Broker lied and made me sign official documents

Finance, Taxes, Banking, Insurance and Retirement
1
So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I don’t know much about the broker situation here so I met this person.

She explained the plans and I was interested to know more. She asked for my personal details and made me sign some documents from the company. She claimed this is ONLY for inquiring if the company will accept my profile and this is not a contract. I have asked more times since I don’t want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.

However a few days later I received some contract from the insurance company!

Now she told me it is hard to get rid of it.

I know it’s stupid to sign such things but she was clearly lying to me to make me sign! This is violation of article 45??

Is there anyone who has experience on this? Is it possible to get help??

Thanks in advance everyone!

2
First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: Health insurance, legal advice

3

Yes I never signed such things but don’t know why that day I was blind

I have already emailed and written a letter to the company to quit but there is no reply.

I don’t know if I should go to police ...

Thanks a lot for the post!

4
Forget email, send a registered letter. And forget the police, nothing they can do.

5
Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?

6

Helps to take in what you read.

7
What is the name of the company?

8
It would help to know what exactly you signed and what else do you have in writting from the agent. Especially "not a contract but just inquiry" - do you have this bit in writing/email? If yes, use Art 23 & 24 OR to void the contract. If you have nothing in writing it gets tricky, as the burden of proof is on you.

Edit: another law that can help is https://www.admin.ch/opc/de/classifi.../index.html#a3 - did the agent inform you about the items listed there, especially premium/year? Here I think the burden of proof that they provided the info is on them, so it'll be much easier to ditch the contract this way

9
The contract is with groupe mutuel but the broker is from Avenir

10
From the OP:

And insurance contracts are excluded from the 14 days cancellation period.

11
I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?

12
Yep, else he has no insurance.

And it is the same contract containing the information OP wants to claim was not given to him.

So yeah, he might complain, he might be lucky and get out of it. But if they really want they hold him up to it.

13
It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.

It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?

14
I would think the opposite actually.

I would say that it’s for supplementary insurance as they have to cover everyone for the mandatory insurance so there would be no need to check if they would cover him.

15
She sold me a plan with mandatory with supplemental.

I am now with Swisscare since I’m foreign student.

I only plan to change when I meet the 6 year Limit with Swisscare.

I did not sign a contract yet but according to the document the broke sent. She ticked that “it was a official request for contract”, but what she said was “just to check if the company will accept my profile, not for a contract”.

16
Agents do this as that's how they earn their commission.

The trick, in future, is to take the documents but not to sign them when the agent is there, under pressure.

Tell the agent you'll read through them in your own time, sign them, and send them back by post.

Agents hate this though and will try and persuade you to sign on the spot.

17
And if they still persists you kindly show them the hole the mason left in the wall and were coincidentally the carpenter put a door in.

18
And don't forget to ask them if they want to sleep over since you like reading in bed.

19
Now I will definitely do as you said....

I did this once to another broker of same type and no wonder he was so disappointed....

20
I just sent a registered letter explaining what happened...

Thanks for your advice! Hope it will work ....