A new headache is coming this month, I have for me and my family the supplemental health insurance (LCA as it’s officially called) that is about to be at the end of the very long 5 years period and I have a shot to change them if needed.
I really want to optimize it a bit but LCA are really pervert as it might be difficult to get out but even more difficult to get back in. We are all at Assura (like the base as well, nothing really cheaper these last years), but all member of the family have a different combo of LCA. There is a base package (Complementa Maxi or Extra depending when started, of course the Extra replace the Maxi with higher price and almost nothing added beside a few hours more of house cleaning or something), this I will not touch. But then they are a lot of other package, Denta is clear, I think for kids it might be important, I will keep it for all kids, adult optional, Natura is clear as well, for natural medicine like Osteophaty (thus the among of money they give back is so limited that I’m wondering if it has any sense).
Then I see some of the family member with Previsia, it’s a kind of package with accident coverage and some very limited life/disability insurance (great to get 3000frs in case of a family member death… really life changing If you allow me the dark joke). Then about the accident coverage, it looks like most is cover by LAMAL, the base, and by the Complementa Maxi/Extra, so I was wondering, what’s the point then? But then I saw that some family member have some of the LCA with accident and some without (even kids, that are obviously not covered by work insurance).
Even more scary, in the general conditions, Previsia looks like not possible to cancel for the whole lifetime?! I cannot believe this, or is it only from Assura side, they cannot stop it if you will to keep it?
I really want to clean this up and keep only what is important and might cover very high cost single event or long term event that would significantly impact our budget, I don’t care for a cashback on something that will give us back 500, 1000 or even 3000frs only once that has 1% risk to happen in the next 10years, if not the lifetime. I want only to cover event that would cost tens of thousands or will incurred a life long or very long period with a high cost that is mostly covered. I see that most things are covered up to a maximum that is quite low (500 or 1000frs per year).
First I was even looking to change completely our insurance LCA to another one but after checking Comparis, it’s a huge nightmare, not 2 company offer the same and how can I guess what I would need or not. From what I found, all cheaper alternative cover much less and the one that cover slightly more are way more expensive. Also the whole family is still relatively young so we have no guess of what might happen in the future like most people of course.
Of course if you want to add new insurance it’s very easy with a couple of click but if you want to remove and change existing one, nothing is possible online. I asked to be called to clarify but I’m still waiting.
Is there any serious article or recommendation from a trusted party (FRC, Bon à Savoir, Konsumentenschutz, …) ? What is your strategy with risk, possible cashback and cost?