are not stuck with them forever- but until the end of the year - can't remember the exact dates, but you need to send a recommended letter to resign- latest date 30th November of current year.

It is totally normal for an Insurance to not accept you for complimentary if you have pre-existing conditions. But the fabulous news is, that in Switzerland, they cannot refuse you for standard cover. and standard cover is 100% sufficient from the health point of view.

Complimentary insurance only make money because people sign up early in life, when healthy- and the premiums are paid without much use for a long time in most cases.

Last edited by JackieH; 15.03.2021 at 14:26.
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Old 15.03.2021, 13:10
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Re: Complementary rejected, am I force to get the standard?

If you are likely to be rejected, it's best to either talk to a one of their sales people who can help you fill in the form, or go through a broker. I know a few cases where complementary insurance was arranged with a specific exclusions for the problematic condition.
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Old 15.03.2021, 14:20
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Re: Complementary rejected, am I force to get the standard?

Vikart likely applied to company 'A' because they wanted the supplementary insurance from them.
If they knew that the supplementary would have been declined they would have taken basic insurance from company 'B' instead.
The question is is he/she bound to take the basic insurance from company A. I suspect the answer is 'yes'.
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Old 15.03.2021, 15:12
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Re: Complementary rejected, am I force to get the standard?

Some companies ask you specifically if you want basic to go ahead even if declined for complementary etc.

I would really give them a call and
A) understand the reason for refusal (unless blatantly obvious)
B) explain you do not wish to move ahead with basic contract as you want full insurance with one supplier - if they say "ok" then follow up with registered mail to confirm your withdraw from contract.

Start over with new company
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Old 15.03.2021, 17:12
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Re: Complementary rejected, am I force to get the standard?

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If you are likely to be rejected, it's best to either talk to a one of their sales people who can help you fill in the form, or go through a broker. I know a few cases where complementary insurance was arranged with a specific exclusions for the problematic condition.
I'm not sure if I get this right - if you exclude the problematic one, by which I suppose you meant chronic condition, what's the point of having a complementary insurance? Usually chronic conditions lead to a series of other illnesses that are related to the main one. I don't think it's wise to exclude it. Or is it even possible/legal?
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Old 15.03.2021, 17:21
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Re: Complementary rejected, am I force to get the standard?

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I'm not sure if I get this right - if you exclude the problematic one, by which I suppose you meant chronic condition, what's the point of having a complementary insurance? Usually chronic conditions lead to a series of other illnesses that are related to the main one. I don't think it's wise to exclude it. Or is it even possible/legal?

That would be my fear as well. That the insurance company somehow will try to relate anything to that that was excluded.


Havenīt regretted being denied supplementary insurance. When I had an operation I just paid for the "upgrade" and that was - in the end - cheaper than the insurance.
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Old 15.03.2021, 18:43
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Re: Complementary rejected, am I force to get the standard?

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That would be my fear as well. That the insurance company somehow will try to relate anything to that that was excluded.


Havenīt regretted being denied supplementary insurance. When I had an operation I just paid for the "upgrade" and that was - in the end - cheaper than the insurance.
It really depends. For example I had seen a psychologist a few times. When I wanted to upgrade from semi private to private the insurance said yes but not for mental hospitals. Which was fine as by then the issue was solved. Few years later asked them to remove the restrictions and they did.
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