Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 09.01.2015, 21:42
Newbie
 
Join Date: Dec 2014
Location: Hungary
Posts: 7
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
m_nora has no particular reputation at present
Compulsory insurance options in Bern

I'm moving to Bern with my family and looking for a basic health insurance. I've already read through a lot of threads, checked several insurers and the 'mighty and always quoted' comparis page back and forth to select the right package.
For a family of three with CHF 2500 franchise (0 for the child + dental here) I have narrowed down my selection to the followings (corresponding monthly fees included) :

Swica Favorit TelMed : CHF 680
Sanitas CompactOne / CallMed: CHF 605 / 711.7
CSS Telmed Acrosana CHF 690

What is important for us:
- have English speaking phone service / doctors
- Have the 'tiers payant' system between pharmacies/doctors, if possible

According to the forum threads and Comparis, Swica would be a good choice. I've no clue why CompactOne is so cheap it seems to be a similar Telmed system.

What do you think, which one would be the best option?
Any personal experience with the packages listed above?

My intention is to choose a good and reliable service on a reasonable price which has a good coverage in the Bern area, instead of saving some bucks with a small and crappy provider.


Many thanks,
nora
Reply With Quote
  #2  
Old 09.01.2015, 22:19
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,750
Groaned at 484 Times in 294 Posts
Thanked 4,002 Times in 1,992 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Compulsory insurance options in Bern

Quote:
View Post
My intention is to choose a good and reliable service on a reasonable price which has a good coverage in the Bern area, instead of saving some bucks with a small and crappy provider.
It's irrelevant where the insurance provider is, more important is making sure you have a doctor that suits you !
Reply With Quote
This user would like to thank Today only for this useful post:
  #3  
Old 09.01.2015, 22:19
Helvetia1967's Avatar
Junior Member
 
Join Date: Dec 2014
Location: Geneva
Posts: 76
Groaned at 10 Times in 4 Posts
Thanked 31 Times in 22 Posts
Helvetia1967 has no particular reputation at present
Re: Compulsory insurance options in Bern

Other solution:

Assura

Pharmed model (general practitioner model+ medications in a Sunstore pharmacy), deductible of CHF 2500, for parents:

212.60 (without accident) + 228.60 (with) = 441.20

For child(with accident, no deductible): With general practitioner model: 78.10. Plus approx. CHF 17.00 (large supplementary): Total 95.10

Totalfor family : 536.30 (final total = 520.70 reduction of price included: reimbursment of envrironmental tax)

With Assura it's "tiers garant".
Reply With Quote
  #4  
Old 09.01.2015, 22:47
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery-Courtion
Posts: 13,527
Groaned at 171 Times in 135 Posts
Thanked 9,659 Times in 5,513 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Compulsory insurance options in Bern

Bear in mind that usually the employer provides accident insurance cover which will cover the employee even outside of work. So you can save a few francs a month on that. I pay about 5 francs more a month than my OH because he's employed and I'm not so have to get my own accident insurance.

Helvetia1967, are there any Sunstores left? Around here they've all been bought up by Benu Pharmacies.
Reply With Quote
This user would like to thank Medea Fleecestealer for this useful post:
  #5  
Old 09.01.2015, 22:57
Helvetia1967's Avatar
Junior Member
 
Join Date: Dec 2014
Location: Geneva
Posts: 76
Groaned at 10 Times in 4 Posts
Thanked 31 Times in 22 Posts
Helvetia1967 has no particular reputation at present
Re: Compulsory insurance options in Bern

Quote:
View Post
Bear in mind that usually the employer provides accident insurance cover which will cover the employee even outside of work. So you can save a few francs a month on that. I pay about 5 francs more a month than my OH because he's employed and I'm not so have to get my own accident insurance.

Helvetia1967, are there any Sunstores left? Around here they've all been bought up by Benu Pharmacies.

There are four of them in Bern city area and one of them in town (according www.sunstore.ch website)

In town :
SUN STORE SA
Parfümerie • Apotheke
Storchengässchen 6, 3011 Bern

For appr. CHF 6.00 more parents can chose general practitioner model and buy the prescript medication in any pharmacy,
Reply With Quote
This user would like to thank Helvetia1967 for this useful post:
  #6  
Old 10.01.2015, 00:12
Newbie
 
Join Date: Dec 2014
Location: Hungary
Posts: 7
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
m_nora has no particular reputation at present
I see. Well, this is also a question, which doctor to choose...

