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Old 16.01.2009, 21:03
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Changing Health Insurance

Hi all,
Well, I read the insurance FAQ and noticed something very interesting:

"This means that you will have to have given notice in writing by the end of September or March. If the company has increased costs then you need give only one month's notice and must cancel in writing by the end of November. There are sample letters on the above link."

I'm with SWICA who has raised my premium starting in January 09. BUT I only just found out. Does this mean that I must wait until November?

Fanks!
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Old 17.01.2009, 11:17
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Re: Changing Health Insurance

Hey Soul Food, how is life these days ?
I hope someone can answer your question, anyone ?
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Old 17.01.2009, 11:45
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Re: Changing Health Insurance

I'm also interested to know as my costs have gone up with SWICA too.

I'm paying 350 chuffs a month/4,000 a year. Not a big change from 330 last year but the difference is I seem to be paying a lot for my medical bills now. The last two months have cost me an extra 1,000 alone.Would ha ve thought my extra costs would be minimal. I'll be asking for a breakdown of what i'm being charged for this week.
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Old 17.01.2009, 12:03
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Re: Changing Health Insurance

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Hi all,
Well, I read the insurance FAQ and noticed something very interesting:

"This means that you will have to have given notice in writing by the end of September or March. If the company has increased costs then you need give only one month's notice and must cancel in writing by the end of November. There are sample letters on the above link."

I'm with SWICA who has raised my premium starting in January 09. BUT I only just found out. Does this mean that I must wait until November?

Fanks!
Didn't SWICA send you a letter in October, with a big wodge of documents advertising their shiny new services (all in German), and telling you how much your new premium would be?

If not, I suggest you contact them and ask what's going on.

It sounds most irregular.
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  #5  
Old 17.01.2009, 17:48
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Re: Changing Health Insurance

Sada! I'm doing great, thanks! How about yourself? I cruised through Neuchatel recently and thought about you

I didn't receive such documentation, no. Apparently you have a month to get out of this augmentation in premium but alas I've waited too long.

APPARENTLY, you CAN get out in June IF your franchise is 300 CHF. So in theory I can raise my deductable but I'd have to pay the difference in premium from January through to June. It might be worth it though.
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Old 17.01.2009, 22:52
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Re: Changing Health Insurance

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I hope someone can answer your question, anyone ?
Here you go:

http://www.comparis.ch/krankenkassen...sel_kuendigung

Yes, there is an english version ....
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Old 19.01.2009, 20:28
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Re: Changing Health Insurance

Perfect. So I'll shift my deductable to 300 and send them a nice registered letter by the end on March. I'll pay a bit more for 6 months but MUCH less for the second six months.
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Old 19.01.2009, 21:30
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Re: Changing Health Insurance

The only info I saw was on their website, but i'll look into it too:-

http://www2.swica.ch/Default.aspx?tabid=654


A change of franchise is always possible at the start of the next calendar year. A request for a new lower franchise must be with SWICA by 30.11. at the latest and for a higher franchise by 31.12. at the latest.
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Old 27.01.2009, 15:10
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Re: Changing Health Insurance

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Hi all,
Well, I read the insurance FAQ and noticed something very interesting:

"This means that you will have to have given notice in writing by the end of September or March. If the company has increased costs then you need give only one month's notice and must cancel in writing by the end of November. There are sample letters on the above link."

I'm with SWICA who has raised my premium starting in January 09. BUT I only just found out. Does this mean that I must wait until November?

Fanks!

Hello

If you want move your basis insurance you need to cancel by writting up to end of November.
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  #10  
Old 27.01.2009, 15:50
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Re: Changing Health Insurance

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You can move your basis insurance 2 times a year only if :
1) your deductible is CHF 300 (or CHF 0 for children)
and...
2) if your have the traditionnal (classical) insurance model. Family doctor model or HMO et doctor network models are special models.

If you want move in July you need canceling up to end of next March.


