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Old 08.01.2015, 15:22
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Are you allowed to have two Hausarzt/GPs?

Quick question, are you allowed to have two separate Hausarzt in two locations? Reason I ask is that I'm currently looking for a new one following a move. I would like to have one at home in case I'm really sick and one close to the work place for when I just require a quick appointment or check up. Is this allowed here? I don't need to build up a relationship with my doctor so would be perfectly happy seeing someone different every time.
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Old 08.01.2015, 15:35
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Re: Are you allowed to have two Hausarzt/GPs?

Find in Switzerland (as compared to UK where you have to be registered with one GP)- unless you have health insurance with the GP first option.

Personally, although in your case it makes sense due to work/live location being separate- I think doing the rounds with many doctors is not safe and also expensive for insurance, as tests maybe repeated (not safe for instance to have repeated x-rays) and also medication given by one then another may clash. Not your case, I understand- but where I live I know a few people who do the rounds, going from doctor to doctor until they hear what they want to hear, and are given the medication or off-work certificate they want- not good medicine generally speaking.
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Old 08.01.2015, 15:40
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Re: Are you allowed to have two Hausarzt/GPs?

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Find in Switzerland (as compared to UK where you have to be registered with one GP)- unless you have health insurance with the GP first option.

Personally, although in your case it makes sense due to work/live location being separate- I think doing the rounds with many doctors is not safe and also expensive for insurance, as tests maybe repeated (not safe for instance to have repeated x-rays) and also medication given by one then another may clash. Not your case, I understand- but where I live I know a few people who do the rounds, going from doctor to doctor until they hear what they want to hear, and are given the medication or off-work certificate they want- not good medicine generally speaking.
"Frequent Flyers" is what I believe they're called in medical circles. But no, I'm not that kind of person it's purely for convenience alone. I've got a good health insurance so I don't think that should be a problem. Thanks!
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Old 13.01.2015, 21:40
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Re: Are you allowed to have two Hausarzt/GPs?

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"Frequent Flyers" is what I believe they're called in medical circles. But no, I'm not that kind of person it's purely for convenience alone. I've got a good health insurance so I don't think that should be a problem. Thanks!
If you have an health insurance with free choice of practicer you can. If general practitioner model you cannot.
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Old 13.01.2015, 21:53
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Re: Are you allowed to have two Hausarzt/GPs?

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Quick question, are you allowed to have two separate Hausarzt in two locations? Reason I ask is that I'm currently looking for a new one following a move. I would like to have one at home in case I'm really sick and one close to the work place for when I just require a quick appointment or check up. Is this allowed here? I don't need to build up a relationship with my doctor so would be perfectly happy seeing someone different every time.
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If you have an health insurance with free choice of practicer you can. If general practitioner model you cannot.
You can have as many as you like, especially if you have a large franchise as you just pay yourself, you don't need to worry about what the insurance says either.
Obviously if your taking any medication you should say & always insist on keeping any test results or X rays yourself. They belong to you so no reason for the Dr to keep them. Once I received a bill from the lab without any test results, I told the lab I would only pay once I had the results.... 24 hours later I had the results .
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Old 13.01.2015, 22:18
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Re: Are you allowed to have two Hausarzt/GPs?

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You can have as many as you like, especially if you have a large franchise as you just pay yourself, you don't need to worry about what the insurance says either.
Obviously if your taking any medication you should say & always insist on keeping any test results or X rays yourself. They belong to you so no reason for the Dr to keep them. Once I received a bill from the lab without any test results, I told the lab I would only pay once I had the results.... 24 hours later I had the results .
If two doctors one of them (the doctor who will not be your GP) would be not covered by the insurance. Wich is not good.
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Old 13.01.2015, 22:31
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Re: Are you allowed to have two Hausarzt/GPs?

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If two doctors one of them (the doctor who will not be your GP) would be not covered by the insurance. Wich is not good.
I lived in CH for 20 years, not once did the insurance pay anything for any of my medical care, which is not good. My premiums were approximately 5 times the cost of all my medical expenses. I could have paid a substantially higher premium & had some money back..... not a good idea, insurance rarely is good value. I have had an operation in France as well again a better use of my money.

I have only ever had 3rd party insurance for cars & motorbikes over the last 36 years, I am up over 50,000 on the deal to date, then I was driving a Porsche 911 from age 21.
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Old 14.01.2015, 11:09
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Re: Are you allowed to have two Hausarzt/GPs?

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I lived in CH for 20 years, not once did the insurance pay anything for any of my medical care, which is not good. My premiums were approximately 5 times the cost of all my medical expenses. I could have paid a substantially higher premium & had some money back..... not a good idea, insurance rarely is good value. I have had an operation in France as well again a better use of my money.

I have only ever had 3rd party insurance for cars & motorbikes over the last 36 years, I am up over 50,000 on the deal to date, then I was driving a Porsche 911 from age 21.
Mine pays for alternative medicine (acupuncture etc...), a good portion of the yearly fee for fitness centers and other various preventative measures (e.g. checkups, vaccines). Mind you it's still a net cost, but in any case I don't think your advice is good (to potential laypeople) without a big caveat and I think you should tone it down a bit.

You are retired with (judging from your past posts) a fair amount of assets in cash and liquid instruments. Your tolerance for unexpected expenses is much higher than someone who doesn't yet have tons of savings and needs to stay in good health to make a living. Saying that you never needed your insurance is simple survivorship bias. In hindsight, of course it is easy to say that it didn't pay off. You can take a calculated risk, but it is much harder to judge the payoff ex-ante than ex-post.

