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Old 11.05.2010, 13:05
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Insurance questions - can I switch back to standard insurance from Hausartzinsurance

Hi all

I signed up for Hausartz Insurance with Sanagate start of 2010. Can I switch back to the Standard Insurance by paying the extra premium ? I had planned some medication this year which has become complicated as I guess I made a mistake to sign up for Hausartz Insurance in the first place.

My understanding for Hausartz Insurance was that I have to first always go to my Hausartz and if required he refers me to a specialist/doctor. I did the same. My Hausartz referred me to a hospital and I have been undergoing treatment at this hospital. Now the hospital calls me for weekly check ups and informs the Hausartz about the progress. Is this okay for the Insurance ? I am worried if the Insurance denies paying for the multiple checkups at the hospital. Does the Hausartz need to be involved in every check up ?

I also found that recently that there is a form I should get filled out by the doctor before treatment at a specialist/hospital starts. I was not aware of this as this was never included when I received the contract end of last year. I am planning to get this form filled with date of Feb (before the hospital treatment started) and send to Sanagate. I am not sure if this will work. Can somebody suggest what I can do about this ? Is Hausartz Insurance the same in all Insurances ? I had Hausartz Insurance earlier as well with other companies but never filled up this form.

Also, I had to select a Hausartz when I signed up for the Insurance last year. As this was also new I just selected a doctor and now his name appears in my contract. The doctor whom I visit is another one. Can I get this changed in the contract wef start of 2010 ? This as well was not the way it was previous years with other Insurance companies.

Somehow I am getting a feeling that Sanagate has many policies in place to ensure that they pay you the least for Medical expenses. And I used to think Standard Insurance is same with all companies.

Regards
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Old 11.05.2010, 13:16
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Re: Insurance questions - can I switch back to standard insurance from Hausartzinsura

Going for more expensive insurance options is usually not a problem for the insurance companies. Going for less can only be done at renewal, and you must give them three months notice.
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Old 12.05.2010, 14:45
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Re: Insurance questions - can I switch back to standard insurance from Hausartzinsura

You should be fine.

If you read the general conditions of the GP model with Sanagate, you'll see under point number 4.2 that it says you can switch from GP model to normal for the beginning of the month following.

Again, it mentions in their general conditions that yes, you can change doctors, they have a special form online that you must use but it is possible.
Remember, Sanagate work with a list of doctors so your new doctor must be on their list.

Standard insurance is the same with all companies in terms of cover.

With the GP option, you have to visit your GP for every new ailment. If you saw your GP, who referred you to a hospital and you are now visiting the hospital for the same issue, then you should be fine.

If you had to name your GP at the beginning of the year and his/her name appears on your policy then you must have opted for the GP method.

You may feel like you're paying for your medical expenses as you have a high deductible. Is this the case?

Hope this helps
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Old 12.05.2010, 15:21
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Re: Insurance questions - can I switch back to standard insurance from Hausartzinsura

Hi Jenny

Thanks for the detailed reply. I contacted Sanagate and they agree to change to the Standard model.

The reason I think I pay higher compared to previous years is that I find many charges from doctors not paid by Sanagate. This is for my children. Till last year I remember all the bills were paid flat 90 %.

Regards

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You should be fine.

If you read the general conditions of the GP model with Sanagate, you'll see under point number 4.2 that it says you can switch from GP model to normal for the beginning of the month following.

Again, it mentions in their general conditions that yes, you can change doctors, they have a special form online that you must use but it is possible.
Remember, Sanagate work with a list of doctors so your new doctor must be on their list.

Standard insurance is the same with all companies in terms of cover.

With the GP option, you have to visit your GP for every new ailment. If you saw your GP, who referred you to a hospital and you are now visiting the hospital for the same issue, then you should be fine.

If you had to name your GP at the beginning of the year and his/her name appears on your policy then you must have opted for the GP method.

You may feel like you're paying for your medical expenses as you have a high deductible. Is this the case?

Hope this helps
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