Regards

Alexandre - Insurance consulter
So I need to fulfill both 1 and 2? I have a 1000 CHF and I think a family doctor plan. If I change my plan and make my deductable 300 chf would that work?

My agent told me that I can lower my deducatble whenever I please, but it will mean that I will also have to pay retroactively.
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Old 27.01.2009, 15:52
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Re: Changing Health Insurance

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So I need to fulfill both 1 and 2? I have a 1000 CHF and I think a family doctor plan. If I change my plan and make my deductable 300 chf would that work?

My agent told me that I can lower my deducatble whenever I please, but it will mean that I will also have to pay retroactively.

Hello

Yes, both 1 and 2...

So you cannot move for 2010.

Alexandre

Last edited by Nathu; 13.03.2009 at 00:46. Reason: Signature
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  #12  
Old 27.01.2009, 15:54
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Re: Changing Health Insurance

" My agent told me that I can lower my deducatble whenever I please, but it will mean that I will also have to pay retroactively."

Yes, it's correct.
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Old 27.01.2009, 15:56
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Re: Changing Health Insurance

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Hello

Yes, both 1 and 2...

So you cannot move for 2010.

Alexandre - Insurance advisor, Geneva
Yes, both 1 and 2...

So you cannot move for 2010.

Alexandre - Insurance advisor, Geneva[/quote]

Hi Alexandre!

But what if, hypothetically, changed lowered my deductible to 300 francs for 2009 and paid the new premium from this month?

Couldn't I hand in the letter my March 2009 and be out of my contract by the end of June 2009?
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Old 27.01.2009, 16:02
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Re: Changing Health Insurance

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Hello

Yes, both 1 and 2...

So you cannot move for 2010.

Alexandre - Insurance advisor, Geneva
Yes, both 1 and 2...

So you cannot move for 2010.

Alexandre - Insurance advisor, Geneva[/quote]

Hi Alexandre!

But what if, hypothetically, changed lowered my deductible to 300 francs for 2009 and paid the new premium from this month?

Couldn't I hand in the letter my March 2009 and be out of my contract by the end of June 2009?
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  #15  
Old 27.01.2009, 16:40
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Re: Changing Health Insurance

I have a hijack question....

I'm currently on a basic plan with my insurance company. I contacted them last year to see about switching to private insurance and they said my request would be denied because I have too many claims. I would very much like to be on a private plan starting 2010 but don't think it will be possible again to change this year because I have a minor surgery coming up in March which will require a 3 night stay at the hospital.

If I apply for private insurance with another company, are they able to see my previous claims and deny me on the same principle? I have no idea how this works and would really like any advice offered!

Thanks!
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Old 27.01.2009, 16:48
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Re: Changing Health Insurance

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I have a hijack question....

I'm currently on a basic plan with my insurance company. I contacted them last year to see about switching to private insurance and they said my request would be denied because I have too many claims. I would very much like to be on a private plan starting 2010 but don't think it will be possible again to change this year because I have a minor surgery coming up in March which will require a 3 night stay at the hospital.

If I apply for private insurance with another company, are they able to see my previous claims and deny me on the same principle? I have no idea how this works and would really like any advice offered!

Thanks!
Hi

For private insurance you need to answer to an medical questionnary. One of the question is "do you have any treatments these 5 past years". If you say yes, it's not good.
Companies are in confidence with your medical questionnary. In 99% of the cases they don't contact your former insurance.
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  #17  
Old 04.02.2009, 17:44
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Re: Changing Health Insurance

Regards.

Alexandre
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Old 05.02.2009, 12:02
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Re: Changing Health Insurance

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Hi

For private insurance you need to answer to an medical questionnary. One of the question is "do you have any treatments these 5 past years". If you say yes, it's not good.
Companies are in confidence with your medical questionnary. In 99% of the cases they don't contact your former insurance.
But if they find out that one has lied, they can reject the claim and terminate the insurance, no?
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Old 05.02.2009, 16:35
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Re: Changing Health Insurance

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But if they find out that one has lied, they can reject the claim and terminate the insurance, no?
Yes, of course.
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