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Advisor Swiss Insurance - BEWARE OF SCAM

Dears,


I'd like to leave this message to all students entering Switzerland.


PLEASE DON'T fall into the trap of Advisor Swiss Insurance (for those who don't know it's an "insurance" company, that call fit the Lamal requirements). Yes, it's cheap. But they are a scam. 


They won't refund your medical bills, even if well surpassed the franchise, though will keep charging you their fees. 


If you need any medical assistance, you will be on your own, don't take that risk. 


In my case, they said they would take three months to refund, then said four, we're now ten months in, and still nothing, yet they refuse to give a date. It's clearly a scam made to take money out of foreigners.


 

The text you are quoting:

Dears,


I'd like to leave this message to all students entering Switzerland.


PLEASE DON'T fall into the trap of Advisor Swiss Insurance (for those who don't know it's an "insurance" company, that call fit the Lamal requirements). Yes, it's cheap. But they are a scam. 


They won't refund your medical bills, even if well surpassed the franchise, though will keep charging you their fees. 


If you need any medical assistance, you will be on your own, don't take that risk. 


In my case, they said they would take three months to refund, then said four, we're now ten months in, and still nothing, yet they refuse to give a date. It's clearly a scam made to take money out of foreigners.


 


Filipe GonzagaNov 19, 2019 @ 14:56
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 1

I abolutely second this.
I honestly blame the Swiss authorities for allowing this "insurance" to operate and scam foreign students who usually don't understand how the Swiss health insurance system works upon their arrival and are easy prey for this scam company...
I know people who have been waiting for 2000+ CHF worth or reimbrsement since early 2018...
I personally hired a lawyer, because that's the ONLY way they will pay me back...

The text you are quoting:

I abolutely second this.
I honestly blame the Swiss authorities for allowing this "insurance" to operate and scam foreign students who usually don't understand how the Swiss health insurance system works upon their arrival and are easy prey for this scam company...
I know people who have been waiting for 2000+ CHF worth or reimbrsement since early 2018...
I personally hired a lawyer, because that's the ONLY way they will pay me back...


Safa Z, Dec 21, 2019 @ 13:52
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 2

Hey Safa, maybe it's because the right authorities are not aware.


I've sent a message to the Lamal office, and also a letter to the swiss public ministry. I'd suggest (if you still want justice) to send a letter to them.


I'll get a lawyer to sort it out, as i've +5k in medical bills with them.... Thanks ! 

The text you are quoting:

Hey Safa, maybe it's because the right authorities are not aware.


I've sent a message to the Lamal office, and also a letter to the swiss public ministry. I'd suggest (if you still want justice) to send a letter to them.


I'll get a lawyer to sort it out, as i've +5k in medical bills with them.... Thanks ! 


Filipe Gonzaga, Jan 10, 2020 @ 23:06
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 3

Hi Filipe,


If you want, I can refer you to my lawyer (he is based in Geneva).


I got my money back in 10 days after he sent them a "lettre de mise en demeure".


Some of my friends did the same, and they were paid back as well.


I hope you're next!


SZ

The text you are quoting:

Hi Filipe,


If you want, I can refer you to my lawyer (he is based in Geneva).


I got my money back in 10 days after he sent them a "lettre de mise en demeure".


Some of my friends did the same, and they were paid back as well.


I hope you're next!


SZ


Safa Z, Jan 11, 2020 @ 10:24
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 4

Hi everyone,


I second this aswell. After they confirmed the receipt of medical bills they said that the refund could be made within three months. Four months in with ample unreplied e-mails and phone calls I still haven't received a reimbursement. On top of that all UN and WHO interns are collectively insured through them. Highly unethical to scam sick unpaid interns...

The text you are quoting:

Hi everyone,


I second this aswell. After they confirmed the receipt of medical bills they said that the refund could be made within three months. Four months in with ample unreplied e-mails and phone calls I still haven't received a reimbursement. On top of that all UN and WHO interns are collectively insured through them. Highly unethical to scam sick unpaid interns...


Kasper Blom, Jan 13, 2020 @ 18:55
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 5

That is such a shame! I'm sorry that has happened to all of you.


I'm looking at healthcare options and I was considering them. Not anymore! So thank you.


What provider do you now recommend? 

The text you are quoting:

That is such a shame! I'm sorry that has happened to all of you.


I'm looking at healthcare options and I was considering them. Not anymore! So thank you.


What provider do you now recommend? 


Francis McGuire, Jan 16, 2020 @ 22:44
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 6

Hi Francis,

Glad you stumbled upon this thread!


Are you a student? If you are, ScoreStudies are a good option.
I personally switched to Groupe Mutuel, a bit more expensive but no hassle.

Hope this helps!

SZ

The text you are quoting:

Hi Francis,

Glad you stumbled upon this thread!


Are you a student? If you are, ScoreStudies are a good option.
I personally switched to Groupe Mutuel, a bit more expensive but no hassle.

Hope this helps!

SZ


Safa Z, Jan 17, 2020 @ 14:34
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 7

Safa, do you have a copy of the letter? 

The text you are quoting:

Safa, do you have a copy of the letter? 


Filipe Gonzaga, Jan 17, 2020 @ 18:05
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Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 8

I do. I will message you privately.

The text you are quoting:

I do. I will message you privately.


Safa Z, Jan 17, 2020 @ 18:17
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