Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 24.02.2015, 06:30
Newbie
 
Join Date: Feb 2015
Location: Basel
Posts: 1
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Wawawawa has no particular reputation at present
Same insurance/moving canton/Pre-existing condition

Hi
Thanks for a great forum
I am soon moving to Basel and have a few questions to the mandatory insurance.

1) Do my husband and I need to choose the same insurance company ? Is it inconvenient having 2 different ones ?

2) We will start out in Basel stadt but most likely move to Basel Landschaft later on. I understand the insurance will be cheaper here. Will the insurance company lower the price automatically or will we have to wait for the new year for that change to take effect ?

3) I have a pre-existing condition that I need to have follow-up appointments for every 6 months. Will that be covered or seen as 'prevention' and not covered ?

Thanks in advance for any replies
Reply With Quote
  #2  
Old 24.02.2015, 08:56
bearbadger's Avatar
Senior Member
 
Join Date: Jan 2013
Location: Thalwil
Posts: 326
Groaned at 7 Times in 6 Posts
Thanked 235 Times in 101 Posts
bearbadger has earned some respectbearbadger has earned some respect
Re: Same insurance/moving canton/Pre-existing condition

Since you have a pre-existing condition you will only be able to purchase the basic coverage. i had to do this also and I've found it to be perfectly adequate.

As far as whether or not something is covered that will depend on exactly what it is and whether or not your doctor orders it - you will need to ask the insurance company that specifically, but my guess is it'll be covered, no problem. I have to have a VERY expensive shot every 28 days so we made sure this would be covered before we moved. Since this has not been a problem for me I'm guessing, without knowing what you are dealing with, that yours will be covered also.

You will have an out of pocket max that you will have to pay each year - mine is $700 (maybe that is standard?). So as I have treatments, the insurance pays a portion and I pay a portion until I've paid a total of $700 and then I don't pay anymore until the following year. Usually I pay more than that before they catch up to me and then I get a refund. You will need to submit the copy that comes with your bill to your insurance company.

Hope this helps
Reply With Quote
  #3  
Old 24.02.2015, 09:25
edot's Avatar
Forum Legend
 
Join Date: Sep 2007
Location: Winterthur
Posts: 4,861
Groaned at 21 Times in 20 Posts
Thanked 6,206 Times in 2,801 Posts
edot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond repute
Re: Same insurance/moving canton/Pre-existing condition

When you move, call the insurance company with your new address (they will need this anyway). We moved, but our address changed as of January so I don't know if they change you mid year or end of year.

You have a franchise or deductable somewhere between 2500 and 300. The higher the deductable, the lower your monthly costs. Once you've satisfied this, your max out of pocket is chf 700.
Reply With Quote
This user would like to thank edot for this useful post:
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 for visiting parents with pre existing condition Lisa0305 Insurance 10 14.05.2014 22:49
Best insurance model for pre-existing condition check-up by a specialist? joannerandy Insurance 3 25.02.2014 10:14
pre-existing condition declaration dilemma calinomad Insurance 13 27.10.2013 23:32
Supplementary Insurance: Possible with pre-existing condition? jas_war Insurance 8 12.11.2012 20:02
Pre-existing condition [from Sicko] senseiwa Insurance 4 16.09.2007 16:39


All times are GMT +2. The time now is 22:11.


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