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Old 05.10.2007, 21:15
BenK BenK is offline
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Re: Very cheap Swiss health insurance for students & researchers

Here below is the info I received from my school about insurance plans offered to students on B permits. It's a helpful spreadsheet so I thought I'd share it here. I was recommended to avoid Student Wide Cover (TradiConsult S.A.), www.studentcorner.ch, so I didn't bother translating and typing it here.

-Ben

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STUDENT CARE

premium
CHF 80/month
deductible
CHF 100/year
admission
until age 30, modification from age 31
coverage
illness and accident
emergencies: worldwide
complementary option for travel and Schengen visa
guarantee
unlimited
hospital expenses
100% in common division(?)
ambulance expenses
100% of actual cost (There's a distance limit, I remember when I enrolled, but you can pay an extra CHF 14 or 16/month for enhanced ambulance benefits and a longer list of covered prescription drugs.)
maternity
100% in common division(?)
dental expenses
accident
dependent on another disease
serious affection(?)
optical
maximum CHF 200 over 5 years with medical prescription
help and repatriation
50% of expenses
maximum CHF 5000/year
principal exclusions
none
psychotherapy
100% if carried out by a doctor
prevention
50% of expenses, according to contract
maximum CHF 500/year
alternative medecine
all treatments by doctors recognized by FMH
contact
Cré@ssurance
14, boulevard James-Fazy
1201 Genève
022 901 19 66/14
delia.crea@bluewin.ch


GMC

premium
CHF 96/month for up to age 25
CHF 190/month for age 26-30
CHF 230/month for those from age 31
deductible
CHF 300/year
10% of ambulance expenses
admission
maximum age 40
coverage
illness and accident
emergencies: worldwide & country of origin
guarantee
unlimited
hospital expenses
100% in common division(?)
ambulance expenses
90% of cost
maternity
100% in common division(?)
dental expenses
90% of cost
maximum CHF 360/year
optical
no coverage
help and repatriation
coverage with legal assistance
principal exclusions
check-ups
orthodontic treatments
non-emergency expenses taken without prior agreement
non-prescribed care
psychotherapy
90% if carried out by a doctor
preliminary agreement
prevention
only gynaecological control
alternative medecine
osteopathy, homeopathy, acupuncture, chiropractic
contact
A.I.F. Services Sarl
67, rue de la Servette
1202 Genève
022 748 20 70
www.aifservice.ch


Golden Care

premium
CHF 250/trimester
CHF 499/semester
CHF 972/year
deductible
CHF 75/illness
admission
modification of insurance conditions from age 35
coverage
worldwide coverage of illness and accident
guarantee
CHF 1 million/incident
hospital expenses
100% in common division(?)
ambulance expenses
100% of cost
maternity
maximum CHF 14 000
dental expenses
only accidents
optical
no coverage
help and repatriation
100% of cost
principal exclusions
check-ups
orthodontic treatments
pre-existing illnesses
psychotherapy
100% after preliminary agreement
prevention
no assumption of responsibility
alternative medecine
100% of cost after preliminary agreement
contact
Manrisk S.A.
4, rue David-Dufour
1205 Genève
022 800 00 04
www.manrisk.com


SWISS CARE

premium
CHF 990/12 months
CHF 742.50/9 months
CHF 495/6 months
CHF 247.50/3 months
deductible
CHF 300/calendar year
admission
maximum age 40
coverage
illness and accident
emergencies: worldwide
worldwide assistance 24 hours & 7 days a week
guarantee
unlimited
hospital expenses
100% in common division(?)
ambulance expenses
100% of actual cost
maternity
100% in common division(?)
dental expenses
accident
dependent on another disease
serious affection(?)
optical
maximum CHF 200 over 5 years
help and repatriation
50% of cost
principal exclusions
orthodontic treatments
pre-existing illnesses
psychotherapy
100% if carried out by a doctor
prevention
according to LAMal (the Swiss health-insurance standards, as discussed earlier in this thread)
alternative medecine
all treatments by doctors recognized by FMH
contact
Swiss Care
91, rue de Lausanne
1700 Fribourg
084 000 10 01
www.swisscare.ch
info@swisscare.ch

To change health insurance, one must cancel it by registered letter three months before the contract's expiration.
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