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Old 12.05.2015, 13:32
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Hospital Cover for Private Room Stay

Hopefully someone can help me with this

Currently am insured with Assura and want to take out extra insurance to cover some upcoming planned treatment as I would like private room for stay rather than shared room.

I have tried to call Assura and have requested a quote via their web form but so far have had no success and still have a couple of questions that perhaps someone can help me with as the material available does not detail this.

1. Taking out complementary hospital cover - are existing conditions covered ? (ie those being treated through the compulsory basic)
2. Is there a qualifying time that you have to pay in before you can have a treatment covered ?
3. Do you have to have the complimentary insurance through the same insurer as the compulsory medical care ?
4. How is it possible to get to speak to someone at Assura (phone calls seemt to get cut off) or can someone recommend a broker who can help me with this ?

Thankyou for any help
Judith
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Old 12.05.2015, 13:36
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Re: Hospital Cover for Private Room Stay

Sorry to say, but nobody will give you private cover for planned treatment.
Insurances like to make money out of low risk- so most pre-existing conditions are not insurable- and certainly not those with an imminent hospital stay.


That is of course for us common mortals. The only people I know who have been accepted for supplementary insurance are those working for very large International Firms with massive contracts with one insurance- and they then close a blind eye to pre-exisiting conditions. A bit unfair, but that it the way it is.

Last edited by Odile; 12.05.2015 at 13:57.
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Old 12.05.2015, 13:49
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Re: Hospital Cover for Private Room Stay

At some hospitals one can pay out of pocket for an accomodation upgrade , that is, a single or double room - but it will only be accommodation, not care, that is upgraded.

Be aware though that even if you pay for an accomodation upgrade it is not guaranteed; if someone with private or semi-private insurance comes along and there are no extra rooms you will be bumped back down to general ward.

As I understand it, at the SZ hospitals one can no longer pay for a care level upgrade, one is only entitled to the level of care your insurance model allows, i.e., basic, semi-private or private.

(Except of course if you have one of the 'flex' supplemental insurance policies that allow this. Which of course must have been purchased well ahead of the event.)

If one only has basic insurance, if one wants to upgrade care level (i.e., the 'best' surgeon for this procedure will only take private patients) one must pay privately for the entire hospital procedure, completely outside the insurance system.

But remember - how rules are interpreted will vary widely. You should speak directly to the hospital you are going to be treated at, should you want to upgrade accommodation.

As for upgrading your insurance policy after diagnosis - Odile is right. Patients who have pre-existing conditions generally are refused supplemental insurance coverage. Speak to your insurance agent about the specifics of your situation.

It bears repeating: The time to purchase supplemental insurance is when you first move to Switzerland, when you are young and healthy. Chances are when you are older or when you have developed a condition you may no longer qualify.
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Old 12.05.2015, 14:04
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Re: Hospital Cover for Private Room Stay

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That is of course for us common mortals. The only people I know who have been accepted for supplementary insurance are those working for very large International Firms with massive contracts with one insurance- and they then close a blind eye to pre-exisiting conditions. A bit unfair, but that it the way it is.
I was accepted for supplementary insurance with a pre existing condition as a private individual applying on my own and not via any massive company contract so it is possible although not common.
I had to get my Belgian doctor to provide them with additional information.

Getting cover for an existing condition with a planned hospitalisation in the bear future will be impossible. The best the OP can do is hope to get a room upgrade and pay for that herself as Meloncollie says.
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Old 12.05.2015, 14:09
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Re: Hospital Cover for Private Room Stay

Of course that depends on age and whether the pre-existing condition is high risk, stable or not, and the cost of treatment. So you were lucky. If you are over 60, or have conditions which are likely to 'go wrong' and be expensive, forget it (as we had to). The Private insurance will make a judgement as to whether they are likely to profit or lose- and decide on that basis, as any other business does.
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Old 12.05.2015, 14:55
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Re: Hospital Cover for Private Room Stay

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Sorry to say, but nobody will give you private cover for planned treatment.
Insurances like to make money out of low risk- so most pre-existing conditions are not insurable- and certainly not those with an imminent hospital stay.


That is of course for us common mortals. The only people I know who have been accepted for supplementary insurance are those working for very large International Firms
with massive contracts with one insurance- and they then close a blind eye to pre-exisiting conditions. A bit unfair, but that it the way it is.
Very true .. When I signed up me and the family with our insurer here they asked - did you previously have private medical cover in the UK? I said yes, but I'd have to make calls to get policy details etc etc .. That's fine they said, no need, you just need to say yes All the complimentary we want with no further questions.
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Old 12.05.2015, 15:01
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Re: Hospital Cover for Private Room Stay

Well, again you were lucky. Most of us common mortals didn't have private insurance in the UK but used Ye Goode Olde NHS

But lets hope it does not one day bite on on the *ss- insurances are very good at getting customers to pay high(er) premiums- but will often try and wriggle out later. Should you ever have a serious health issue which could be clearly spotted as an old injury, etc- they might then try to get out of it.

Hopefully neither the injury/illness nor the above scenario will apply- but I have to say I've seen this happen often in the UK- with private insurances later requesting notes and saying 'nope'.
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Old 12.05.2015, 15:15
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Re: Hospital Cover for Private Room Stay

Quote:
View Post
Hopefully someone can help me with this

Currently am insured with Assura and want to take out extra insurance to cover some upcoming planned treatment as I would like private room for stay rather than shared room.

I have tried to call Assura and have requested a quote via their web form but so far have had no success and still have a couple of questions that perhaps someone can help me with as the material available does not detail this.

1. Taking out complementary hospital cover - are existing conditions covered ? (ie those being treated through the compulsory basic)
2. Is there a qualifying time that you have to pay in before you can have a treatment covered ?
3. Do you have to have the complimentary insurance through the same insurer as the compulsory medical care ?
4. How is it possible to get to speak to someone at Assura (phone calls seemt to get cut off) or can someone recommend a broker who can help me with this ?

Thankyou for any help
Judith
Regarding point 3: would not recommend splitting basic and supplementary over different companies, it can turn into a paperwork nightmare.

For first class information on Assura speak with Jenny who is a member here, but if you PM me I can give you her direct number. she has arranged cover via Assura for several members of EF.
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