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  #341  
Old 28.03.2016, 19:53
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Re: Health Insurance FAQs

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there is something I don't get.

Say I am paying 300 CHF per month for my health insurance, with premium of 2500

per year I am paying for my health insurance 3600 CHF.

Let's imagine, as I usual do I get 1 or 2 colds a year and go to the doctor. It would cost me maybe 200 CHF in consultation and medicine.

and... I have to pay that!!!! How is that an insurance, I pay per year 3600, is that not enough to cover the cost of me going twice to the doctor?

Just moved in and really confused by this 'insurance'
First things first - welcome to the forum.

Please read through the multitude of threads on the subject before asking questions.

Start here and read the corresponding threads (link at top right of posts) and the threads which these posts link to:


Which health insurance is best?

Does basic insurance cover oncology?

Short answer - I think you must have mixed some things up.
Your deductible (Franchise) is 2500 per year and your premium is 300 per month. Meaning if you get sick the first 2500 of medical costs come out of your pocket, and after that 10% of costs are paid by you up to an annual maximum of CHF 700 in retention fee (Selbstbehalt). So you pay 3200 per year in incurred medical costs max. plus your monthly premiums.

Irrespective of how healthy you are you have to pay premiums. Your considerations of it being fair or not are irrelevant, as in Switzerland the healthy pay for the ill and thus everyone has to pay premiums irrespective of their state of health. See above links for details.

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The 2500 is not premium but "Selbsterhalt/Franchise" which means generally you pay that amount yourself before your insurance kicks in
Selbstbehalt (retention fee) and Franchise (deductible) are two different things, explained above in this post.

Last edited by glowjupiter; 28.03.2016 at 20:06.
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  #342  
Old 28.03.2016, 20:01
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Re: Health Insurance FAQs

this is crazy...

am Swiss but I never lived here until this month. So probably my situation is a bit different than anyone else here (no 'date of entry' and no 'work permit') ... but I was used to pay nothing for health... I lived in NL, Qatar, France, UK before

I can't believe how stingy (we?) swiss are. Asking me 3600 a year AND pay for my health expenses...
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  #343  
Old 28.03.2016, 20:03
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Re: Health Insurance FAQs

Welcome to Switzerland !
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  #344  
Old 28.03.2016, 20:03
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Re: Health Insurance FAQs

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this is crazy...

am Swiss but I never lived here until this month. So probably my situation is a bit different than anyone else here (no 'date of entry' and no 'work permit') ... but I was used to pay nothing for health... I lived in NL, Qatar, France, UK before

I can't believe how stingy (we?) swiss are. Asking me 3600 a year AND pay for my health expenses...
Sorry to bust your bubble, but this country is based on grounds of helping each other rather than being selfish.

As a Swiss you don't have a permit but you still have to register and pay your premiums as of date of entry/registering.
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  #345  
Old 28.03.2016, 20:07
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Re: Health Insurance FAQs

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this is crazy...

am Swiss but I never lived here until this month. So probably my situation is a bit different than anyone else here (no 'date of entry' and no 'work permit') ... but I was used to pay nothing for health... I lived in NL, Qatar, France, UK before

I can't believe how stingy (we?) swiss are. Asking me 3600 a year AND pay for my health expenses...
You think you paid nothing for healthcare in the other countries but you did pay somehow ( taxes, deductions from salary etc). Just because you didn't pay directly doesn't mean you didn't pay.
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  #346  
Old 28.03.2016, 20:10
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Re: Health Insurance FAQs

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Sorry to bust your bubble, but this country is based on grounds of helping each other rather than being selfish.

As a Swiss you don't have a permit but you still have to register and pay your premiums as of date of entry/registering.
Well, I'll be happy to pay 3600 a year--- even though it's a little on the high side. but then, up to that amount I should not pay a dime

how much does a visit to the docs for a cold cost?
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  #347  
Old 28.03.2016, 20:12
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Re: Health Insurance FAQs

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Well, I'll be happy to pay 3600 a year--- even though it's a little on the high side. but then, up to that amount I should not pay a dime

how much does a visit to the docs for a cold cost?
Most people wouldn't go to the doctor for a cold. There's not really much point as there's nothing a doctor can do for a cold.
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  #348  
Old 28.03.2016, 20:13
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Re: Health Insurance FAQs

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Well, I'll be happy to pay 3600 a year--- even though it's a little on the high side. but then, up to that amount I should not pay a dime

how much does a visit to the docs for a cold cost?
Then lower your franchise and expect to pay more monthly. There are countries where you pay according to your income level.

