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  #21  
Old 20.01.2013, 21:06
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Re: Health Insurance- Cancer

Doctors here seem very willing to pick up the phone and call each other (we had the family doctor, rehab doctor and surgeon conferring). I'd suggest you get a report from your current oncologist, take it to one in CH and ask if s/he can continue the same treatment. Then ask him/her to contact your US doctor if there are questions.

Of course the CH doc might recommend something different... try and bring an open mind (it might be as simple as the drug being called something different)...but of course, you need to be confident in the treatment you receive.

Enjoy the look-see trip
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  #22  
Old 21.01.2013, 14:18
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Re: Health Insurance- Cancer

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Or if the cantonal rate is lower than your home canton rate.

So is TARMED the same for all outpatient procedures as well, e.g, scans, imaging, outpatient treatment?
Yes, TARMED is the same for almost all outpatient procedures.
http://www.tarmedsuisse.ch/78.html
http://www.praxishilfe.ch/seiten/tpw_tarmed.html

Right, as long as the rate for in-patients is lower than your home canton rate.
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  #23  
Old 26.11.2013, 14:31
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Re: Health Insurance- Cancer

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Medical issues can be a deal breaker for expats. In many cases, the transferee does not want the employer to know about a medical condition, and therefore asking HR to source the information for you is impossible.

My advice is to find out if the employer in Switzerland has any agreements with a particular insurance company, as it may be easier to approach them. If not, then contact several insurance companies directly, and obtain the information first hand, and in writing.

You cannot be refused insurance here, but there can be coverage restrictions particularly with medications and pre-existing conditions.

I hope you find a good solution and wishing you continued good health.
In an EU country out of Switzerland I rant into the pre-existing condition issue. All insurance companies refused me. In the end, I got in touch with a good insurance broker, put all of my cards on the table and he managed to found a solid health insurance provider which did NOT require any medical tests. I then had to "forget" to mention my prior condition on the application and by doing so was able to get insurance. Was a huge relief for me. The broker didn't advise me to do this but made it clear it was my only option to get insurance and he would turn a blind eye (obviously, he makes money as a broker anyway). If I'd not done this, I'd still be uninsured. Fortunately I did not have any health issues in the end but the insurance was a big stress relief.
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  #24  
Old 15.08.2016, 13:33
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health insurance for cancer patient

hello,
me and my partner are thinking of moving to Switzerland in about a year. i have a swiss citizenship. iv never lived in Switzerland so i dont know how the insurance companies in Switzerland work.
The problem is, she is a cancer patient. we also know that there are countries that a cancer patient wont be able to be admitted to there insurance plan because they know that her condition costs 100k$ a year. i am trying to understand weather the insurance companies in Switzerland would cover her, and how i can make sure that her treatment is covered by the insurance companies.
thanks alot.
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  #25  
Old 15.08.2016, 13:36
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Re: health insurance for cancer patient

Treatment is covered under the basic insurance. If you require more than "regular" treatment, it may get difficult.

Maybe there will be some people later on here who have more expertise.
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  #26  
Old 15.08.2016, 13:42
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Re: health insurance for cancer patient

There's a whole raft of threads about this if you do a search https://cse.google.com/cse?sitesearc...nce&gsc.page=1

Including this one Health Insurance- Cancer (which I'll move your post into ) which i think contains the most relevant and recent information.

The answer is the same, though: yes, health insurers are obliged to cover pre-existing conditions.

Some people like to take out a supplemental policy and this may not be available or may exclude pre-existing conditions, but it's not actually needed, as the basic cover is very good, even if you go for the cheaper ones like Assura that use an HMO model. Supplemental plans are only needed to cover things like private rooms, more 'alternative' treatments, greater choice of doctors etc. etc.
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Last edited by Ace1; 15.08.2016 at 13:54.
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  #27  
Old 15.08.2016, 13:52
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Re: health insurance for cancer patient

If you choose one of the many mandatory basic insurance do not choose simple the cheapest option (and as said they must take you, and the cover is for all the same).

In your case you really want an insurance which uses the tiers garant and not the tiers payant billing system. In the first system the pharmacy get its money directly from the insurance, in the later system you have to pay first and then reclaim from the insurance.

Tiers garant are: Assura, Atupri (in certain cases), Supra, Sanagate, Sanitas Compact One and Intras.
http://www.frc.ch/articles/tiers-gar...-tiers-payant/

Edited: The list had the wrong title.
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Last edited by aSwissInTheUS; 15.08.2016 at 16:32.
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  #28  
Old 15.08.2016, 13:53
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Re: health insurance for cancer patient

FAQ on Swiss health insurance here

http://www.bag.admin.ch/themen/krank...x.html?lang=en

but basically as roegner says the insurance company would have to accept her for the Swiss mandatory cover. What you won't get is any supplemental cover. Use https://en.comparis.ch/ to get an idea of costs, but probably going to be around 300 francs a month.

