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| If you have a job, you have to pay for private health insurance. Your employer must also pay for 'accident' health insurance. As far as I understand it, this also covers off the job accidents, even sports ones like skiing. Your personal health insurance covers chronic things like illnesses and disorders.
As for cost, you can go to www.comparis.ch to find the costs of premiums from the various companies under varying circumstances. You'll need to know a bit of German, French or Italian though.
It'll probably be quite pricey for a complete family but at least the actual services are first class.
Gav | |
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Hez Gav this is a bit misleading...
If you live in Switzerland for any length of time ie you have a residence permit and are not simply on holiday you need to be insured for medical health treatment. If you are employed your employer must cover accidents however this can "only" be obligatory insurance and not private. Here you need to understand the difference between obligatory insurance - which you have to pay for and private which entitles you to things such as a twin or single room in a hospital, quicker treatment, a different menu in hospital(!), the head doctor and of course which you also need to pay for just more.
You also have different franchises which determine the amount of money you need to spend on health care before the insurance kicks in. Clearly the more you pay the cheaper the policy. For children this is irrelevant.
To give you an idea it is not unusual for a monthly adult to cost CHF 150 and a child half of this - the maths you can then do yourself.
BE WARNED:- Children need medical attention regularly or at least it seems to me that way, so do not go for the no frills cheapest of the cheap policy. As for recommendations whatever anyone tells you it seems very much to me to be a question of luck - I have Winterthur because it provides a discount for employees also of Credit Suisse.
Cheers
Richard