Swisscare International Insurances  レビュー 

I'm a student form the EU, currently studying abroad.
I got the student coverage for 6 months. And currently got a second policy for another 6 months.

So, the first 6 months were ok, I made some outpatient treatment claims, for very basic stuff, like stomach upset, cold, some conjunctivitis.

They were very basic costs, maybe like 100 Euros per claim, much cheaper than the EU for sure. So, I made the claims had no issues, went on with my life

Then... I recently got a second policy from January to June 2022. I made another very basic claim for conjunctivitis.

And guess what? They refused to pay it because, now they count it as a chronic or pre-condition from the first policy? Wow that sounds like a lot of nonsense. Still very basic outpatient costs 100-150 euros, for acute conjunctivitis during winter which is very common.

They say that, it's a pre condition, a planned visit and not emergency treatment.

They wrote me a very long email trying to excuse themselves for why they are not paying my claim.

Wow I'm utterly shocked, it's a simple outpatient claim and they can't afford to pay it? I can't even imagine what would happen if I had a real emergency and I was in the hospital and I really needed the insurance.

So this company is extremely unreliable and they will try to weasel out themselves to not pay your claims.

They also said that my policy was not valid.

Wow they are trying really hard not to pay a simple claim. I'm still in shock.

Stay away from this company, much better options out there.

Very disappointed.

I’m in need of emergency care, but I don’t know which hospital to go to, the website and the app don’t have the list of the medical network, which is absurd. I emailed yesterday asking which hospitals in Sevilla accept the plan and appears an MSG that says that the response time is up to 3 useful days. Do you think an emergency can wait 3 useful days for a simple answer? The person dies and the answer is not enough.

As an international student, I was looking for the most affordable and helpful ways for the insurance. Glad that found and used Swisscare!

It was even impossible to upload the claim. Should I say they even didn't intend to pay? And how it is possible that all bad reviews disappiared from google?

I had a contract with them for 3 years in which I only received the quarterly payment account. When I had to end the contract I was not considered at all, I had to write 8 emails and each time it seemed that no one was interested in reading them, giving me things that had nothing to do with the demand. The customer service is a horror, I do not recommend it at all.

It's been about 1 year that I had some issues with Swisscare regarding the cancellation of my premium. After several contacts made, the matter was not resolved at all. But still, in such companies, there are a number of dedicated and responsible personnel who care about the customers' problems. In less than two weeks, my issue is resolved in a fully respected manner. I would like to thank Ms. Carolina Souviron who wanted to hear the story from my point of view and I appreciate her for such dedication and responsibility. I give a 5 star.