I hope this is appropriate to ask in this group: 4 months ago, I relocated from USA to Bern. I got basic insurance from SWICA (the cheapest option). But learned they won’t grant me complimentary insurance if I’m not currently healthy. (( Of course I think that is stupid and counterintuitive, but I understand it’s so the insurance company can save money … )) I am currently “healthy”, but before moving here, I did undergo tests for autoimmune conditions, some of which came back positive with high likelihood. I thought I could continue tests in CH to figure out the specifics, or to rule out any conditions… but with my current insurance, they will 100% deny additional benefits if I disclose my health issues (A customer service rep told me this). All that to say, is there anyone with a similar situation, who could recommend a more inclusive insurance – if there even is one? Or what I should do/research instead? I think my issues will only get worse, so I want to act sooner rather than later. Thanks in advance. submitted by /u/Dismal_Eye_
Originally posted by u/Dismal_Eye_ on r/Switzerland