Login or Sign Up
 
 
 
 
 
 
 
 
 
 
 
 
 
Global Forums > General > Advisor Swiss Insurance - BEWARE OF SCAM
 
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
 
15 Replies | 1451 Views      |  Send to friend
 
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
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
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 9

Hello

I am just informing everyone here that I am in the same boat. I have sent mutltiple reminders for medical bills that are over 2 years old, and I have more or less lost hope that I will be paid back.

They owe me around 1300 chf, and im affraid a lawyer costs most likely would cost more than this.  Would you be so kind to inform me how much your lawyer charged you

All the best

The text you are quoting:

Hello

I am just informing everyone here that I am in the same boat. I have sent mutltiple reminders for medical bills that are over 2 years old, and I have more or less lost hope that I will be paid back.

They owe me around 1300 chf, and im affraid a lawyer costs most likely would cost more than this.  Would you be so kind to inform me how much your lawyer charged you

All the best


John Snow, Feb 10, 2020 @ 10:36
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 10

Hello Every body


I am working for an international health insurance, Opal Insurance.


So if someone has question or wants more informations, don't hesitate to contact me with pleasure !!

The text you are quoting:

Hello Every body


I am working for an international health insurance, Opal Insurance.


So if someone has question or wants more informations, don't hesitate to contact me with pleasure !!


Rayan Ouafi, Feb 10, 2020 @ 13:53
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 11

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? 


Jan 16, 20 22:44

Hi Francis,


 


I am working for Opal Insurance, an international health insurance.


If you want we can exchange about that ?

The text you are quoting:

Hi Francis,


 


I am working for Opal Insurance, an international health insurance.


If you want we can exchange about that ?


Rayan Ouafi, Feb 10, 2020 @ 13:55
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 12

I fully agree 100%. I've been fighting with them for months to have them both pay the hospital bill they owe from 2018, and a reimbursement for invoices from last year, since apparently they "changed their contract" to having students pay everything upfront and then they will be reimbursed (in an indefinite amount of time, if at all). 


Has anyone cancelled your contract with them, and if so, what kind of documents do you need? I called and was told that I couldn't according to their vague "terms" (which they then sent me a copy from 2014...) but surely someone has? It is only up to them? And also, if you ended up getting out for whatever reason, change of status or getting a full time job, are they still obliged to pay what they owe you? Unfortunately I'm still a low-paid intern so I can't get a lawyer but I would just be happy with switching to a different insurance instead of having to wait until September of this year. 


Also, do anyone know specifically what swiss authority we can contact to complain about them? I agree that they're still running because not enough people have complained officially.


 


Thank you!!! I'm so glad this thread exists. 

The text you are quoting:

I fully agree 100%. I've been fighting with them for months to have them both pay the hospital bill they owe from 2018, and a reimbursement for invoices from last year, since apparently they "changed their contract" to having students pay everything upfront and then they will be reimbursed (in an indefinite amount of time, if at all). 


Has anyone cancelled your contract with them, and if so, what kind of documents do you need? I called and was told that I couldn't according to their vague "terms" (which they then sent me a copy from 2014...) but surely someone has? It is only up to them? And also, if you ended up getting out for whatever reason, change of status or getting a full time job, are they still obliged to pay what they owe you? Unfortunately I'm still a low-paid intern so I can't get a lawyer but I would just be happy with switching to a different insurance instead of having to wait until September of this year. 


Also, do anyone know specifically what swiss authority we can contact to complain about them? I agree that they're still running because not enough people have complained officially.


 


Thank you!!! I'm so glad this thread exists. 


Melba Sanchez, Mar 19, 2020 @ 18:56
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 13

I have been with Groupe Mutuel (Avenir) for over 30 years and never had a problem with anything.  They always refund quickly after you have spent more than your franchise (the CHF 500 to CHF 5000 that you must pay yourself).   That's why I am not changing to one of the cheap companies even though Groupe Mutuel seems very expensive.

The text you are quoting:

I have been with Groupe Mutuel (Avenir) for over 30 years and never had a problem with anything.  They always refund quickly after you have spent more than your franchise (the CHF 500 to CHF 5000 that you must pay yourself).   That's why I am not changing to one of the cheap companies even though Groupe Mutuel seems very expensive.


Marcus T, Mar 22, 2020 @ 13:34
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 14

Absolutely agree. From my experience having been with them for couple of years, it is the most ourageous, shameless, disrespectful insurance i have ever seen. You need to terrorise them to be able to obtain any reibursement. On top of that they dont even reply to your emails for months. 


I had cases when i called and talked to them - a worker would say she would follow up and then they disappear.  Everytime it is someone else who is takin over your case. 


I am just stunned that insurances like that are allowed and offered within various universities. 


 


 

The text you are quoting:

Absolutely agree. From my experience having been with them for couple of years, it is the most ourageous, shameless, disrespectful insurance i have ever seen. You need to terrorise them to be able to obtain any reibursement. On top of that they dont even reply to your emails for months. 


I had cases when i called and talked to them - a worker would say she would follow up and then they disappear.  Everytime it is someone else who is takin over your case. 


I am just stunned that insurances like that are allowed and offered within various universities. 


 


 


ViVi Kai, Jul 28, 2020 @ 10:01
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
Only members can see photos
Only members can see names and photos
Re: Advisor Swiss Insurance - BEWARE OF SCAM
Post 15

You should use this online comparative website to check the different insurance companies and different options and then deal with the insurance company directly and not go through an intermediary, especially if you are new to Switzerland:


https://en.comparis.ch/krankenkassen/default


Don't forget: the Federal Government sets a national minimum standard. There are variations in prices of course which can be illological for sure. Your year of birth and your postcode also affect the premium. If you work here more than 8 hours per week, there's no need for Accident insurance as it should already be covered in your work contract. 

The text you are quoting:

You should use this online comparative website to check the different insurance companies and different options and then deal with the insurance company directly and not go through an intermediary, especially if you are new to Switzerland:


https://en.comparis.ch/krankenkassen/default


Don't forget: the Federal Government sets a national minimum standard. There are variations in prices of course which can be illological for sure. Your year of birth and your postcode also affect the premium. If you work here more than 8 hours per week, there's no need for Accident insurance as it should already be covered in your work contract. 


Anne-Marie L, Jul 31, 2020 @ 09:26
Your Reply:
Reply  Reply With Quote  Thank Poster
! Report to Admin
15 Replies | 1451 Views      |  Send to friend
 
 
 
Feedback Form