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Old 03.08.2021, 20:03
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Can't use medbase in Zug

Hello everyone

I'm new to Switzerland and recently signed up for health insurance with Helsana medbase in Zug as my policy in June.

Well I tried getting an appointment today and they said that they've not accepted new clients from Helsana since March and that they already notified Helsana.

I messaged my insurance provider (Simplecare) and he just told me to pick another policy, stating that since I chose the cheapest policy I would have to pick something more expensive.

Does anyone know what to do in case? I have half a mind to cancel my insurance with these guys but I'm afraid I'll just run into more trouble.

Thanks for any input!
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Old 04.08.2021, 22:24
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Re: Can't use medbase in Zug

I would contact Helsana directly to either find another insurance plan for the same price or have the contract cancelled.
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Old 04.08.2021, 23:16
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Re: Can't use medbase in Zug

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Hello everyone

I'm new to Switzerland and recently signed up for health insurance with Helsana medbase in Zug as my policy in June.

Well I tried getting an appointment today and they said that they've not accepted new clients from Helsana since March and that they already notified Helsana.

I messaged my insurance provider (Simplecare) and he just told me to pick another policy, stating that since I chose the cheapest policy I would have to pick something more expensive.

Does anyone know what to do in case? I have half a mind to cancel my insurance with these guys but I'm afraid I'll just run into more trouble.

Thanks for any input!
"They did not accept any new clients from Helsana". Very interesting, the Helsana bit (not generally but from Helsana). Rings alarm bells. I'm surprised you didn't ask them why - or did you?o

I would immediately cancel the insurance (registered mail) reasoning they can not provide what they sold. Actually you don't even have to cancel, you just have to inform them (still registered mail), the contract s invalid.

.I would not bother with Simplecare for a valid insurance as it seems to me they sold you the cheapest policy in order to tie you to them, well knowing that they will "just tell you to pick an other policy" when you find out it's no use. DON'T!

Don't let them "scare" you into having to fulfil any contracts. You bought something that can't be provided. They can't fulfil. Contract invalid. Simple.

Get your insurance independently. You can research, get personal offers, get the contract all via internet. Look for "Grundversicherung". Don't bother about any extras or "Zusatzversicherung" yet. The basic insurance (the one you must have by law) already is very good. You can get supplementary insurance later, when you're used to this place.
Also don't let them confuse you about "but we do this" and "we do that". That's already extras as the basic insurance is defined by law.
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Old 06.08.2021, 00:21
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Re: Can't use medbase in Zug

Trying to cancel the insurance at this point is useless at best, they can't let you out of the contract before 2022 by law (unless you emigrate). So, at worst you end up with two or more active contracts that all must be paid for.

Now, AFAIK it's up to you to find a doctor who accepts you as a patient. Maybe your situation is different, maybe the broker (Simplecare) sold you on this, in which case the question is whose onus it is to get you a doctor (or equivalent). If it's the broker's you may decide to make a nice fire under their behind, because if you complain with Helsana about them they may lose their share your insurance premium pays for. And once enough clients complain, Helsana may eventually dump them. So there's your leverage in this case. Howver, medgate's reply that you need to pick a more pricey insurance (which sounds really odd) points more to Helsana being the culprit. Anyway, I think that's the first thing you need to get clarified.

As for identifying the least expensive insurance model in your area (may give you some leverage, at any rate it tells you what "upscaling" costs compared to the least expensive option), your fist stop should be the federal Priminfo. Contrary to for-pay listings like Comparis, Priminfo is guaranteed to list all providers in the area you enter.

Btw, for a healthy male anything other than the maximum deductible is money thrown out the window.
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Old 06.08.2021, 07:40
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Re: Can't use medbase in Zug

I would switch to another Helsana model to tidy you over until end of the year and cancel promptly for Dec 2021 (deadline end Sept 2021 by registered letter).

In the meantime look for another provider (by yourself) and tell Helsana about your bad broker experience.

You can of course go down the route of the unfulfilled contract but that is likely to be really really painful and annoying so depends what you have time and energy for.
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