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  #21  
Old 24.02.2015, 10:21
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Re: Health insurance for my wife? how does it work

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Is accident insurance premium? Can they deny coverage?
No, no.

Tom
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  #22  
Old 24.02.2015, 10:25
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Re: Health insurance for my wife? how does it work

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No, no.

Tom
Very concise indeed

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Is accident insurance premium? Can they deny coverage?
What can happen is that your employer refuses to pay part of the non work-related accident insurance premium coverage. He is always responsible to cover the full work-related accident insurance premium, though, as it is only through work that one is exposed to the possibility of work-related accidents in the first place. Whereas non work-related accidents can, as the name indicates, happen anywhere outside of work
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  #23  
Old 24.02.2015, 10:40
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Re: Health insurance for my wife? how does it work

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Be prepared for paying ~ 500chf a month for her insurance though (even with a fairly high franchise) if you're also taking out complimentary insurance and accident for your wife. Geneva is horribly expensive.
Have a word with your insurance company, it's possible they have a spousal reduction scheme. It'll be small but every bit helps.
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Simply go to comparis.ch and punch in some numbers to find out exactly what you would have to pay. I've never heard of someone paying 500CHF for basic insurance but it will depend on where you live and the franchise chosen.
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Me either, probably between 180-200Chf a month for basic insurance dependent on which one you choose and where you live. As already mentioned comparis.ch. is your friend.
If you'd read Anjela's post properly you'd see that her figure of 500chf plus included accident and supplementary cover in Geneva which is one of the most expensive cantons for health insurance premiums.
If the OP only took basic plus accident with a high franchise it would obviously be lower than that.
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  #24  
Old 24.02.2015, 11:40
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Re: Health insurance for my wife? how does it work

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If you'd read Anjela's post properly you'd see that her figure of 500chf plus included accident and supplementary cover in Geneva which is one of the most expensive cantons for health insurance premiums.
If the OP only took basic plus accident with a high franchise it would obviously be lower than that.
If you read Anjela's post you'd see that it is not that clear accident and supplementary cover were inclusive to the perticular policy chosen.
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  #25  
Old 24.02.2015, 11:55
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Re: Health insurance for my wife? how does it work

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If you read Anjela's post you'd see that it is not that clear accident and supplementary cover were inclusive to the perticular policy chosen.
It was very clear to me.
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Old 24.02.2015, 11:58
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Re: Health insurance for my wife? how does it work

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It was very clear to me.
Obviously, you are a woman.
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Old 24.02.2015, 12:10
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Re: Health insurance for my wife? how does it work

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No, no.
True. Although they can refuse to cover accidents from certain highly dangerous sports - base jumping, motor racing or downhill biking for example.

Just in case anyone out there indulges in these.
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  #28  
Old 24.02.2015, 12:24
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Re: Health insurance for my wife? how does it work

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Be prepared for paying ~ 500chf a month for her insurance though (even with a fairly high franchise) if you're also taking out complimentary insurance and accident for your wife. Geneva is horribly expensive.
Have a word with your insurance company, it's possible they have a spousal reduction scheme. It'll be small but every bit helps.
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If you'd read Anjela's post properly you'd see that her figure of 500chf plus included accident and supplementary cover in Geneva which is one of the most expensive cantons for health insurance premiums.
If the OP only took basic plus accident with a high franchise it would obviously be lower than that.
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If you read Anjela's post you'd see that it is not that clear accident and supplementary cover were inclusive to the perticular policy chosen.
My post was perfectly clear SOBEIT, everybody else understood it.
there's no comma between 'franchise' and 'if'; if there had been it possibly might have been read as the accident and complimentary insurance not being included but as it is it's correct.

Just as an example for Geneva, my youngest son (32), has basic insurance plus complimentary insurance which includes dental and glasses, and he's not restricted to doctors within one of these limited group medical practices. Each policy has an annual franchise of 500 francs a year. At the moment he pays 670 per month.
When he moves to the Neuchatel area later this year he'll be paying less than 300 for exactly the same cover.

As I said, Geneva is expensive!