Are you sure this is a good idea though? You may have Swiss citizenship, but you don't speak a Swiss language so how do you expect to find work here? And is your partner "official" as in a registered partnership/marriage? Otherwise you/she may find it difficult to get her here as you won't necessarily been seen as a couple. What is she going to do all day while you're at work, assuming you can get a job and she's not fit enough to work? If she needs day to day help this is the sort of thing that won't be covered by the basic insurance so you'll have those costs to pay for yourself which could run into thousands a month.
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  #29  
Old 15.08.2016, 15:27
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Re: Health Insurance- Cancer

I think there are multiple issues you need to think about/address:
i) Your partner isn't Swiss. If you're married she can come based on what's called Familiennachzug, otherwise she'll need a residence permit which is probably (very) difficult to get. As the Swiss in your marriage you'll need to prove that you can finance both your living here with your wealth and/or income - others on here know much more on the subject than I do.
ii) Halth coverage if you come. In general it should be covered but best is probably to ask BAG (bag.admin.ch) directly just to be sure, there are some rare exceptions. Perhaps also ask about foreseeable changes affecting you.
iii) What happens if you're unhappy here? Yes it happens so perhaps you want to have the return-option open for a couple of years. She seems to be insured in Israel, if doable/necessary it may be useful to freeze her health insurance.
iv) What happens if you come here married, but divorce in a few years time? As your (then former) dependent she'll probably have to leave Switzerland. See previous point.

Last but far from least:
Language. Life will be quite lonely for either of you who doesn't speak the local language
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  #30  
Old 15.08.2016, 16:11
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Re: health insurance for cancer patient

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hello,
me and my partner are thinking of moving to Switzerland in about a year. i have a swiss citizenship. iv never lived in Switzerland so i dont know how the insurance companies in Switzerland work.
The problem is, she is a cancer patient. we also know that there are countries that a cancer patient wont be able to be admitted to there insurance plan because they know that her condition costs 100k$ a year. i am trying to understand weather the insurance companies in Switzerland would cover her, and how i can make sure that her treatment is covered by the insurance companies.
thanks alot.
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Hi, welcome to the forum.

You will definitely be covered for oncological treatment in basic insurance. What you probably won't get into is supplementary insurance (meaning free choice of doctors, fancy hospital rooms, private hospitals) because you have a preexisting condition. But your treatment is covered, health insurance in CH is mandatory and therefore everyone has to take it out.

To select the best insurance company cost-wise, I suggest comparis. They have a glossary which is very informative.

For further info on health insurance, check out this thread: Health insurance for my wife? how does it work (especially post #7) as well as this thread Health Insurance- Cancer

As for the process of signing up for health insurance, the procedure is outlined here on comparis but I'd recommend you contact your insurance company of choice even before moving here and get the documents mailed to your current address or a very trusted friend's in Switzerland. Then bring them along to your commune when you arrive in Switzerland, as AFAIK you will have to show proof of having health insurance when signing up in a new commune/moving.
Beware that if you don't inform your commune of your chosen insurance company, you'll be signed up with one by the commune.
Got Insurance, Now who do i tell

To be on the safe side regarding immediate hassle-free accessibility of treatment, ask your insurance company of choice if they'll let you pay the first month's premium immediately. That way you should be covered and have access to all healthcare, not only emergency, from the moment you set foot in CH and establish residency at the commune.

I'd inquire with your current doctor if he/she can recommend a colleague in Zürich (especially important as you've just come out of surgery), contact said colleague, mention that you've already signed up with health insurance/are in the process of doing so and ask if you can come in for a first meeting/checkup in the first days of your arrival.
Have your current doc send your medical records to the new doc.
This way, you'd not run into the hassle of having to go to the ER (University hospital Zürich, in case you need it, would be the place to go), you'd be able to get to know your new doc right away (don't forget to bring your European Health Insurance Card (EHIC) - which will be supplied to you by your health insurance company - to the first appointment!) and he'd have your medical information.


A word of advice: As you're probably at high risk of repeated medical treatment and in Switzerland we're required to pay premiums (monthly amounts due), deductible (a yearly maximum between CHF 300 and CHF 2500) as well as a retention fee of 10% of bills, up to a maximum of CHF 700 per year, I would recommend choosing the lowest franchise (CHF 300). That way, you will have higher premiums but will end up with lower medical expenses than with a high franchise. With the CHF 300 deductible, you have to pay CHF 1000 out of pocket if you incur the costs plus the premiums irrespective of how your state of health is, whereas with a CHF 2500 deductible you'd have to pay CHF 3200 out of pocket if you incur the costs plus the premiums irrespective of how your state of health is - quite a difference, which can be especially hard to deal with if you're hit with a bill for the whole deductible at once because of, say, surgery.

Also - with your medical history, I'd strongly recommend having your health insurance card on you at all times, in case you need to go see a doctor, head to a hospital or go to a pharmacy to get meds. It makes things way less stressful and facilitates many, many things.

Last but not least I'd recommend signing up with the REGA (Swiss Air Rescue) - they can fly you to Switzerland in case of an emergency, for a small yearly fee (CHF 30 for a single person IIRC).


Hope that helps. Best of luck.


From this thread: Does basic insurance cover oncology?
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