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  #161  
Old 05.05.2011, 22:18
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Re: Health Insurance FAQs

Hi,

I couldn't find info on the following question anywhere, and I see that many questions get answered here

Is there a time limit on reimbursements? I.e., can the insurance company (tradiconsult in my case) claim the case old, and refuse to reimburse me? It has been 6 months since I submitted my reimbursement form, and they either do not respond back, or give me some excuse. So I'm wondering is there some time frame after either they can refuse to reimburse me, or when I can complain to some authority?

Best,
N.
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  #162  
Old 05.05.2011, 22:43
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Re: Health Insurance FAQs

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Hi,

I couldn't find info on the following question anywhere, and I see that many questions get answered here

Is there a time limit on reimbursements? I.e., can the insurance company (tradiconsult in my case) claim the case old, and refuse to reimburse me? It has been 6 months since I submitted my reimbursement form, and they either do not respond back, or give me some excuse. So I'm wondering is there some time frame after either they can refuse to reimburse me, or when I can complain to some authority?

Best,
N.
Insurance claims within 3 years.
Most other invoices 5 years.
Some situations 10 years.
Full authoritative answer here:
http://www.beobachter.ch/justiz-beho...g-aufbewahren/
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  #163  
Old 05.05.2011, 22:50
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Re: Health Insurance FAQs

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Sorry if this has been covered, but I am trying to establish whether this is correct, though it may depend on contracts and company policy I imagine:

My company can never manage a consistent pay check. Quite frankly, I dont trust them now. Not great is it.

Anyway, this month, they have included October to April contributions in my gross pay, this is a first. I guess they forgot before so are piling it in this month. I had always thought they paid it, it was a benefit, that was that. Logically, I dont mind paying tax on that if thats how it is supposed to be. Can anyone concur?

What I do not understand, is as well as it being included in my gross pay, and thus taxed, it is also deducted, gross, from my net salary? Thus, it appears I am paying tax on something I am paying for? This can't be right.

If anyone can clear this up for me I would greatly appreciate it.

Thanks
For simplicity, tax tables for TDS (tax deducted at source) are based on gross salary. The determined rates are pre-adjusted for standard deductions. The tax rate is also the average rate for all communes in the canton.
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  #164  
Old 11.05.2011, 20:28
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Re: Health Insurance FAQs

Hi,
I am new in Switzerland and also in this forum. I should be very grateful if somebody could help me.
I am here from 05.03. As I know, I have three month to looking for a insurance. So, should I pay for these three month or I can take out a health insurance from 01.06 and pay only for it?
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  #165  
Old 11.05.2011, 20:30
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Re: Health Insurance FAQs

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Hi,
I am new in Switzerland and also in this forum. I should be very grateful if somebody could help me.
I am here from 05.03. As I know, I have three month to looking for a insurance. So, should I pay for these three month or I can take out a health insurance from 01.06 and pay only for it?
Pay for the three months. If you don't they will know
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  #166  
Old 13.05.2011, 22:55
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Re: Health Insurance FAQs

Thanks for so many information....
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  #167  
Old 23.06.2011, 14:06
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Re: Health Insurance FAQs

I've been here almost 3 years now and relaised that I still have little to no clue how health insurance works, and have just been paying without thinking on a less than ideal plan.

So, after reading this FAQ am I right that:

Cancelling old policy:
  • I can only change in December this year
  • I need to give 3 months written notice using one the template letters in the OP

Getting a new policy

Anyone know a good insurance company that provide an English website translation and T&C's, and provide competetive prices at 300/500CHF excess premiums?

I'm still unsure as to the different things my insurance covers, and how much they pay towards certain things... and my German isnt technical enough to fully comprehend everything. It's headache material.
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  #168  
Old 23.06.2011, 15:59
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Re: Health Insurance FAQs

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I've been here almost 3 years now and relaised that I still have little to no clue how health insurance works, and have just been paying without thinking on a less than ideal plan.

So, after reading this FAQ am I right that:

Cancelling old policy:
  • I can only change in December this year
  • I need to give 3 months written notice using one the template letters in the OP

Getting a new policy

Anyone know a good insurance company that provide an English website translation and T&C's, and provide competetive prices at 300/500CHF excess premiums?

I'm still unsure as to the different things my insurance covers, and how much they pay towards certain things... and my German isnt technical enough to fully comprehend everything. It's headache material.
Hi Richdog,

You've got that almost right -

If you have basic insurance only :

- you can only cancel it for the end of December but they must receive your registered letter before the end of November. They are very strict about this, it has to be sent registered post (or taken in by hand) before that date. It is the date of reception which counts - not the day you sent it.

If you have supplementary insurance too :

- depending on who you're insured with, you should send the letter before the 30th of September at the latest.

N.B. Some companies supplementary insurance contracts last for 3 or 5 years in which case you have to wait until the end of the contract in order to cancel.

