Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #21  
Old 06.08.2015, 11:25
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 537
Groaned at 6 Times in 4 Posts
Thanked 307 Times in 195 Posts
catandmouse has earned some respectcatandmouse has earned some respect
Re: Best Health Insurance Companies?

I switched from CPT/KPT after having been with them for 30 years but having been in legal conflict with them for over 18 months. During the conflict they turned up to be arrogant, treated me with contempt and any questions they couldn't answer or which showed them to be incorrect ended up in a black hole. With my "protection juridique" I finally got what I wanted, but they then upped the premiums by 14% at the end of last year (it wasn't just me, everyone in the canton got the hike) and I decided that there was no way that even the cheapest health insurance could be any worse than they were.
I moved to Assura, saving myself some 70 CHF per month in the process. Really the only complaint I have is that they're slow in reimbursing bills. CPT/KPT used rarely to take more than 2 weeks, whilst Assura seems to spread out reimbursments and they can take up to 6 weeks (apparently, though I haven't checked this, they are legally supposed to take no more 4 weeks).
Reply With Quote
  #22  
Old 07.08.2015, 11:59
Newbie
 
Join Date: Aug 2015
Location: Zurich
Posts: 7
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
JaxGab has no particular reputation at present
Re: Best Health Insurance Companies?

Thank you Duncan that would be great.
I have however contacted Steven, who's details are further up in this forum and meeting with him on Monday.
I am willing and happy to accept all the help I can get at this stage.
Jax
Reply With Quote
  #23  
Old 12.08.2015, 19:59
Newbie 1st class
 
Join Date: Jul 2015
Location: Zug
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 3 Posts
InZug2015 has become a little unpopularInZug2015 has become a little unpopular
Re: Best Health Insurance Companies?

In terms of insurance benefits all basic insurances have the same coverage (by law). Some of the insurance companies might be more annoying to deal with than others. There's ratings on comparis.ch you can use to pick the right one for you. When it comes to the premiums, there's huge differences though. I basically check for my basic insurance every year on comparis.ch which one is the cheapest one and then switch. For the supplemental it is a different story, those are highly individual and the companies also have the right to turn your application down in case they don't want to insure you.
Reply With Quote
  #24  
Old 13.08.2015, 02:33
Newbie 1st class
 
Join Date: Jun 2009
Location: Basel
Posts: 19
Groaned at 0 Times in 0 Posts
Thanked 9 Times in 4 Posts
englishspeaker has no particular reputation at present
Re: Best Health Insurance Companies?

Quote:
View Post
As a newbie, I need health insurance. I know that the basic policies all seem to cover the same things...BUT I am interested in knowing which companies seem to provide good service and that you have had good experience with (communicate well, are organised, don't hassle you over and over, etc.).

A lot of people seem to not like Assura ('you get what you pay for' with 'poor communication and customer service'), but what about the other companies? People seem to really like Swica. Are there any other companies that feature high on the totem pole?

I am really interested in complementary natural medicine as well (whether that may influence your response or not).

Cheers.
Check out Swica...they also provide all information including billing in English.
Reply With Quote
  #25  
Old 13.08.2015, 11:00
Newbie
 
Join Date: Aug 2015
Location: Zurich
Posts: 7
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
JaxGab has no particular reputation at present
Re: Best Health Insurance Companies?

Thanks everyone for the advise.
I met with Steven (details above in chat) and he has sorted out for us - anyone looking for a consultant to assist - I highly recommend him.

Cheers
Jax
Reply With Quote
This user would like to thank JaxGab for this useful post:
  #26  
Old 13.08.2015, 13:00
drkarthiks's Avatar
Senior Member
 
Join Date: Dec 2013
Location: Zurich
Posts: 452
Groaned at 8 Times in 6 Posts
Thanked 311 Times in 184 Posts
drkarthiks is considered knowledgeabledrkarthiks is considered knowledgeabledrkarthiks is considered knowledgeable
Re: Best Health Insurance Companies?

Quote:
View Post
Thanks everyone for the advise.
I met with Steven (details above in chat) and he has sorted out for us - anyone looking for a consultant to assist - I highly recommend him.

