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Old 19.12.2019, 23:18
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Am I legally obligated to pay this?

Hello, received a bill from a supplimentary insurance provider (not mandatory health insurance) am I legally obliged to pay it if my date of birth is wrong on the document? Thanks
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Old 19.12.2019, 23:21
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Re: Am I legally obligated to pay this?

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Hello, received a bill from a supplimentary insurance provider (not mandatory health insurance) am I legally obliged to pay it if my date of birth is wrong on the document? Thanks



Yes
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Old 19.12.2019, 23:32
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Re: Am I legally obligated to pay this?

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Hello, received a bill from a supplimentary insurance provider (not mandatory health insurance) am I legally obliged to pay it if my date of birth is wrong on the document? Thanks
If you signed a contract with them yes.
If it's someone else's bill, no.

You are also legally obliged to let them know, they got your birthdate wrong.
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Old 19.12.2019, 23:37
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Re: Am I legally obligated to pay this?

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Hello, received a bill from a supplimentary insurance provider (not mandatory health insurance) am I legally obliged to pay it if my date of birth is wrong on the document? Thanks
Did you order this supplementary insurance ?
If you now want this insurance, you should notify the company of the error in your date of birth.
If you no longer want this insurance, are you hoping that a technical error in your personal details will excuse you from paying the premium ? If so, I'm afraid that disappointment awaits.
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Old 19.12.2019, 23:48
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Re: Am I legally obligated to pay this?

Is there not any loopholes to not paying it? It is unironically for Rechschutzversicherung and Haushaltsverischrung.

I asked the guy who sold me it to cancel it last year, he hasn't done so. He's basically screwed me over before Christmas. Even though I mailed him eingescriben, email and Telefon. Unfortunately I don't have any evidence

What would you do in my situation as a low income 20 yr old? If they betrieb me and police come, I could say the date of birth is false, Herby incorrect and not legally addressed to me? Thoughts?
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Old 20.12.2019, 00:22
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Re: Am I legally obligated to pay this?

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Hello, received a bill from a supplimentary insurance provider (not mandatory health insurance) am I legally obliged to pay it if my date of birth is wrong on the document? Thanks
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Is there not any loopholes to not paying it? It is unironically for Rechschutzversicherung and Haushaltsverischrung.

I asked the guy who sold me it to cancel it last year, he hasn't done so. He's basically screwed me over before Christmas. Even though I mailed him eingescriben, email and Telefon. Unfortunately I don't have any evidence

What would you do in my situation as a low income 20 yr old? If they betrieb me and police come, I could say the date of birth is false, Herby incorrect and not legally addressed to me? Thoughts?
My thought is get your story straight.
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Old 20.12.2019, 00:26
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Re: Am I legally obligated to pay this?

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My thought is get your story straight.
What do you mean?
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Old 20.12.2019, 00:51
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Re: Am I legally obligated to pay this?

The contract contains terms and conditions that tell you how and when to cancel.

If you followed those and can proof it, you do not have to pay. In every other situation you have to pay.

Wether or not you decide to try to claim back the money from "the guy" is up to you and success depends on the whole story.

I assume the guy is no employee of the insurance firm.
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Old 20.12.2019, 06:21
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Re: Am I legally obligated to pay this?

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Is there not any loopholes to not paying it? It is unironically for Rechschutzversicherung and Haushaltsverischrung.
Your first post makes it sound like it is supplementary health insurance, which it is not. It is Legal protection insurance and household insurance, not compulsory, but very advisable to have, should you damage your apartment, cause injury or damage to someone else, be the victim of theft etc. You may even be required to have it by your landlord.

As it's not health insurance, call them up and ask them if you can cancel, if not still cancel it for the following years.
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Old 20.12.2019, 08:01
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Re: Am I legally obligated to pay this?

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My thought is get your story straight.

You mailed a registered letter and then claim you have no evidence.


It is one or the other, not both.


You a troll ?
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Old 20.12.2019, 08:13
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Re: Am I legally obligated to pay this?

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Is there not any loopholes to not paying it? It is unironically for Rechschutzversicherung and Haushaltsverischrung.

I asked the guy who sold me it to cancel it last year, he hasn't done so. He's basically screwed me over before Christmas. Even though I mailed him eingescriben, email and Telefon. Unfortunately I don't have any evidence

What would you do in my situation as a low income 20 yr old? If they betrieb me and police come, I could say the date of birth is false, Herby incorrect and not legally addressed to me? Thoughts?
You have to send them a written note that you want that particular insurance to be canceled. Why don't you take a look at your contract? For health insurance for instance, if you want to change anything or cancel some options you must send a written note 3 months before the end of the year i.e. in September. (at least for our insurance)
Otherwise you'll have to pay for another year, and yes you do have to pay. You don't just change your mind any time you like and "tell the insurance guy". There is a certain procedure to follow and it's all written in your contract or you can ask for more details directly from your insurance company.
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Old 20.12.2019, 09:48
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Re: Am I legally obligated to pay this?

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Is there not any loopholes to not paying it? It is unironically for Rechschutzversicherung and Haushaltsverischrung.
. . .
If it is Rechschutzversicherung (legal protection insurance) I suppose you could phone up their help line and ask how you take legal action against their agent for selling or for failing to cancel this unwanted policy.
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Old 20.12.2019, 09:49
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Re: Am I legally obligated to pay this?

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If it is Rechschutzversicherung (legal protection insurance) I suppose you could phone up their help line and ask how you take legal action against their agent for selling or for failing to cancel this unwanted policy.



I think it is health insurance from his first post
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Old 20.12.2019, 09:52
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Re: Am I legally obligated to pay this?