---

Not all companies have their websites translated into English but some do.

Most have their general conditions etc. in English too even though the website may not be.

If you're stuck on specific terms then you should try this translation tool which is specifically for insurance related terms :

http://www.vbv.ch/upload/Lexikon/lex...?SP=e&ID&LexID
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  #169  
Old 23.06.2011, 16:00
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Re: Health Insurance FAQs

P.S. Why do you have such a low deductible? If you're in general good health, you'd be better off with a slightly higher deductible of say 1'500.- but with some supplementary to back it up.

It would probably be no more expensive and you'd have better cover

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  #170  
Old 23.06.2011, 16:08
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Re: Health Insurance FAQs

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Anyone know a good insurance company that provide an English website translation and T&C's, and provide competetive prices at 300/500CHF excess premiums?
Visana can do everything in English, including an all English booklet that outlines the benefits related to the different coverages for both basic insurance and supplementary insurance. Visana isn't exactly a cheap option though.
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  #171  
Old 23.06.2011, 16:19
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Re: Health Insurance FAQs

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Visana isn't exactly a cheap option though.
Depends on where you live, your age and which supplementary options you've gone for.
Their semi-private package is a lot cheaper than a lot of their competitors (again, depending on age etc.) but granted, their standard basic premiums may be high.

Remember, you can save money on the basic by going for an alternative method etc.
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  #172  
Old 23.06.2011, 16:33
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Re: Health Insurance FAQs

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their standard basic premiums may be high.
yep, was thinking of their premium for the basic insurance So, I just went for their cheaper option sana24 for my basic and still manage to get the same English support (although document isn't in English, but then, the standard coverage is the same without the "extra options" anyway, so not big deal).
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  #173  
Old 23.06.2011, 16:45
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Re: Health Insurance FAQs

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yep, was thinking of their premium for the basic insurance So, I just went for their cheaper option sana24 for my basic and still manage to get the same English support (although document isn't in English, but then, the standard coverage is the same without the "extra options" anyway, so not big deal).
exactly

Visana, Sana24 and Vivacare all form part of the same group
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  #174  
Old 23.06.2011, 17:14
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Re: Health Insurance FAQs

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P.S. Why do you have such a low deductible? If you're in general good health, you'd be better off with a slightly higher deductible of say 1'500.- but with some supplementary to back it up.

It would probably be no more expensive and you'd have better cover

The difference seems to be only a matter of 50 CHF per month between a 1500CHF premium and a 300CHF premium... and I thought that a lower one made it cheaper overall if you even visit the doctor a couple of times a year? Maybe im getting it wrong.

Also the supplement things I dont quite understand either... I see some for "natural" remedies (eg: accupuncture/Reflexology/Massage etc etc" but am not sure in what situations you could claim those... would you be able to just go for any reason or would you need a diagnosis first?

I wish someone somewhere would give a 2 hour seminar on health insurance, id gladly pay to attend.
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  #175  
Old 23.06.2011, 17:19
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Re: Health Insurance FAQs

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I wish someone somewhere would give a 2 hour seminar on health insurance, id gladly pay to attend.
For a drink in Zurich, will gladly offer you one


Ok, back to your questions:
Quote:
Also the supplement things I dont quite understand either... I see some for "natural" remedies (eg: accupuncture/Reflexology/Massage etc etc" but am not sure in what situations you could claim those... would you be able to just go for any reason or would you need a diagnosis first?
The answer is, it depends. It depends on the level of your supplementary coverage. The particular coverage you are referring to is covered under the "complementary" section of your supplementary insurance. Within the Complementary section, you can pay different premium and choose different coverage - some would require a doc's note to get massage, for example, and some won't require this note; some would allow you to go to anyone anywhere and some would limit the service to be provided by a therapist recongnized by the insurnace company. Obviously, the more you pay, the more options you get.

Then there's supplementary insurance for "Hospital." This relates to in-paitient treatments. And there's also supplementary insurance for "Outpaitient" as well. Just to make things more complated.
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  #176  
Old 23.06.2011, 17:20
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Re: Health Insurance FAQs

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The difference seems to be only a matter of 50 CHF per month between a 1500CHF premium and a 300CHF premium... and I thought that a lower one made it cheaper overall if you even visit the doctor a couple of times a year? Maybe im getting it wrong.

Also the supplement things I dont quite understand either... I see some for "natural" remedies (eg: accupuncture/Reflexology/Massage etc etc" but am not sure in what situations you could claim those... would you be able to just go for any reason or would you need a diagnosis first?

I wish someone somewhere would give a 2 hour seminar on health insurance, id gladly pay to attend.
And there's me who does them for free, lol. Maybe I should charge?...