Cheers
Jax
Who did you go for, finally? It might help others looking at the same question
Reply With Quote
  #27  
Old 13.08.2015, 15:15
Newbie
 
Join Date: Aug 2015
Location: Zurich
Posts: 7
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
JaxGab has no particular reputation at present
Re: Best Health Insurance Companies?

We went with Helsana - my husband is fluent in Italian so that does help as their correspondence is only in Italian, German or French - FYI
Reply With Quote
This user would like to thank JaxGab for this useful post:
  #28  
Old 20.08.2015, 12:38
Jesamine's Avatar
Junior Member
 
Join Date: Mar 2013
Location: Zurich
Posts: 30
Groaned at 0 Times in 0 Posts
Thanked 11 Times in 11 Posts
Jesamine has made some interesting contributions
Re: Best Health Insurance Companies?

If it is manners you are looking for, call Antonio at CSS. He was awesome: antonio.kass@css.ch

I had to have emergency surgery and I started the process without following protocol. CSS was very forgiving and did not withhold any claims. They will also send you all correspondence in English.

All the best,
Jesamine
Reply With Quote
  #29  
Old 20.08.2015, 12:57
dreyfalex's Avatar
Junior Member
 
Join Date: Nov 2007
Location: basel
Posts: 83
Groaned at 2 Times in 1 Post
Thanked 9 Times in 6 Posts
dreyfalex has no particular reputation at present
Re: Best Health Insurance Companies?

I just happened to be speaking with the billing office of University Spital in Basel. They have quite strong negative opinions of several insurance companies. They don't like dealing with any of the Groupe Mutuel companies. Say they don't like to pay their bills.
Reply With Quote
  #30  
Old 20.08.2015, 16:11
Junior Member
 
Join Date: Mar 2013
Location: Zurich
Posts: 53
Groaned at 1 Time in 1 Post
Thanked 22 Times in 16 Posts
zurichcouple has become a little unpopular
Re: Best Health Insurance Companies?

If you want an English or Dutch Speaker, I always deal with Marcel Kooiman from SWICA - Marcel.kooiman@swica.ch
Reply With Quote
  #31  
Old 20.08.2015, 16:55
Member
 
Join Date: Dec 2012
Location: Horgen
Posts: 100
Groaned at 4 Times in 4 Posts
Thanked 26 Times in 18 Posts
jrabbit is considered a nuisancejrabbit is considered a nuisancejrabbit is considered a nuisance
Re: Best Health Insurance Companies?

I use Concordia, the office in Baar. I'm sure I'm paying more, the communication is excellent and the help.
Reply With Quote
  #32  
Old 20.08.2015, 19:48
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,978
Groaned at 542 Times in 342 Posts
Thanked 10,580 Times in 5,412 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Best Health Insurance Companies?

When choosing health insurance you might want to consider that if you regularly use the same doctor, or practise, then your history will be available to the doctor when considering diagnosis & treatment.

In the larger cities there are group practices with many doctors and specialists, and usually you have 24 hour telephone assistance.

The big attraction for me is that the premiums are much cheaper too. The one "disadvantage" is that the first point of call is the doctor, or practice, you have chosen.

These cheaper policies are labelled HMO or HAM. If you need a specialist consultation or treatment you are transferred to the approved doctor with virtually no delay.

There is another policy called TelMed, where you are committed to calling a number and speaking with a doctor, who then decides which doctor you should visit for your problem. I don't know how your history is recorded, or whether it is spread out over several doctors.

I have been continually insured with Visana for 25 years, (The name was changed once) and I have only the highest praise for them; their normal policy is expensive, but I use their HAM model policy. I use the group practise SanaCare in Bern, which I also praise highly, http://www.sanacare.ch/htm/home.htm

I have looked at the Visana website, and they don't offer an English service.

Reply With Quote
Reply




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
Health insurance companies covering ayurveda treatments SamM Insurance 1 24.07.2013 10:53
Basic and complimentary health insurance in different companies Kutuzov Insurance 2 21.09.2012 16:39
Looking for Health Insurance Companies in Basel turtlemoon7 Insurance 2 24.01.2011 23:50
Health insurance companies who don't have a clue porsch1909 Complaints corner 3 06.07.2010 11:54
can health insurance companies add extras without agreeement? rob1 Insurance 4 06.07.2010 01:11


All times are GMT +2. The time now is 06:14.


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