Helsana is not honouring the 14 day recall per Swiss law and also stated in their own Kundeninformationen (see images). I applied online on the 15th jan and recalled per email and post 2 days later (start of insurance retroactively starting on Jan 1). How can they do this??? Is this not a clear cut case that they simply have to abide by? Any advise appreciated
https://www.fedlex.admin.ch/eli/oc/2020/884/de
https://www.helsana.ch/dam/de/pdf/private/formulare/kundeninformation-nach-vvg.pdf
by tradingpf2020
5 comments
A law without punishment isn’t a deterrent.
As is, you have Schrödinger’s Health insurance that’s both cancelled and not cancelled depending on whether you make a claim.
If you don’t have Rechtsschutz, don’t want to involve a lawyer, and do need Swiss health insurance, my advice is to try to get the insurance company you want to insure with involved.
Contact the ombudsman
https://om-kv.ch/
I did this once after a six month dispute, the health insurance immediately admitted their fault when they intervened
Those this concern basic health insurance? The governing law for the mandatory basic health insurance is not the [VVG](https://www.fedlex.admin.ch/eli/cc/24/719_735_717/de) but the [KVG](https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/de), and there is no 14 day recall period.
My change also somehow didn’t work, even dough I’m sure to have done everything correctly. My old insurance says to never have received a termination. Now I have two health insurances and have to cancel the “new” rightful one. Hope won’t be to much of a hassle
OP: VVG applies to supplementary insurance only. Basic insurance is covered by its own law (KVG). It doesn’t seem to have grace period for cancelation, but I didn’t read carefully.
So, it depends, I guess.
Link: https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/de