Unscrupulous agents often use aggressive cold-calling methods and false information to persuade potential customers to meet them. Some of these agents make promises about premiums and claim to be working with SWICA.
SWICA rejects all dubious practices of this sort. SWICA does not share customer information with third parties and does not therefore work with brokers or agents who call from abroad or make groundless promises about reduced premiums. Insurance cover depends on the individual requirements of each insured person. These circumstances can only be clarified during a professional advisory meeting.
In order to take action against these nuisance calls, SWICA – together with 39 other health insurers – signed an industry-wide agreement in January 2020. The signatories to this agreement reject cold calling as a means of acquiring new customers. They also place limits on commissions for sales staff. The maximum commission in basic insurance is set at 70 francs, while the commission for supplementary insurance will be limited to one annual premium. Furthermore, the agreed quality and transparency standards will give customers more legal certainty. The agreement will come into force on 1 January 2021.
If someone calls you, allegedly on behalf of SWICA, please ask the caller the following questions:
Please note the information you receive and pass it on to us. Please also ask for the caller's phone number and forward it to SWICA using the contact form. You can also report dubious agents to santésuisse (the association of Swiss health insurers) or to the State Secretariat for Economic Affairs SECO. Thank you for your help.