I came across an Instagram ad for additional dental insurance called Oral Dent 360 in Ukrainian. It seemed legitimate, so I left my contact details to get more info. Shortly after, an agent called me,was very nice and friendly, speacking my lenguage and seemed very fluent in a topic , so I relaxed and then she collected my personal data one by one,very technical i would say. Then she told me that a German-speaking employee would later call to "confirm my data" – that it was just a formal procedure. And then she said that they will send me their proposal and tariffs to see, and then if I agree we can start from next month.During the conversation she asked mt to tell any iban. That it's just so system can let it go further. I ask if I can give the number in my old card I don`t use. She said yes? and I thought it`s kinda safe just in case.In a week I recieved a full policy contract with tones of pages and all the data they recieved from me by call including those iban and that it starts 1 of April.At those moment, I was super stressed about dental visit I had before and crazy high dental costs, which are not covered by public health insurance. Somehow insta alhorhytms started intensively showing me this add of Oral dent 360. My friend did an implant recently with an additional dentist insurance, so I thought it's something like that and just wanted to get an info. So yeah, it was not smart to give all my personal data by phone to unknown agent from insta. I just had no idea that such a sing is possible and companies can do scam in a public media spaces and this second call where I had to answer "Ja" to confirm my info to recieve a letter from them is something they can use to put me in a contract. It's absolutely shoking and unexpected. Also knowing that other ukrainians calling thair compatriots and you into signing up for money laundering.When I received a full insurance contract from Münchener Verein, a company I had never even heard of before I was really scared that I give my data to scamers! Their name wasn't even the same as in the advertisement. When I checked online, also ChatGPT confirmed that Münchener Verein seemed a real company, but unfortunately with a scammers actions.It is absolutely unacceptable to take advantage of stressed and vulnerable people, especially Ukrainians who are stressed enough from war and survaving in Germany with all this terrible burrucracy, mostly refugees , with a lack of money and high medical costs to any dental treatment beyond basics. Targeting them with misleading ads, extracting their personal data under false pretenses, and signing them up for unwanted policies without consent is beyond unethical.I strongly warn everyone to beware this company and their aggressive insurance sales tactics.
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