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| My understanding is that VHI global is more than a simple travel insurance and for that reason *could* be accepted in CH (although I`m sure this will depend on the canton). What did concern me a little is that there was a limit on the amount they would pay...Blonaybear, I´m sorry to hear of your friend´s illness, but it does raise an important point - I´m still getting to grips with the Swiss system, but am I right that a Swiss insurance would be obliged to cover all medical costs, and that this is the major difference between the Swiss and "foreign" insurances? (btw are you working in insurance, or just writing from experience?). So, I´m leaning towards taking a Swiss insurance (helped by the fact that it has been almost impossible to get in touch with VHI for info anyway)... | |
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I was a registered insurance broker in the UK and my Swiss wife is a councillor for a medical insurance company.
There’s an excellent explanation on this forum of the health insurance so I won’t repeat it.
You’ll find it here.
The health insurance regulations are a Federal matter.
Regarding VHI I did have a look at their website and while they quote what their policy covers I couldn’t find the actual policy conditions so I can’t say much about it, although it does seem to be designed for travel rather than residence in another country.
Try this, have a look at
comparis.ch (it’s in English) and see what a Swiss premium is for yourself and then compare it with what you are paying VHI. Lets say, for example, that the best Swiss quote is, say, CHF 300 and you are paying VHI, say, CHF 150 then be very suspicious !
I’m surprised that you haven’t been able to contact VHI as they should have a 24/7 service for international cover. If you needed treatment and don’t have Swiss cover the hospital would try to contact VHI for a guarantee.
I sincerely hope that you don’t fall down a flight of stairs and get a severe injury but, if you do, the last thing you will want is to worry that you’ve got good insurance cover and if the bills are going to be paid.
Hope this helps.