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These Traps lie in wait when changing the health insurance

1. Premiums of the basic insurance do not

compare The basic health insurance for all residents of Switzerland are required. The health insurance companies demand different premiums, and they are subject to forced a Recording, if you are in the respective Region. So you need to record by law, every Insured person, regardless of age or existing health suffer.

It is useful to not only use the premium amount if you wish for a certain Service. The potential for savings is often major. Who puts a value on personal advice, you should therefore not choose a cheap cash in, which is difficult to be reached by phone, but a Agency in the vicinity. Also important is the quality of service is: You can, for example, under Comparis.ch customer ratings see.

2. The wrong Franchise

Who is expected as a result of Operation lead to high health care cost, choose the lowest Franchise is worth. Someone expects to lower health costs, we recommend a high deductible. Not optimal, the franchise levels in the middle, since these are often in a worse price-performance ratio.

3. Be careful with the family doctor model

The family doctor model, it is particularly important to study before the insurance terms and conditions and to ask yourself these questions: Is my chosen doctor on the list of the new Fund? He still patient? What applies in case of an emergency when the practice is closed? In the case of control with the GP model, the reaction of the health insurance funds is violations in different ways: some of you will be shown a yellow card, in others you will pay for the treatment yourself.

4. Several applications for the additional insurance

if you don't want the additional insurance or to renew, to sequentially obtain multiple quotes. But warning: anyone Who makes a request for recording, is bound by it. The insurance company then has four weeks time to enter, because of the health questionnaire must be tested in detail. So anyone who suggests several applications that accept all funds in by the deadline, multi-insured, and everywhere premiums apply. Of the double insurance, one is protected in principle only in the case of the basic insurance.

5. Supplementary insurance early

terminate Before someone cancels his insurance, he must make sure that the new Fund will accept him unconditionally. In the case of supplementary insurance policies, a rejection of, for example, due to illness, age, weight, other risks, or without giving a reason is possible. The new provider may also attach reservations, and some coverings to exclude. Only in the case of the basic insurance, the insurer may reject anyone.

6. Health-related questions wrong

answer a Fill in the questionnaire to the health for the additional insurance with the truth. Anyone who gives false information to one's own health, risks, that the insurer terminates the contract later. Services with incorrect information in the connection, you can request the cash back. The premiums paid must keep.

7. Invoices not timely

According to the law, all the dunned premium you must pay, default interest and collection costs to be paid by the end of the year. If not, you have to stay until the next termination date at the old cash.

8. The contract duration of the supplementary insurance note

In practice, it often happens that the customer contracts the additional insurance for a multi-year contract, without that he notices it. "To be not in the long term, unintentionally to a contract are bound, to choose the best a one year contract and additional insurance," says Andrea Roth, VZ wealth center.

9. Beware of different family policies

In practice, the customer agrees insurance of all family members with the same insurance company. Saves you several Hundred francs per year, if parents and children are insured in different funds. This is true in most premium regions, such as calculations of the "K-tip" show. "It is worth several obtain offers," says Andrea Roth.

10. Notice too late to submit

the termination of The basic insurance must be received by the end of November at the time of checkout. For reasons of Proof, preferably by registered mail. If the cancellation arrives too late, and is valid until the next termination date. This is the middle or the end of the following year. In the case of the supplementary insurance other termination dates are considered to be in the basic insurance. Usually you can cancel up to the end of September, partly also with six months ' notice. The provisions are specified in the General conditions of insurance.

Created: 05.11.2019, 21:42 PM

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