Quote:
View Post
Other solution:

Assura

Pharmed model (general practitioner model+ medications in a Sunstore pharmacy), deductible of CHF 2500, for parents:

212.60 (without accident) + 228.60 (with) = 441.20

For child(with accident, no deductible): With general practitioner model: 78.10. Plus approx. CHF 17.00 (large supplementary): Total 95.10

Totalfor family : 536.30 (final total = 520.70 reduction of price included: reimbursment of envrironmental tax)

With Assura it's "tiers garant".
Thanks for your answer.
This seems to be really cheap. Do they have a telmed option? I think by calling a telmed phone you can same some many, because at a GP you always have to pay, even for 3 minutes chatting, haven't you?

So you are restricted to buy only at a Sunstore? I found only two of them in Bern:
Sun Store MM Im Zentrum Fitnesspark
Bernstrasse 114 3072 Ostermundigen

Sun Store Zentrum Bethlehem
Riedbachstrasse 8 3027 Bern

Do you have a personal experience with Assura?

Thanks,
nora

Last edited by 3Wishes; 20.09.2015 at 16:28. Reason: merging consecutive replies
Reply With Quote
  #7  
Old 10.01.2015, 00:43
Helvetia1967's Avatar
Junior Member
 
Join Date: Dec 2014
Location: Geneva
Posts: 76
Groaned at 10 Times in 4 Posts
Thanked 31 Times in 22 Posts
Helvetia1967 has no particular reputation at present
Re: Compulsory insurance options in Bern

Quote:
View Post
Thanks for your answer.
This seems to be really cheap. Do they have a telmed option? I think by calling a telmed phone you can same some many, because at a GP you always have to pay, even for 3 minutes chatting, haven't you?

So you are restricted to buy only at a Sunstore? I found only two of them in Bern:
Sun Store MM Im Zentrum Fitnesspark
Bernstrasse 114 3072 Ostermundigen

Sun Store Zentrum Bethlehem
Riedbachstrasse 8 3027 Bern

Do you have a personal experience with Assura?

Thanks,
nora
About Telmed model I guess you are confusing. Telmed is an Health advice hotline (Telmed will not cure you!). After that you can consult your doctor. Telmed is a special insurance model. It's cheaper than the classical insurance model with Free choice of practicers, yes. There are other special (at low price) model. The main special model is general practitioner model (GP model). This model is cheap also. It is even cheaper than Telmed for almost all the insurance companies.

About Assura I am official insurance agent for their products.

About Sunstore. Assura has 3 insurance models. 1) Free choice of practicers 2) GP model 3) PharMed model. Pharmed model is GP model + you accept to buy your prescripts medications in a Sunstore. Two Sunstore are in Bern town and two others are outside town. If you don't want the restricted choice of parmacy you can perfectly choice GP model. And you can buy your prescrips medications in any pharmacy you want. Price of GP model is only approx. CHF 6.00 higher for adults than with Pharmed.

Herebelow explanations of Telmed by CSS and Helsana :

CSS:
"24-hr emergency and medical advice
As a CSS client you can get advice by telephone on medical issues and emergencies in Switzerland or abroad from Medgate Telemedicine Center – free of charge, around the clock. A medical professional will discuss the most suitable next steps in your treatment with you and offer you comprehensive advice."

Helsana:
"Basic health insurance PREMED-24 (medical advice hotline)
PREMED-24 is an alternative insurance model within the compulsory basic health insurance. You receive the same medical benefits as under the standard statutory version. However, if you experience a medical problem you always consult the free advice hotline on 0800 773 633 and obtain their non-binding advice. Questions and uncertainties can often be cleared up over the phone with the result that a visit to the doctor is unnecessary in many cases. If you do still need to see a doctor you can make an appointment with a doctor of your choice afterwards."
Reply With Quote
  #8  
Old 10.01.2015, 12:25
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,969
Groaned at 542 Times in 342 Posts
Thanked 10,573 Times in 5,408 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: Compulsory insurance options in Bern

As Helvetia says, you would do well to take the GP model. There is a good practise in the centre of Bern, SANA-CARE, where 14 doctors are in a group.

http://www.sanacare.ch/htm/praxen.ht...&pid=3&navid=3

http://map.search.ch/Bubenberplatz%2...e,parkhaus,zug

http://tel.local.ch/en/q?what=SUN+ST...on%29&rid=mpQ0
Reply With Quote
This user would like to thank Sbrinz for this useful post:
Reply

Tags
basic health insurance, bern, insurence, telmed




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
IS House insurance compulsory ? bravoawan Insurance 4 27.10.2013 11:44
Exemption from compulsory health insurance MatthsMatths Insurance 69 16.07.2013 13:09
Compulsory Insurance lapochka Insurance 6 22.05.2010 15:29
Compulsory bodycheck for health insurance? zbjernak Insurance 1 24.11.2008 15:03
Exemption from compulsory health insurance, can I get it? giff Insurance 6 29.08.2007 22:54


All times are GMT +2. The time now is 09:57.


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