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Old 10.09.2015, 10:23
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Re: Can someone explian the swiss emergency medical services?

I still don't get how so many people choose to not call an ambulance: the complementary insurance, in general, is not that expensive (about 15 CHF/month).

Does that mean that insurance companies may refuse to pay (for mid-serious stuff not covered by accident policy, e.g. broken leg) even if you subscribed such an option?
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  #22  
Old 10.09.2015, 10:37
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Re: Can someone explian the swiss emergency medical services?

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I still don't get how so many people choose to not call an ambulance: the complementary insurance, in general, is not that expensive (about 15 CHF/month).

Does that mean that insurance companies may refuse to pay (for mid-serious stuff not covered by accident policy, e.g. broken leg) even if you subscribed such an option?
Many people are not eligible for complementary insurance. It's not a question of cost but rather of access.

And many without complementary insurance cannot afford CHF 500-1500 for the ambulance that they would have to pay out of pocket. So they ask a friend to drive or call a taxi.

And yes, if it is determined that you called an ambulance 'unnecessarily' the insurer might refuse to cover the cost. The big question is what is 'unnecessary'...

An example: A friend was injured while riding his bike. Head and other wounds bleeding profusely, and he thought he had a broken arm. So he called an ambulance.

Turned out his arm was not broken only sprained, and despite all the blood the cuts were relatively superficial. Insurer refused to pay for the ambulance.
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  #23  
Old 10.09.2015, 10:43
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Re: Can someone explian the swiss emergency medical services?

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Many people are not eligible for complementary insurance. It's not a question of cost but rather of access.

And many without complementary insurance cannot afford CHF 500-1500 for the ambulance that they would have to pay out of pocket. So they ask a friend to drive or call a taxi.

And yes, if it is determined that you called an ambulance 'unnecessarily' the insurer might refuse to cover the cost. The big question is what is 'unnecessary'...

An example: A friend was injured while riding his bike. Head and other wounds bleeding profusely, and he thought he had a broken arm. So he called an ambulance.

Turned out his arm was not broken only sprained, and despite all the blood the cuts were relatively superficial. Insurer refused to pay for the ambulance.

They thought that she should have ordered a taxi, and possibly gone to the nearest doctor
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Old 10.09.2015, 10:56
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Re: Can someone explian the swiss emergency medical services?

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They thought that she should have ordered a taxi, and possibly gone to the nearest doctor
And therein lies what I see as a system wide weakness:

On a Sunday or holiday or generally outside business hours there are few options for non-ER treatment. Those in cities often have a Permanence type walk-in clinic open 7 days/week, but that might not be a sensible option for those living out in the boondocks, or when one is out cycling in the mountains.

And, what with the crisis in general practice some small municipalities have had to do away with the 'on call' system among local docs.

I wish we had more after-hours-but-non-emergent options.
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Old 10.09.2015, 11:08
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Re: Can someone explian the swiss emergency medical services?

To answer the OP's original question without heading off on a REGA or insurance tangent; there are plenty of ambulances in Switzerland, exactly as there are in France.... possibly even more per capita than there.
You do not have to make your own way to hospital if you're have an accident or are taken seriously ill.

But (depending on the reason for asking for one) you might be billed for a portion of the cost.
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Old 10.09.2015, 11:21
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Re: Can someone explian the swiss emergency medical services?

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To answer the OP's original question without heading off on a REGA or insurance tangent; there are plenty of ambulances in Switzerland, exactly as there are in France.... possibly even more per capita than there.
You do not have to make your own way to hospital if you're have an accident or are taken seriously ill.

But (depending on the reason for asking for one) you might be billed for a portion of the cost.
I have to say ones French ones are incredibly cheap, I would have paid more in a taxi !
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Old 10.09.2015, 11:41
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Re: Can someone explian the swiss emergency medical services?

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And therein lies what I see as a system wide weakness:

On a Sunday or holiday or generally outside business hours there are few options for non-ER treatment. Those in cities often have a Permanence type walk-in clinic open 7 days/week, but that might not be a sensible option for those living out in the boondocks, or when one is out cycling in the mountains.

And, what with the crisis in general practice some small municipalities have had to do away with the 'on call' system among local docs.

I wish we had more after-hours-but-non-emergent options.

Zürich

http://www.permanence.ch/frame_d.htm


Kt SZ


http://www.sz.ch/xml_1/internet/de/a...712/p22714.cfm
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  #28  
Old 10.09.2015, 11:41
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Re: Can someone explian the swiss emergency medical services?

@BLP, as you're living in France (at least, that's the location given), but seem to be worried about the possibility of needing to call an ambulance if taken ill in Switzerland; rest assured that there are plenty, as well as all the other emergency services.... however, it might be an idea to check what your french health insurance covers and think about getting extra Europe-wide cover if you're really worried about costs during a visit to Switzerland.
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  #29  
Old 10.09.2015, 11:48
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Re: Can someone explian the swiss emergency medical services?