You don't buy insurance to make a net gain over long term. Allow me to repeat that differently: insurance is not an investment strategy for growing assets (on its own at least). Normal insurances are structured such that the insurance company makes money 95% of the time. It is the 5% edge of the probability distribution that you hedge. The tail events. Black swans. Where you are run over by a truck and need specialized surgery and rehabilitation for 5 years. The costs can easily run into $ millions.

You buy insurance to hedge yourself against potentially devastating events. You may complain to hell and back that your health insurance was a net cost, but imagine a long term complicated (and potentially debilitating) disease like cancer with protracted chemo, operations, rehabilitation etc. Without health insurance, the costs could either prohibit you from getting treatment, or you could find yourself in so much debt that it would take a very long time (if ever) to get out of it. One has to be seriously rich to pay for years of cancer treatment out of pocket.

If you are rich and have enough capital to just pay for treatment, more power to you. For everyone else, you take out the insurance. Not to cover small and run of the mill medical treatment, but to make sure you are not ruined by trying to save your life.
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Old 14.01.2015, 11:18
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Re: Are you allowed to have two Hausarzt/GPs?

Where I do agree with fatty is car insurance, where, assuming you are driving a car you can afford to repair (and lose in the worst case accident), there's no reason to pay for expensive full coverage.

If you are vitally dependent on your car and losing it would ruin you, the matter is different again.
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Old 14.01.2015, 11:50
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Re: Are you allowed to have two Hausarzt/GPs?

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...
If you are vitally dependent on your car and losing it would ruin you, the matter is different again.
Even then, if the value of the car is low, you may well find you get the write-off value, not the repair value.
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Old 14.01.2015, 20:51
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Re: Are you allowed to have two Hausarzt/GPs?

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Mine pays for alternative medicine (acupuncture etc...), a good portion of the yearly fee for fitness centers and other various preventative measures (e.g. checkups, vaccines). Mind you it's still a net cost, but in any case I don't think your advice is good (to potential laypeople) without a big caveat and I think you should tone it down a bit.

You are retired with (judging from your past posts) a fair amount of assets in cash and liquid instruments. Your tolerance for unexpected expenses is much higher than someone who doesn't yet have tons of savings and needs to stay in good health to make a living. Saying that you never needed your insurance is simple survivorship bias. In hindsight, of course it is easy to say that it didn't pay off. You can take a calculated risk, but it is much harder to judge the payoff ex-ante than ex-post.

You don't buy insurance to make a net gain over long term. Allow me to repeat that differently: insurance is not an investment strategy for growing assets (on its own at least). Normal insurances are structured such that the insurance company makes money 95% of the time. It is the 5% edge of the probability distribution that you hedge. The tail events. Black swans. Where you are run over by a truck and need specialized surgery and rehabilitation for 5 years. The costs can easily run into $ millions.

You buy insurance to hedge yourself against potentially devastating events. You may complain to hell and back that your health insurance was a net cost, but imagine a long term complicated (and potentially debilitating) disease like cancer with protracted chemo, operations, rehabilitation etc. Without health insurance, the costs could either prohibit you from getting treatment, or you could find yourself in so much debt that it would take a very long time (if ever) to get out of it. One has to be seriously rich to pay for years of cancer treatment out of pocket.

If you are rich and have enough capital to just pay for treatment, more power to you. For everyone else, you take out the insurance. Not to cover small and run of the mill medical treatment, but to make sure you are not ruined by trying to save your life.
I only ever insure by choice against catastrophic loss. As most people try to cheat with insurance & car repairs are more expensive if the insurance is paying, it's clear that buying insurance is likely to be a poor deal on average.
I have assets because I am not risk averse & will speculate. I was laughed at here 18 months ago saying I would invest 90% of my assets in Apple stock, it's doubled since then, however informed opinion was the price would fall.
If your happy working till your 65 that's great & it's what most people do as they can't handle risk.
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Old 14.01.2015, 21:40
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Re: Are you allowed to have two Hausarzt/GPs?

Some people have dependents and cannot take the kind or risk you may well have been prepared/able to take. Some people with dependents have long-term health issues that seriously curtailed their choices, etc.

It worked for you- great. Constantly rubbing it in could get a bit annyoing for some who are working their guts out taking care of their families.

When our house needed underpinning some years back when both girls were at Uni and my husband ill- we were mightily relieved the insurance picked up the £30.000+ bill. So were are about even- but had we had to pay in one go, we would have struggled and more.
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Old 14.01.2015, 21:59
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Re: Are you allowed to have two Hausarzt/GPs?

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Some people have dependents and cannot take the kind or risk you may well have been prepared/able to take. Some people with dependents have long-term health issues that seriously curtailed their choices, etc.

It worked for you- great. Constantly rubbing it in could get a bit annyoing for some who are working their guts out taking care of their families.

When our house needed underpinning some years back when both girls were at Uni and my husband ill- we were mightily relieved the insurance picked up the £30.000+ bill. So were are about even- but had we had to pay in one go, we would have struggled and more.
You lived in the UK most of your adult life & had free health from the NHS, your health insurance in Switzerland is paid for by the UK government so why the attitude, your not paying anything at all?

I think I would consider building insurance catastrophic for most people so I really don't get your point.
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