I am currently working on a website where there'll be a lot of information on all of this sort of stuff - why supplementary is important etc. I'll post something as soon as it's up and running (we're nearly there...)
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  #177  
Old 23.06.2011, 17:29
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Re: Health Insurance FAQs

Also, with supplementary, you need to think about :

- hospitalisation
The basic only covers you in your canton of residence, public hospitals and no choice of surgeon

- transport costs
For ambulance/helicopter etc.
N.B. If you're working then this would go through your employers accident insurance if you needed one due to an accident but things like heart attacks are classed as "illness"
The basic insurance doesn't cover this very well at all (50% max. 500CHF) so a top-up with some supplementary is recommended

- alternative medicines
you shouldn't need a referral from your GP as the basic and supplementary insurances are treated separately but maybe some companies are asking for this now?
Only acupuncture is covered under basic and only in some cases.

With most companies, there is no deductible for these so even if you just went once during the year to an osteopath, for example, you'd be covered right away regardless of what's happening with your basic insurance

- there are probably another million things you could get covered under supplementary, it really depends on what you're looking for.
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  #178  
Old 23.06.2011, 17:40
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Re: Health Insurance FAQs

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For a drink in Zurich, will gladly offer you one


Ok, back to your questions:


The answer is, it depends. It depends on the level of your supplementary coverage. The particular coverage you are referring to is covered under the "complementary" section of your supplementary insurance. Within the Complementary section, you can pay different premium and choose different coverage - some would require a doc's note to get massage, for example, and some won't require this note; some would allow you to go to anyone anywhere and some would limit the service to be provided by a therapist recongnized by the insurnace company. Obviously, the more you pay, the more options you get.

Then there's supplementary insurance for "Hospital." This relates to in-paitient treatments. And there's also supplementary insurance for "Outpaitient" as well. Just to make things more complated.
Well I do get RSI from computing heavily for so many years, so it would be nice if I could get alternative therapies like massage (wouldnt mind trying accupuncture either) on my insurance, as well as some reflexology etc.

Also what im worried about is if I change insurance, then ill need to change my Doctor... and I have a very good practise (Dr. Martin Smith at Bellevue) that I go to that is very close to my workplace, it is native English-speaking and I would hate to lose it.

Ideally for 300CHF or under a month I would want:
  • 500CHF or lower excess
  • "Alternative therapy" insurance like I described above.

For example I have Sana24 now, but literally have no idea (and I feel very stupid saying this as i'm generally quite savvy) what I can claim and what I can't as it stands now. I read the supplementary page here but am still unsure http://www.sana24.ch/de/produkte/zus...herungen.shtml
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  #179  
Old 23.06.2011, 17:49
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Re: Health Insurance FAQs

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For example I have Sana24 now, but literally have no idea (and I feel very stupid saying this as i'm generally quite savvy) what I can claim and what I can't as it stands now. I read the supplementary page here but am still unsure http://www.sana24.ch/de/produkte/zus...herungen.shtml
Well, assuming you don't have the extras to save money (TelMed, GP, etc.), then basic insurance benefits are almost the same (well, it really is the same) among all companies. So why not emailing Visana and ask for a copy of their offerings in English? This will include details on basic insurance coverage (which will be the same with sana24 anyway) and will also tell you what supplementary options you get.

And assuming you don't go for an HMO or GP model, changing insurance company shuold not affect your current choice of doctors - you shouldn't have to change doctors.

The page you included:
"Spital" = Hospital; you can choose to get private rooms, etc whether just in CH, in Europe or Worldwide.
"Ambulant" = Outpaitent; so things like psychtherapy, drugs not otherwise covered by basic insurance, cost of transport, eye glasses, contact lens, dental surgery, etc.
"Komplementar" = Complementary; so things like massage, accupunture, etc.

Then seperately (not supplementary insurance), it also offers:
"Zahnversicherung" = dental
"Spitaltaggeld" = Hospital Cash (I didn't look at details, but would assume similiar to what a typical hospital cash product)
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  #180  
Old 30.06.2011, 23:09
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Re: Health Insurance FAQs

Hi all,

I'm new in CH and in need of health insurance as soon as possible (been here now 2 months without one). I'm not native English speaker and some of the terms used on comparis.ch as well as on this site are causing me trouble as is the huge selection of options to choose from. I want to apologize in advance if I'm asking something discussed here over and over again, I didn't have patience to go through all the posts on this thread.

Firstly, I would like to ask for assistance in choosing suitable deductible rate. I'm fairly young and lately been needing doctor approx. once a year for a flu or for "women's needs". I assume I won't be visiting Dr. too often from now on either.

Secondly, are there any insurance providers you shouldn't choose or are recommendable? Believe me, this would help so much when going through that never ending list of providers.

At the beginning I have been thinking of not taking any supplementary insurances and actually I would like to pay as less as possible (relocating has eaten up great deal of my savings and coming from country with free = tax paid health care the premiums feel extremely high).

Thanks for any tips, all are welcome!
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