As Glowjupiter said, it is how it is here
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  #349  
Old 28.03.2016, 20:16
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Re: Health Insurance FAQs

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Most people wouldn't go to the doctor for a cold. There's not really much point as there's nothing a doctor can do for a cold.
ok so I pay 3600 to the insurance and I have 2510 CH medical bills per year (somehow i got really sick).

I paid 6110 CHF and my health insurance will send me a cheque of 10 CHF?
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  #350  
Old 28.03.2016, 20:29
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Re: Health Insurance FAQs

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ok so I pay 3600 to the insurance and I have 2510 CH medical bills per year (somehow i got really sick).

I paid 6110 CHF and my health insurance will send me a cheque of 10 CHF?
Nope. You also have to pay 10% of the bill yourself so you'd get 9chf reimbursed and when they pay it won't be by cheque.
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  #351  
Old 28.03.2016, 20:32
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Re: Health Insurance FAQs

hahahah ok so they send me a cheque of 9 CHF

in general if you are not sick much it's still a better deal to take 2500 Franchise right?

I miss Partena
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  #352  
Old 28.03.2016, 20:33
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Re: Health Insurance FAQs

Welcome to Europe this time. Almost no cheques so you get a ACH/transfer to your bank account.
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  #353  
Old 28.03.2016, 20:33
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Re: Health Insurance FAQs

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hahahah ok so they send me a cheque of 9 CHF

in general if you are not sick much it's still a better deal to take 2500 Franchise right?

I miss Partena
If you rarely get sick it's always a better deal to take the highest franchise possible.
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  #354  
Old 28.03.2016, 20:44
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Re: Health Insurance FAQs

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Sorry to bust your bubble, but this country is based on grounds of helping each other rather than being selfish.

As a Swiss you don't have a permit but you still have to register and pay your premiums as of date of entry/registering.
I think the system is based on making you more responsible for your healthcare, such a system certainly will help deter against hypochondriac. So that I don't go to the doctor for a cold as was suggested.

And yes, paying a lot for people who are sick, while you are not.
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  #355  
Old 28.03.2016, 20:45
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Re: Health Insurance FAQs

Yep, that is the principle of solidarity
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  #356  
Old 28.03.2016, 21:10
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Re: Health Insurance FAQs

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I think the system is based on making you more responsible for your healthcare, such a system certainly will help deter against hypochondriac. So that I don't go to the doctor for a cold as was suggested.

And yes, paying a lot for people who are sick, while you are not.
anyway I can't register for it now, as I don't yet have address where I will live (Bern).
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  #357  
Old 28.03.2016, 21:20
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Re: Health Insurance FAQs

Look at the HMO options.

You live in Bern, and in Bubenberplatz there are many medical centers which you can register with. The system is similar to the British NHS.

In SanaCare there are about 12 doctors, and you can choose which one to visit. The Visana insurance company is excellent, (HQ in Berne) & offers a very low premium when using the "Managed Care HMO" option and the Sanacare practise.

https://www.visana.ch/de/privatkunde...nagedcare.html

http://www.sanacare.ch/htm/praxen.htm?kontakt&navid=1&pid=3

https://en.comparis.ch/krankenkassen...electedmodel=3
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  #358  
Old 28.03.2016, 21:31
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Re: Health Insurance FAQs

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Look at the HMO options.

You live in Bern, and in Bubenberplatz there are many medical centers which you can register with. The system is similar to the British NHS.

In SanaCare there are about 12 doctors, and you can choose which one to visit. The Visana insurance company is excellent, (HQ in Berne) & offers a very low premium when using the "Managed Care HMO" option and the Sanacare practise.

https://www.visana.ch/de/privatkunde...nagedcare.html

http://www.sanacare.ch/htm/praxen.htm?kontakt&navid=1&pid=3

https://en.comparis.ch/krankenkassen...electedmodel=3
alright thanks, problem is i'm in Geneva now, I move to Bern next month (don't have a fixed address yet), but as soon as im set I'll register. Better not break a leg in the meantime
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  #359  
Old 28.03.2016, 21:52
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Re: Health Insurance FAQs

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alright thanks, problem is i'm in Geneva now, I move to Bern next month (don't have a fixed address yet), but as soon as im set I'll register. Better not break a leg in the meantime
I've more bad news for you: the insurance is backdated to the day you arrived here, and you will have to pay from at least 1.3.2016 so you can break a leg...
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  #360  
Old 28.03.2016, 22:04
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I've more bad news for you: the insurance is backdated to the day you arrived here, and you will have to pay from at least 1.3.2016 so you can break a leg...
Sure
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