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I have to say ones French ones are incredibly cheap, I would have paid more in a taxi !
Cheap, maybe, but in some cases they're little more than that, seeming to lack even basic first aid skills.

When I was lying on the road waiting for the REGA chopper to arrive there were two ambulance crews there, presumably from different locations, and neither of them could do anything at all for me. I finally got a painkilling jab when a doctor arrived after half an hour or more, but before that I'd been complaining about the discomfort from the spinal protection hump on my leather jacket.

So, given that I'd just impacted an Armco barrier with my back at high speed, and clearly had multiple rib fractures at least, what course of action would you take?

1. Do nothing.
2. Stabilise the patient by padding blankets or similar under his shoulders,while ensuring minimal upper body movement
3. Assist the patient to sit up, stretch out his arms, twist his body and remove the jacket.

Guess which one they took.

Given that ten vertebrae were crushed, at least two of them badly enough to need fusing together, I was quite lucky that their actions didn't paralyse me for life.
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  #30  
Old 11.09.2015, 21:09
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Re: Can someone explian the swiss emergency medical services?

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Many people are not eligible for complementary insurance. It's not a question of cost but rather of access.
why would that happen?

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@BLP, as you're living in France (at least, that's the location given), but seem to be worried about the possibility of needing to call an ambulance if taken ill in Switzerland; rest assured that there are plenty, as well as all the other emergency services.... however, it might be an idea to check what your french health insurance covers and think about getting extra Europe-wide cover if you're really worried about costs during a visit to Switzerland.
I'm moving over the border so I'll not have french insurance
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Old 11.09.2015, 21:16
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Re: Can someone explian the swiss emergency medical services?

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why would that happen?
Because insurances can choose if they want to give patients supplemental coverage or not. They assess you based on the financial risk you pose them. This risk is evaluated through your age, medical history, etc.

Whereas with basic health insurance coverage, insurance companies are required to accept everyone who is resident in CH due to the basic health insurance being based on the Swiss social insurance model, meaning that the young pay for the old (in old-age insurance), the healthy for the ill (in health insurance), the able for the disabled (in disability insurance), the working for the unemployed (in unemployment insurance) etc.

Supplemental - as opposed to basic - insurance can exclude coverage of your preexisting illnesses if they so desire.

So -
Basic health insurance: You are part of the community which gives and receives.
Supplemental health insurance: You are a possible risk to the insurance company which chooses if it wishes to cover you based on your history and probability of relapse etc.
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  #32  
Old 11.09.2015, 21:18
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Re: Can someone explian the swiss emergency medical services?

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Because insurances can choose if they want to give patients supplemental coverage or not. They assess you based on the financial risk you pose them. This risk is evaluated through your age, medical history, etc.

Whereas with basic health insurance coverage, insurance companies are required to accept everyone who is resident in CH due to the basic health insurance being based on the Swiss social insurance model, meaning that the young pay for the old (in old-age insurance), the healthy for the ill (in health insurance), the able for the disabled (in disability insurance), the working for the unemployed (in unemployment insurance) etc.

Supplemental - as opposed to basic - insurance can exclude coverage of your preexisting illnesses if they so desire

So -
Basic health insurance: You are part of the community which gives and receives.
Supplemental health insurance: You are a possible risk to the insurance company which chooses if it wishes to cover you based on your history and probability of relapse etc.
Ok so it seems no supplemental for me. I didn't know they only allowed the basic was possible with pre-existing
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Old 11.09.2015, 21:28
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Re: Can someone explian the swiss emergency medical services?

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I still don't get how so many people choose to not call an ambulance: the complementary insurance, in general, is not that expensive (about 15 CHF/month).
You are missing a 0, CHF 150/month is more realistic.

And even with it, I still had to pay 50%, despite it being called by a doctor.

Tom
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Old 15.09.2015, 01:38
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You are missing a 0, CHF 150/month is more realistic.

And even with it, I still had to pay 50%, despite it being called by a doctor.

Tom
For CHF150 you would get a really good complementary insurance including semi-private room or even private room.

For a really nice complementary insurance, including a lot of important stuff not covered by the basic insurance, you shouldn't pay more than....20/30chf (or even less depending on how complete you want your insurance to be).
That would include 90% unlimited value for the emergency transport (over the 50% - 500chf/year max on the basic insurance).

As Erazor just said, no reason for not having a nice complete insurance police. Unless you already have health problems. To late for a good coverage.

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You are missing a 0, CHF 150/month is more realistic.

And even with it, I still had to pay 50%, despite it being called by a doctor.

Tom
st2lemans, looks like you're in need of some good advice with your insurance

Last edited by 3Wishes; 15.09.2015 at 22:49. Reason: merging consecutive replies
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