Go Back   English Forum Switzerland > Help & tips > Family matters/health
Reply
 
Thread Tools Display Modes
  #21  
Old 04.09.2013, 23:41
Jnk Jnk is offline
Newbie 1st class
 
Join Date: Mar 2011
Location: India
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 48 Times in 4 Posts
Jnk is considered knowledgeableJnk is considered knowledgeableJnk is considered knowledgeable
Re: Health Insurance and Pre-existing conditions?

I had the same doubts when I moved in to Switzerland 5 years ago as I was having Chronic Kidney Disease (CKD) and thankfully after taking the basic insurance, nobody ever questions any of the treatment invoices of mine whether it was expensive medicines, dialysis or transplant and of course the post transplant medicines.

This is a sheer beauty of Switzerland that the social structure give you so much of peace collectively!
Reply With Quote
  #22  
Old 19.10.2015, 13:10
Newbie
 
Join Date: Oct 2015
Location: Lausanne
Posts: 2
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
AlexandraSwitzerland has no particular reputation at present
Re: Health Insurance and Pre-existing conditions?

Hi, I'm in a similar situation. My mother has PKD (and Lupus for that matter). I'm established in Lausanne and I'd like to bring her here with me. Any idea what insurance would cover her pre-existing conditions ? Also, if you know of any specialists, as I understand you needed treatment for you kidney problems already and were happy with it. She needs a top nephrologist to handle her special case of two conditions affecting the kidneys. Is dialysis at least covered for foreigners? Thanks!
Reply With Quote
  #23  
Old 19.10.2015, 13:36
Forum Legend
 
Join Date: Sep 2006
Location: SZ
Posts: 7,617
Groaned at 18 Times in 17 Posts
Thanked 15,926 Times in 5,233 Posts
meloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond repute
Re: Health Insurance and Pre-existing conditions?

It is most likely that she will only qualify for basic insurance; it is difficult to get supplementary insurance if one has pre-exisiting conditions, especially serious conditions likely to need ongoing treatment.

BTW, another supplementary insurance barrier is the simple 'condition' of being older.

A few EF posters have reported being able to get supplementary insurance despite having pre-existing conditions, although judging by posts on the subject the majority seem have found that they were excluded. You could contact EF member 'Jenny', an insurance advisor, for her advice.

Basic insurance will cover treatment needed for your mother's conditions, both ambulatory and hospitalization in a general ward.

I have found that basic insurance has been fine for ambulatory care. But my experience - and please note that this is only my experience - was that it was inadequate for surgery/aftercare at the local hospital. But again, other posters have reported that the care they received with basic hospitalization has been good. Going by posts on EF, it would seem that much depends on where you live.

Worst case, if your mother needed hospitalization and you were not happy with the care afforded to basic insurance patients, prior to admission you could ask if it is possible to pay a supplement to upgrade care for this one event, or even to pay the whole thing privately.
Reply With Quote
  #24  
Old 19.10.2015, 14:15
edot's Avatar
Forum Legend
 
Join Date: Sep 2007
Location: Winterthur
Posts: 4,861
Groaned at 21 Times in 20 Posts
Thanked 6,205 Times in 2,801 Posts
edot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond repute
Health Insurance and Pre-existing conditions?

Something that can help in many cases - if you can go to the largest hospital you can find - a kantonalspital, or a unispital - a comprehensive spital, then you will get good care with basic insurance. When you choose your specialist, you need to ask about where the specialist practices and see if you have access to all the services. Stuff like dialysis, chemo, radiation, physio is generally ok (i know you don't need all of this, it's an example).

For any non - emergent surgery, or hospital admission, it really pays to do a bit of research, and most doctors, if they're reasonable, should welcome a frank discussion of your options.

I'm going through this right now as I figure out the best place to have my knee replacements next year (maybe).
__________________
"Pictures of perfection, as you know, make me sick and wicked" ---- Jane Austen
Reply With Quote
This user would like to thank edot for this useful post:
  #25  
Old 19.10.2015, 16:23
Newbie 1st class
 
Join Date: Feb 2014
Location: Zurich
Posts: 27
Groaned at 3 Times in 3 Posts
Thanked 0 Times in 0 Posts
nice.32 has no particular reputation at present
Re: Health Insurance and Pre-existing conditions?

I think pre-existing conditions should only be a problem, if you are taking out supplementary insurance. In this case you might be required to declare it.
Mostly, the basic insurance covers everything so need to worry except maybe dental.
Reply With Quote
  #26  
Old 19.10.2015, 16:38
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Re: Health Insurance and Pre-existing conditions?

Quote:
View Post
I think pre-existing conditions should only be a problem, if you are taking out supplementary insurance. In this case you might be required to declare it.
Mostly, the basic insurance covers everything so need to worry except maybe dental.
As laid out in this post, the corresponding thread and many others, you can be denied coverage for supplementary for any reason and insurance can demand money back if you don't declare illnesses.
For basic, they have to accept you no matter what since it is mandatory to take out if you are a CH resident.
Reply With Quote
Reply

Tags
medical insurance




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Pre-existing conditions? alanmack Insurance 8 12.05.2008 17:07
Existing medical conditions lucyperez Insurance 1 16.12.2007 16:02
Pre-existing condition [from Sicko] senseiwa Insurance 4 16.09.2007 16:39
Pre Permit time Health Insurance barish Insurance 4 31.01.2007 18:08
Take over existing insurance? evianers Insurance 1 09.01.2007 23:34


All times are GMT +2. The time now is 11:57.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0