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If it is Rechschutzversicherung (legal protection insurance) I suppose you could phone up their help line and ask how you take legal action against their agent for selling or for failing to cancel this unwanted policy.
Yeah, if nothing else, that would be fun.
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Old 20.12.2019, 10:43
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Re: Am I legally obligated to pay this?

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Is there not any loopholes to not paying it? It is unironically for Rechschutzversicherung and Haushaltsverischrung.

I asked the guy who sold me it to cancel it last year, he hasn't done so. He's basically screwed me over before Christmas. Even though I mailed him eingescriben, email and Telefon. Unfortunately I don't have any evidence

What would you do in my situation as a low income 20 yr old? If they betrieb me and police come, I could say the date of birth is false, Herby incorrect and not legally addressed to me? Thoughts?
Thoughts? It probably best you don’t know the thoughts of most readers of this thread...

Have you met the user helloswitzerland, you appear to have a lot in common... the same reply applies to you.

https://www.englishforum.ch/3131446-post9.html.
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Old 20.12.2019, 13:35
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Re: Am I legally obligated to pay this?

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Is there not any loopholes to not paying it?
....
If they betrieb me and police come, I could say the date of birth is false, Herby incorrect and not legally addressed to me? Thoughts?
I understand what you are asking. But no, it doesn't work like that.

This is because a person is considered as "identifiable" by several factors, not only by their date of birth. For example: family name, first name, more names if any, identity number or passport number, perhaps permit number, social security number (here in Switzerland that is called Old Age and Survivors Insurance (OASI) in English, AHV in German and AVS in French), possibly medical insurance number, possibly name of employer or of school/college/university completed or currently registered. And of course by address, which is very formally registered, at the local authorities.

So, no, you are you, and you can't get out of a contract by the small technicality that your date of birth was written down with an error.

This is because, in Switzerland, there is an overarching legal principle of reasonableness and of what can be taken as a more or less obvious conclusion from all the documentation taken together. If all the parts of the whole matter add up to looking like it is about you, then it is taken as being you.

If it is the case that "anyone" could see that the birthdate has simply been recorded incorrectly, while everything else fits, then it will be regarded as merely an error (and as Curley said, you have a duty to report it) and not as a reason to regard the contract as not having been concluded.

The argument about the birthdate is particularly useless if you yourself signed the form on which that birthdate was recorded. This is so even if someone else filled out the form, because you have a responsibility to yourself and to the other party in the contract to re-read everything, to correct any errors and make sure you understand it all, before you sign.

Your signature does three things:
  • you are confirming the veracity of the content of the form,
  • you are making your application for the insurance cover,
  • you are binding yourself to fulfil your side of the contract (= pay).
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Old 20.12.2019, 13:35
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Re: Am I legally obligated to pay this?

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What would you do in my situation as a low income 20 yr old?
First of all, you have my sympathy. I think many 20-year olds could easily get themselves into the same kind of situation, because they did not understand what they were signing.

That you have a low income is stressful in its own right.

My advice would be to show all those papers to a trustworthy person who is at least as old as your parents, and who can speak and read the language in which the contract is, and explain it to you paragraph by paragraph.
  1. Make sure you understand which insurance is which. Undertand what is medical, what is legal, what is liablity, etc..
  2. Figure out how to give notice on each part, and to what extent the notice can be given for one module only.
  3. Understand how much each part costs, on its own.
  4. Translate that sum, measured per month, into something else that you spend your money on, measured over the same period. Examples would be litres of milk used per month, movie tickets per month, clothes or cigarettes, your phone subscription or your public transport card.
  5. Next, find out what it would cost you if a range of things went wrong, for which you were not insured.
  6. Now compare the premium with the cost of disaster, and weigh up how much of your expenditure (in relation to everything else) it would cost you to have the insurance cover.
  7. Think about your potential to earn more or to spend less.
  8. Think about when you can reasonably expect that your income might increase significantly.
  9. Consider your relationship(s) to your parents and friends and family and whether someone would be willing to help you out if you got into deep trouble with high expenses because of not having had this insurance. If there is anyone, might that person perhaps be willing to help you now, right away, (and until you can earn more) by covering the cost of the insurance premium, be it as a gift, or in exchange for some service provided by you?

Okay, after that, you'll know much better what it means to have that cover, and not to have it. You'll also know how to cancel it, within the terms of the contract, if that's what you choose to do.
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Old 21.12.2019, 02:46
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Re: Am I legally obligated to pay this?

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You mailed a registered letter and then claim you have no evidence.


It is one or the other, not both.


You a troll ?
I don't have the receipt anymore.
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Old 21.12.2019, 02:48
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Re: Am I legally obligated to pay this?

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I think it is health insurance from his first post

No I'm talking about Rechschutzversicherung and Haushaltsverischrung
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Old 21.12.2019, 02:54
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Re: Am I legally obligated to pay this?

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You have to send them a written note that you want that particular insurance to be canceled. Why don't you take a look at your contract? For health insurance for instance, if you want to change anything or cancel some options you must send a written note 3 months before the end of the year i.e. in September. (at least for our insurance)
Otherwise you'll have to pay for another year, and yes you do have to pay. You don't just change your mind any time you like and "tell the insurance guy". There is a certain procedure to follow and it's all written in your contract or you can ask for more details directly from your insurance company.
Thanks. Yes I will do this. Thing is I told this guy to cancel it via letter in the summer, even mailed and called him. He hasn't done it. Unfortunately I don't have any proof

I will send him an eingescriben mail tomorrow requesting to cancel the insurances. I will just pay this bill I guess, no way out of it
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