Before I signed the contract, I was asked to do a medical test. After that, I sent them an email inquiring about the next step. I did this because I wanted to know if it is possible to get a medical result, finalize the contract and send it to my current public insurance company prior to the original agreed contact start date. Then I was told the following:“in order to be able to send you the results of the exam before the start of the insurance, we would have to charge for the cost of the exam, which is around 200 - 300 euro. Let us know if you wish this. Otherwise, the results will be uploaded around 1 - 2 weeks after your contract has started and we have charged the first insurance premium to your bank account.”I was confused about the statements and got nervous all in a sudden. After a few minutes, one of the staff from ottonova called and explained me that there were some misunderstandings between me and his colleague. In any case, he had just finalised the offer of my insurance. I had to confirm it via their app. However, when I went through the medical result page, there was a surcharge but without any detailed explanation. For example, there were 3 items underneath the surcharge figure. One related to my previous operation; the second one was called “Value for triglycerides increased” and the last one was “eyeglasses”. As told by the staff, I could neither know the proportion of each item to the total amount of surcharge, nor could I view any detailed information about the medical report before signing the contract. My impression was that the expression was so inaccurate that it could not be stated as an “increase” since they did not know even the value of my triglycerides before. Even if it should mean that the value is higher than normal, I still doubt it because I basically have a very healthy daily diet!! Given that the staff stressed that even with the surcharge, the price is still lower than my current public insurance company, I ended up signing the contract via the app. But I still feel very uncomfortable about this. How can they ask someone to sign a contract at a higher price without providing more detailed information or a better explanation about the surcharge?
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