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Old 26.08.2008, 16:35
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Unsatisfied with customer service - can I cancel my insurance and move to another?

Hi,

I'm with CSS and very un satisfied. They added a "complimentary insurance" which I did not request. Unfortunately I signed the form, not understanding that they had added something without my asking for me.

I've spent 4 weeks trying to ring them to sort it out, but they have been ignoring me constantly. I've never been so frustrated with a company before.

They finally said today that they will not remove it as I signed it, and apparently I'm stuck with them for 3 years.

In any case, I'd rather not give them the satisfaction. Can I possibly cancal ASAP and move to another insurance?

Cheers,
Alan
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Old 26.08.2008, 16:44
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

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Hi,

I'm with CSS and very un satisfied. They added a "complimentary insurance" which I did not request. Unfortunately I signed the form, not understanding that they had added something without my asking for me.

I've spent 4 weeks trying to ring them to sort it out, but they have been ignoring me constantly. I've never been so frustrated with a company before.

They finally said today that they will not remove it as I signed it, and apparently I'm stuck with them for 3 years.

In any case, I'd rather not give them the satisfaction. Can I possibly cancal ASAP and move to another insurance?

Cheers,
Alan
You can cancel the obligatory health insurance in November and choose another insurer.

Your problem is apparently the voluntary and supplementary "private" health insurance. There you are stuck with the contract.
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Old 26.08.2008, 16:45
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

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Hi,

I'm with CSS and very un satisfied. They added a "complimentary insurance" which I did not request. Unfortunately I signed the form, not understanding that they had added something without my asking for me.

I've spent 4 weeks trying to ring them to sort it out, but they have been ignoring me constantly. I've never been so frustrated with a company before.

They finally said today that they will not remove it as I signed it, and apparently I'm stuck with them for 3 years.

In any case, I'd rather not give them the satisfaction. Can I possibly cancal ASAP and move to another insurance?

Cheers,
Alan
I think the clue is in the name; it's "complimentary" insurance, i.e. free. It probably gets tagged onto everyone's insurance who have the same policy as you.
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Old 26.08.2008, 16:50
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

Its certainly not free.. otherwise I wouldnt be complaining

Is that true I can cancel in November?.. But if I go with another provider, I still have to keep the complimentary insurance from CSS?
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Old 26.08.2008, 16:55
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

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Its certainly not free.. otherwise I wouldnt be complaining

Is that true I can cancel in November?.. But if I go with another provider, I still have to keep the complimentary insurance from CSS?
Isn't that "misrepresentation"? Calling something complimentary then charging you for it?
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Old 26.08.2008, 16:56
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

COMPLIMENTARY : Given free to repay a favour or as an act of courtesy, eg complimentary copies of the new book.

COMPLETMENTARY : 1. Forming or serving as a complement; completing.
2. Supplying mutual needs or offsetting mutual lacks.



I think you mean complementary (as in supplementary) so from your previous post using the words complimentary, Sandgrounder thinking it was free was a fair assumption to make.

I have (almost) been caught out by this, and extra 30% premium for some extras I didnt want. I almost paid it, but he was stupid enough to phone me up to expedite, and I took the opportunity to find out what it was.

I have no idea of your best course of action, but what I would do (have just finished a year long battle with an insurer) do everything signed-delivery (5chf/letter)

dave



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Its certainly not free.. otherwise I wouldnt be complaining

Is that true I can cancel in November?.. But if I go with another provider, I still have to keep the complimentary insurance from CSS?
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Old 26.08.2008, 17:01
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

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I think you mean complementary (as in supplementary) so from your previous post using the words complimentary, Sandgrounder thinking it was free was a fair assumption to make.
D'oh! Should have seen that one.
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Old 26.08.2008, 18:42
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

Hi, you can only cancel your contract once a year and it has to be three months in advance. So end of September for end December.

However you need to be registered with another medical insurance company BEFORE, and then you need to send CSS your termination letter along with the letter from your new insurance company. Make sure you send the letter with registered post (CHF 5). For any information regarding insurance companies check out this website www.comparis.ch (its in English as well).

Best of luck
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Old 27.08.2008, 04:43
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

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Its certainly not free.. otherwise I wouldnt be complaining

Is that true I can cancel in November?.. But if I go with another provider, I still have to keep the complimentary insurance from CSS?
No escape from the supplementary health insurance. It is, like any other insurer, under contract law.

Obligatory medical insurance has a special law. You can change insurers. And insurers must accept all applicants. Only a basic set of treatments and medication are included.

Before you switch to another obligatory insurer, check your contract with CSS. You may be getting a discount on the supplementary due to having the compulsory with them. You might loose that discount and be hit with a higher premium for the supplementary!
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Old 08.10.2012, 11:14
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

I also canceled my CSS insurance contract. They have terrible service.

It was quite easy though. They even can provide you with a form for de-registration although on this one you should be able to write the details of your new insurance details.

Don't forget to let Gemeinde know!
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Old 08.10.2012, 11:27
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

you do not need to let the geminde know you have changed insurance companies.

you also do not need to have another insurance in place when you send the cancellation letter, your new insurnce company will ask you details of your existing insurance and then inform them on your behalf.
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Old 08.10.2012, 11:39
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

Interesting!

I had a different experience. Point is: shouldn't be too complicated.

Cheers
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Old 15.10.2012, 18:28
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

Pm me and explain me what happened maybe i can help.
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Old 15.10.2012, 18:49
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

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Pm me and explain me what happened maybe i can help.
So lets guess, your first post, do you sell insurance?
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Old 18.10.2012, 15:40
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Re: Unsatisfied with customer service - can I cancel my insurance and move to another

Yeah I know it's an oldish thread and all BUT can't Complémentaire also mean additional or even supplementary in french?

As with any contract, in whatever language it may be, I can almost with 100% certainty say that the last few lines will included something in the line of:

"I have read & understood the terms and conditions as per...." meaning you wouldn't sign something you didn't understand right?

So, this underlines that it is not misrepresentation as someone else implied.

Interesting, how people always try and blame someone else (or something else) for their ignorance

I'll say it again: Never sign anything without fully understanding what you're signing
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