And for a health insurer (basic insurance)?

That's social insurance: see "Objection to a social insurance decision".

The insurer relies on an exclusion?

Not necessarily the end: exclusions must be clear and, in case of doubt, are interpreted in favour of the insured.

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Your insurer refuses to pay or only reimburses part? We analyse your policy and the decision, then write a reasoned claim.

The policy, general terms, refusal letter and documents about the claim.

Claims under an insurance contract generally expire after five years (art. 46 ICA). The private insurance ombudsman can help free of charge.