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Old 13.10.2015, 16:02
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Cost of seeing a specialist

Hello there,

as the time for health insurance renewals is coming up, I'd like to ask if anyone knows the cost for visiting specialists doctors? In my case particular for dermatology. (do different specialist fields differ also in price?)

This would obviously impact the franchise chosen.
Choosing the lowest franchise would cost 800CHF less a year than going with the highest franchise. However, for me to make this gain, i would have to actually spend the whole 2500CHF franchise. If it's not going to cost so much, then it's not worth me trying to reclaim the costs on a lower franchise if I'm still paying a lot with the monthly premiums anyway.

Thanks
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Old 13.10.2015, 16:08
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Re: Cost of seeing a specialist

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Hello there,

as the time for health insurance renewals is coming up, I'd like to ask if anyone knows the cost for visiting specialists doctors? In my case particular for dermatology. (do different specialist fields differ also in price?)
I don't think there'd be that much variation, but clearly a longer appointment, or something needing tests and/needing specific equipment might be priced higher.

For a normal first consultation you might expect it to be in the region of 50-100 francs, unless any of the above apply.

(I'm assuming 10-15 minutes, or something in that order, based on my previous experiences).

When we looked at changing our franchise recently we discovered that for a 1000chf reduction the annual premiums increased by around 850ch, so we'd be out of pocket unless we crossed the franchise amount four years out of every five.
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Old 13.10.2015, 18:41
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Re: Cost of seeing a specialist

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When we looked at changing our franchise recently we discovered that for a 1000chf reduction the annual premiums increased by around 850ch, so we'd be out of pocket unless we crossed the franchise amount four years out of every five.
By quite a way too; you'd start paying the 10% at a lower level, so you'd pay 100 by the time you got to your current level (it tops out at 700 in both cases, but means that you'd need to be 7000 above your current excess for that to happen), so in effect you'd pay an extra 950.
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Old 14.10.2015, 08:53
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Re: Cost of seeing a specialist

Thanks for the replies. Obviously my example is extreme and my "break even" point would be if I spent 1700 on the 2500CHF franchise before savings are realised with the 300CHF franchise plan.

I'm just trying to gauge the cost of the specialists and tests after being referred to one by the doctor.
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Old 14.10.2015, 10:08
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Re: Cost of seeing a specialist

I think you'll find it more than this, more like couple Chf 100.-- saving.

Basically if you're healthy go for max franchise, it works out a lot cheaper if you do not use it and only slightly more expensive if you do use up full franchise.
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