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Old 14.02.2011, 22:46
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Is annual gynaecological check-up free with medical insurance?

I have read that ‘gynäkologische Untersuchung (die ersten beiden Untersuchungen im Jahresintervall, danach alle 3 Jahre)’, but do not unterstand it well.

Could anyone have a good understanding on it?

PS: I want to do annual gynaecological check-up, but I am not sure about the costs.

Thanks.
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Old 14.02.2011, 22:56
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Re: Is annual gynaecological check-up free with medical insurance?

Straighforward annual check up is about 120 CHF plus about 60 CHF for laboratory cost.

Not sure about the rest, thought it was paid yearly but am really not sure so will refrain from answering

Cheers,
K
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Old 14.02.2011, 23:02
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Re: Is annual gynaecological check-up free with medical insurance?

What I have heard and based on my experiences, it is yearly and it is covered. I think even by the most basic health insurance. But you might want to just call your insurer and ask before you go, or ask your OB/GYN.
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Old 14.02.2011, 23:03
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Re: Is annual gynaecological check-up free with medical insurance?

I don't think that yearly ones are covered by my insurance, but due to previous problems, I have yearly ones and I'm willing to pay for the peace of mind.

I read that to mean that the first two check-ups at a yearly interval (i.e. if your first is in March 2011, then the next is in March 2012) will be covered. Then every 3 years, so the next covered would be March 2015.

Last edited by Kalli; 14.02.2011 at 23:05. Reason: I can't spell and my grammar is appalling
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Old 14.02.2011, 23:08
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Re: Is annual gynaecological check-up free with medical insurance?

hello

I have done my gynaecological check-up and test since a month ago and have paid 350 chf. and it depends on your type of insurance, what minimum amount u have taken ..
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Old 14.02.2011, 23:30
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Re: Is annual gynaecological check-up free with medical insurance?

I paid 350 with ultrasound + lab plus I was sent to mammo for another 180....
My franchise is 2500 so I don't get back anything.
It is absolutely not free.
Basta!
I get fixed everything in my home country, ha-ha!
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Old 14.02.2011, 23:33
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Re: Is annual gynaecological check-up free with medical insurance?

I have basic plus supplemental insurance. However, because of an illness before I moved to Switzerland all gyne conditions are excluded from my supplemental coverage.

One exam every three years is theoretically covered under the basic insurance - but still subject to my franchise, so the 'covered' exam ends up being on my dime anyway. Exams outside routine schedule (even though recommended by my Frauenarzt) are not covered at all; regardless of my franchise, I pick up the tab for the additional exams.

(In all the years I've been here, insurance has never covered the cost of anything. One does start to wonder why we pay such obscenely high premiums... but that's another discussion.)

So to answer the OP's question - check your policy.
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Old 14.02.2011, 23:59
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Re: Is annual gynaecological check-up free with medical insurance?

I am Swiss and can tell you that it is included in your basic health insurance but only paid if the amount exceeds your franchise.
Only costs of examinations with regard to a pregnancy are FULLY PAID without franchise.
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Old 14.02.2011, 23:59
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Re: Is annual gynaecological check-up free with medical insurance?

tanks very much for all your quick reply.

My condition:
insurance company is Swisscare,
and the minimal amount I have to pay yearly is 300 Fr,
the sickness last month costed more than 300, i think.
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Old 16.02.2011, 11:34
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Re: Is annual gynaecological check-up free with medical insurance?

I've done yearly check-ups for the past 10 years with my gyn, and providing I've reached my franchise, I have to pay only 10% of the bill! I changed my insurance twice over the years, and never had any problems to be paid back.

This is for a 'normal' check-up though. If you wish to get a mammography, the conditions are different: you must then check with your insurance.
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Old 16.02.2011, 11:51
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Re: Is annual gynaecological check-up free with medical insurance?

I just got my first bill for the regular check up -- its chf 109 for the Doctor plus some other extra lab fees of 20chf..
waiting to see if the Insurance will cover anything.. but what they explained to me when I signed up is that the basic insurance will pay for 1 regular check up every 2 years and the supplementary will pay for 1 every year (regardless of franchise)
It really comes down to how you negotiate the supplementary with ur insurance I guess - one of my friends negotiated 10 free gyne check ups per year
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Old 16.02.2011, 14:08
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Re: Is annual gynaecological check-up free with medical insurance?

Check your supplementary coverage (if you have a supplement). Mine covers one gynecological exam every three years up to 300.- CHF.

In December, I went in and had my exam. Several weeks later the bill came and I sent it into insurance. Then they sent me a letter stating it had been applied toward my franchise, leaving me with the bill!

I called and asked why because it was supposed to be covered by my supplement, not basic. The insurance representative said that the codes the doctor's office used for billing did not match what they would cover. I called the doctor's office and explained and they sent a new bill which I will send to the insurance today. Hopefully it all works out!

Anyway, when confused, a call to the number on the statement from insurance always seems to do the trick! Especially if you were led to believe it would be covered before hand. I also carry a high franchise, so I keep that chunk in savings so it's available, but I still always call ahead to verify coverages for routine exams and such. Good luck!
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Old 03.12.2015, 13:53
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Re: Is annual gynaecological check-up free with medical insurance?

Quote:
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I have basic plus supplemental insurance. However, because of an illness before I moved to Switzerland all gyne conditions are excluded from my supplemental coverage.

One exam every three years is theoretically covered under the basic insurance - but still subject to my franchise, so the 'covered' exam ends up being on my dime anyway. Exams outside routine schedule (even though recommended by my Frauenarzt) are not covered at all; regardless of my franchise, I pick up the tab for the additional exams.

(In all the years I've been here, insurance has never covered the cost of anything. One does start to wonder why we pay such obscenely high premiums... but that's another discussion.)

So to answer the OP's question - check your policy.
I have basic coverage, and I've had everything paid every year. I even had to go in couple of times for an issue, and again, everything was covered. I've never had my insurance not cover a gynecologist's appointment.
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Old 03.12.2015, 17:20
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Re: Is annual gynaecological check-up free with medical insurance?

It is very expensive here so it is really good to have good health insurance. I only pay 10% of the cost but i also pay a lot per month
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Old 03.12.2015, 18:53
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Is annual gynaecological check-up free with medical insurance?

I have basic and a 300chf franchise. I just got my gyn bill for 2 visits (one for gyn and one for breast ultrasound after mammography). My total for 2 visits was chf 400, half of that was for the breast exam. So in the end, I'll pay 40 out of pocket. My gyn visits are always covered, subject to franchise and 10%.
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