Hello
After moving from fribourg to canton Vaud I want to change my insurance. Have only a few days to do so. Looking for a basic one, since my company now, Avanex won't let us terminate the complamentaire ( ok we were a bit late to let them know but still not sure how does this work to have 2 inssurances..only in Suisse...)

The cheapest offers are of Assura and Supra. Does anyone know anything about them? Any very recommended other companies for Vaud?

Lost again in Suisse...any help will be great!

naama

Hi Naama,

There is a couple things you need to know, Assura and Supra are good health insurances, and cheap. But here are some lacks for women as for giving birth and all the tests before that. I would recomend Groupe Mutuel they are not too much more expensive if you would like to give birth in the next couple years, otherwise go for Assura.

Assura is OK, but - you have to pay all the bills first and after they return you money.

That's not quite true....

Assura exclude maternity in their supplementary insurance which is why you'll find that the supplementary premiums for men and women of the same age are the same.

Supra DO cover maternity in certain of their supplementary packages, it depends which ones.

This is true of pharmacies.

Again, just to clarify how Assura and Supra work....

They use the "3rd party guarantee system" with regards to pharmacy bills for prescription medication.

What this means is, that you have to pay for your medication upfront, keep the receipt and then send the receipts along with any other medical bills you might have (e.g. doctors) to them once you've reached your deductible.

Fyi, they are not the only companies that work in this way but they are the ones that have been doing this for a long time.

By using this system, they keep their administrative costs down and this is reflected in the premiums for the basic insurance which (especially in VD) remain low year after year.

For adults, for 2012, Assura have the lowest premiums without any alternative method of insurance in our canton and Supra have the lowest premiums for the GP method.

Hope this helps