Supplemental insurance: why was my application rejected?
Being rejected for supplemental insurance can negatively affect future applications. Comparis explains why insurers might reject you.
11.04.2024
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1. Supplemental insurance rejected: why is this allowed?
Basic insurance is compulsory in Switzerland for all residents. Health insurers are obliged to accept everyone for basic insurance.
The situation is different when it comes to supplemental insurance: these policies are optional, and there is no obligation for health insurers to accept applications. Health insurance companies may therefore reject applications without giving a reason.
Insurance advice at Optimatis
Optimatis, the brokerage partner of Comparis, helps you find the right supplemental insurance for you. On request, the insurance experts from Optimatis or its contractors can optimize all your insurance products free of charge.
2. Why might an application for supplemental insurance be rejected?
There is no publicly available list of criteria for the acceptance or rejection of a supplemental insurance application. However, a health check plays an important role in whether you get accepted or not. In it, you must truthfully answer questions about any illnesses and treatments you have had in recent years.
Good to know: pre-existing conditions or genetic testing results will not necessarily lead to a rejection. But they may be a reason for health insurers to apply exclusions or to reduce the benefits they offer.
3. My application for supplemental insurance was rejected. What can I do?
Was your application for supplemental insurance rejected? There’s usually nothing you can do about this. However, you could try taking out insurance with another health insurer.
It’s worth taking a look at your patient file in any case. This can give you an indication of why the health insurance company rejected your application. Check that the information in it is correct. You can have your patient file reviewed by the Swiss Patient Organisation Foundation (SPO) (not available in English).
This article was first published on 11.04.2023