Last edited by Anjela; 24.02.2015 at 15:05.
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Old 04.03.2015, 20:29
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Re: Health insurance for my wife? how does it work

Assura is one of the lower priced and good ones
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  #30  
Old 05.03.2015, 08:04
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Re: Health insurance for my wife? how does it work

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Just as an example for Geneva, my youngest son (32), has basic insurance plus complimentary insurance which includes dental and glasses, and he's not restricted to doctors within one of these limited group medical practices. Each policy has an annual franchise of 500 francs a year. At the moment he pays 670 per month.
When he moves to the Neuchatel area later this year he'll be paying less than 300 for exactly the same cover.

As I said, Geneva is expensive!
A policy like that would be expensive in most places. I entered my details into comparis using a central Geneva postcode and it gave me a price which was almost identical to what I paid in Bern. It was 286CHF but clearly a higher franchise.

Last edited by salie; 05.03.2015 at 08:18.
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  #31  
Old 05.03.2015, 10:13
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Re: Health insurance for my wife? how does it work

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A policy like that would be expensive in most places. I entered my details into comparis using a central Geneva postcode and it gave me a price which was almost identical to what I paid in Bern. It was 286CHF but clearly a higher franchise.
If you've used a higher franchise then comparing Geneva and Berne is useless.... what did you get if you compared like for like?

Anyway, the OP wants to know if his wife gets out of paying for her health insurance (or gets a lower rate) just because she doesn't work.
The simple answer is 'NO'.

The cheapest option is to opt for Basic (plus Accident in her case as a non-worker), and to chose the highest franchise possible. But they need to be aware that they're responsible for paying all medical bills that arise until that franchise level is reached, and that each and every year.
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Old 05.03.2015, 10:24
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Re: Health insurance for my wife? how does it work

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If you've used a higher franchise then comparing Geneva and Berne is useless.... what did you get if you compared like for like?

Anyway, the OP wants to know if his wife gets out of paying for her health insurance (or gets a lower rate) just because she doesn't work.
The simple answer is 'NO'.

The cheapest option is to opt for Basic (plus Accident in her case as a non-worker), and to chose the highest franchise possible. But they need to be aware that they're responsible for paying all medical bills that arise until that franchise level is reached, and that each and every year.
I compared like for like for my own details to see if Geneva was especially expensive. As I said, it came out the same as Bern.
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  #33  
Old 05.03.2015, 10:25
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Re: Health insurance for my wife? how does it work

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A policy like that would be expensive in most places. I entered my details into comparis using a central Geneva postcode and it gave me a price which was almost identical to what I paid in Bern. It was 286CHF but clearly a higher franchise.
I have just done a comparison of like for like in Geneva and Bern and these are the results.
Central Bern or central Geneva, born in 1980 with accident cover, a 500 chf franchise and standard model.

Geneva

https://en.comparis.ch/krankenkassen...d-298e85fe4938


Bern

https://en.comparis.ch/krankenkassen...2-ec52523c2877

There us not much difference between the two to be honest if you choose Assura but the others are generally quite a bit more expensive in Geneva and Bern is not one of the cheaper cantons for health insurance either.


Not sure why my post above merited a groan from you.
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  #34  
Old 05.03.2015, 13:51
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Re: Health insurance for my wife? how does it work

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Not sure why my post above merited a groan from you.
I find it unnecessary to say "if you read it properly"

I did read the post and fully understood it. As you've also demonstrated, Geneva is just as expensive as some other places and the cost depends what you want to pay for. Wrongly or rightly, I made the assumption that as the OP was worried about the cost, they would be targettng the lowest rates without additional, expensive supplements.
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Old 05.03.2015, 14:15
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Re: Health insurance for my wife? how does it work

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I find it unnecessary to say "if you read it properly"

I did read the post and fully understood it. As you've also demonstrated, Geneva is just as expensive as some other places and the cost depends what you want to pay for. Wrongly or rightly, I made the assumption that as the OP was worried about the cost, they would be targettng the lowest rates without additional, expensive supplements.
Well your response didn't give that impression as you only mentioned basic when the quoted post referred to supplementary as well.
I also said that Geneva was one ofthe most expensive places not the most expensive.

As I showed in my example it is easily possible to pay 500 chf per month just for basic insurance in both a Geneva and Bern and Anjela was just giving him fair warning that the costs may be as much as 500 chf depending in the options he chose.
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