Hi everyone,

As you can imagine, the last few weeks have been mad busy for those of us who work in the wonderful world of health insurance in Switzerland!

I have managed to, finally, get back to everyone who wrote to me with questions etc.

However, I may - and I'm really sorry - have forgotten you!

If you wrote to me with a specific question or asking for an offer etc. and you haven't received a reply from me, then please write again.

My deepest apologies if this concerns you directly! I'll take a smack on the wrist and promise it shan't happen again!

For those of you who have asked for my help and who I have replied to, I hope you found it all interesting and worthwhile and thank you for your confidence

For those of you wondering if it's worth getting in touch or not.... I'm just here to try and get a decent deal for people. We all have to pay insurance over here and we all think we pay far too much, so it's always worth looking at it just in case!

Also, don't remember you only have until the end of November to leave your old company!!!

See you soon!

Jenny

I just wanted to say THANKS to you.

this lady is amazing.

ah, shucks... you're making me blush now

I'll second that, highly recommended!

Jenny,
I am looking for a temporary 3 month medical insurance for a cousin visiting Switzerland from Nepal. Any suggestions.

Hey! I have a question for you or anyone else with knowledge about this issue.

I have an L permit and am working 80 percent. In some places it states that the employer has to pay the health insurance for holders of an L permit. Is that the case? And if so, can they take it out of my pay?

Thanks!

Hi! I AM GLAD I found this thread! Ok, so here is the deal, just moved here, this is my second month and need insurance RAPIDO! (fast!) my wife is 23 Im 25 (26 In nov) want the cheapest, best possible, insurance.
Any thoughts on this will be greatly appreciated!

I think you should get some insurance.

dave

Hi jenny

this is my first time on the site and not sure what you require to get us a quote on insurance, we desparetly need your help as this is difficult with the language barrier.

Look forward to hearing from you soon

Just want to also say that Jenny is great!

I suggest you send a PM or e-mail to Jenny.

Hi Jenny,

The word is that you are the woman to talk to. I havemoved to Bern from Scotland, I have healthcare with Swisscare (very cheap) but i also feel like i need dental insurance. I have had a bit of work done in the Uk, so i fear that an insurance company will not accept me.

Best

C

I would suggest sending her a PM.

Hi Jenny

I will be moving soon to Luasanne from Canada, and would like to ask about denta costs and insurance in Swiss.

I have started a root canal job in Canada but only have teh crown left. I am wondering if I shoud finish it of before leaving or shall wait to be in Lausanne. My company is offering a dental plan with a premium that would costs me around 30 Francs a month where I think root canal is covered at 80% but only after 6 months of enrollement. But since I started the work am not sure if I am eligible to claim the insurance discount!

Please advice if it is better to pay the 1050CAD left to complete the root canal in Canada.

Another point, I read somewhere that I can get a reasonable dental coverage at 15 Francs a month only! I woud like to learn more about this before I sign with my employer plan.

Thanks a lot Jenny for your quick reply

Cheers
7anan

Hi 7anan,

I have replied to your pm but thought I'd post on here too as it may help other people.

This would be regarded as a pre-existing condition by the Swiss health insurance companies and is therefore unlikely to be covered.

Before signing any contract, you should make sure you know what's what.
Your employer can get you dental cover for 30.- / month. Do you know what this covers? What percentage etc.?
For example, if it's only covering you 50% of bills, is it really worth it?
(I'm not saying that's what it will be but you need to make sure first)

One last point on dental insurance is that, once you've applied for it, the insurance company will send you a questionnaire that will need to be filled out by a Swiss dentist. The insurance company will then base their decision on whether you're accepted or not on what the dentist says.

Some companies will reimburse you part or all of this initial consultation if you're accepted by them.

Hope this helps

I have recently signed a contract, and am in process of getting my B permit....so many things to learn about this move.

What sort of conditions would keep someone from getting coverage? One of my daughters has braces, and needs an implant whetre she has a "peg" tooth. I expect to have to pay for her braces, and the pre-existing conditions, but would those be enough to keep her from getting dental insurance?

Thanks.

I subscribed to nearly the lowest assurance available (with Assura), and I contacted Jenny.

We knew I would not have cheaper price as she can negotiate bargains for complementary and everything expensive.

So she would make little profits as insurance brooker, and I will have a quick contact (no discount for me, but I knew it !)


She did assist me to my many questions (after reading comparis, etc... the Assura forms were still not clear).

And she registered for me!

I was worried because It's on a public forum, etc... and I haven't heard from Assura a month after.

But it happens they screwed up (assura) and did whatever and forgot about me (still taking payments aha).


Everything sorted now and Jenny was very helpful and reliable

Highly recommanded!

Hi Jenny

Hope you can advise us about health insurance.

My wife and I (both retirees/pensioners) just got B Bewilligung for residence in our flat in Flims (GR). We will be making regular trips back to France where we still have a cottage and visiting family and friends in UK and Holland as well - altogether perhaps away from Switzerland 4-5 months per year. I am Australian, so need to pay Grundversicherung: my wife is Dutch so will have form S1 cover (old E121) for hers.

Any advice for the best/cheapest health insurance for me (us) which will also cover us securely for illness sustained in other countries above - or does the Swiss Eurocard equivalent do this in any case (some insurers seem to want to charge extra for this!).

Not that well off, so I think that we would be very happy with the cheapest (eg Hausarzt) insurance. Look forward to your comments.

Peter

Hi Jenny,

My husband and I have taken our Health insurance from Xundheit which is partly sponsored by the Employer. Now, I have a requirement for a root canal treatment. I understand that Xundheit's health insurance does not cover dental treatment unless it is caused by accident or sickness. I dont know what sickness means. But they have clearly mentioned that dental treatments for my case is not covered. The treatment for a tooth is very expensive. I would like to know whether it is anything possible with the existing insurer or can i take a new insurance. Kindly clarify. Thanks.

Just in case Jenny's busy or on holiday; I know root canal can be urgent.

It's almost certainly not good news. As you've discovered, dental isn't included with the normal basic insurance. And yes, you can get specific dental insurance, but it's very expensive AND will require a thorough check-up before cover would be offered (to determine the rate you'd pay, and whether the insurer wants to accept you, I guess). Existing conditions like your current need for a root canal wouldn't be covered.

It's tiresome, isn't it. My 6 yr old had all her molars repaired, including 2 root canals, under a general anaesthetic last month. We've always looked after her teeth well - my 10 yr old has no fillings, for example - but she just has rubbish, weak enamel. Yet even that's not covered, so we are paying a 3,000 chf bill, just like the parents of kids who swill Coke and suck lollies all day. Bah.

I had a root canal a year or two ago, and it cost about 950 chfs. If you have the time and aren't in too much pain/ too infected, then shop around, the price can vary a great deal.

kodokan