Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 12.03.2015, 18:15
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 2 Posts
strudel2014 has no particular reputation at present
health insurance - pregnant before becoming a resident

Hi
I was wondering if anyone had any advice, or had had a similar experience.
My husband moved over in December and i have just joined him full time ( as i was just coming at weekends). I have just found out that i am 9 weeks pregnant and was wondering does that mean that i will get basic care as i have not paid into the policy.
We have insurance with Sanitas - s care i believe ?
thanks so much for your help in advance
x
Reply With Quote
  #2  
Old 12.03.2015, 18:56
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 6,524
Groaned at 43 Times in 39 Posts
Thanked 9,168 Times in 4,358 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: health insurance - pregnant before becoming a resident

Here's what I said on your other thread:

Quote:
View Post
Congratulations! Do a search for gynecologist here (search box is in the upper right corner) and you'll see lots of recommendations.

Don't stress too much about insurance. It is backdated to your day of arrival. Let's say you are arriving 15 March but you don't sort insurance out until end of March. Even if you visit the doctor on your very first day you'll be covered. As you're already pregnant you might not be able to get supplemental/private insurance, but you'll get the basic and it's certainly adequate for pregnancy and birth.
In case you missed it with my wordy typing - YES you are covered with the basic insurance from the day you arrive in CH.
Reply With Quote
The following 2 users would like to thank 3Wishes for this useful post:
  #3  
Old 12.03.2015, 20:54
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 2 Posts
strudel2014 has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

sorry 3 wishes thank you for your reply, its so kind of you.
i just wondered would it only be basic care i would receive?
Reply With Quote
  #4  
Old 12.03.2015, 21:01
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,381
Groaned at 62 Times in 32 Posts
Thanked 2,966 Times in 1,470 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: health insurance - pregnant before becoming a resident

Quote:
View Post
sorry 3 wishes thank you for your reply, its so kind of you.
i just wondered would it only be basic care i would receive?
You will only get basic insurance… but you will get all the care you "need" with that. You won't get extras that might be covered by supplementary insurance.
Reply With Quote
  #5  
Old 12.03.2015, 21:18
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 2 Posts
strudel2014 has no particular reputation at present
thank you - i suppose i was concerned that basic care sounds well - basic ! my worst fear is that the people treating me won't speak english x

also what hospitals does basic cover ? xx

Last edited by 3Wishes; 12.03.2015 at 21:26. Reason: merging successive posts
Reply With Quote
  #6  
Old 12.03.2015, 21:22
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,381
Groaned at 62 Times in 32 Posts
Thanked 2,966 Times in 1,470 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: health insurance - pregnant before becoming a resident

Quote:
View Post
thank you - i suppose i was concerned that basic care sounds well - basic ! my worst fear is that the people treating me won't speak english x
The majority of people in Switzerland only have basic insurance, and the care is very good. When I was in hospital (not pregnancy) on basic insurance I got everything I needed possibly more (although I wouldn't have minded a private room), all the doctors spoke English… not all the nurses, but that wouldn't change by having supplementary insurance.
Reply With Quote
  #7  
Old 12.03.2015, 21:26
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 2 Posts
strudel2014 has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

thanks so much for the reassurance i think i am just feeling hormonal and emotional at the moment, with the thought of giving birth away from the UK and my family.
Reply With Quote
  #8  
Old 12.03.2015, 21:29
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,381
Groaned at 62 Times in 32 Posts
Thanked 2,966 Times in 1,470 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: health insurance - pregnant before becoming a resident

Quote:
View Post
thanks so much for the reassurance i think i am just feeling hormonal and emotional at the moment, with the thought of giving birth away from the UK and my family.
Seriously… it's way better than the NHS I was glad I was here, not back in the UK. Not that I wouldn't have got the treatment I needed in the UK, but would probably have been on a ward of 12 rather than 4 or 2 beds.
Reply With Quote
  #9  
Old 12.03.2015, 22:05
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Re: health insurance - pregnant before becoming a resident

Quote:
View Post
You will only get basic insurance… but you will get all the care you "need" with that. You won't get extras that might be covered by supplementary insurance.
If you pay a (very significant, in some cases) sum though, you can get a hospital upgrade for the birth. Check out this thread: Which hospital for giving birth??

Congratulations!
Reply With Quote
This user would like to thank glowjupiter for this useful post:
  #10  
Old 13.03.2015, 06:37
Pixie B's Avatar
Forum Veteran
 
Join Date: Mar 2014
Location: SZ
Posts: 941
Groaned at 11 Times in 5 Posts
Thanked 729 Times in 302 Posts
Blog Entries: 23
Pixie B has a reputation beyond reputePixie B has a reputation beyond reputePixie B has a reputation beyond reputePixie B has a reputation beyond repute
Re: health insurance - pregnant before becoming a resident

Quote:
View Post
Seriously… it's way better than the NHS I was glad I was here, not back in the UK. Not that I wouldn't have got the treatment I needed in the UK, but would probably have been on a ward of 12 rather than 4 or 2 beds.
Woahhhh how do you know I had a private room and 2 midwife all to myself on hand from start to finish on the NHS! (was at home, but still! got the exact care I wanted)

strudel2014, I can imagine your anxiety it's enough just moving here during the first 6 months but I'm sure you have absolutely nothing to worry about I have not given birth here but one of my children has consultant care and I've been to the Kinderspital a few times, I found it very good and the staff very warm and friendly (and they all speak English!) and one thing that is better here is they are FAR less busy than NHS hospitals so you are never waiting around for longer than 40 mins etc

I'm still getting to grips with the whole insurance thing but my understanding that basic insurance would get you the same care as you'd get on NHS (so no guarantee of private room etc) it doesnt' mean basic as in they won't give you pain relief or anything try not to worry!

Congratulations!
Reply With Quote
  #11  
Old 13.03.2015, 10:32
SA33's Avatar
Newbie 1st class
 
Join Date: Nov 2014
Location: Zug
Posts: 17
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 3 Posts
SA33 has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

Congratulations on your pregnancy!

Don't worry much about the insurance because Sanitas will surely cover you sufficiently - at least they did in my case.

I moved here in 2014, 36 weeks pregnant, on a tourist visa. So I paid for my gynaecologist visits until I got my permit 4 weeks later, when I was 40 weeks pregnant. My insurance (with Sanitas) was back dated to my first day of arrival in Switzerland. So as such, they refunded all the money I had paid for my gynaecologist visits, as well as all the money I had paid the hospital for delivery.

I used the cantonal hospital though. I must say I was well accommodated and saw no reason to upgrade. You have your own delivery room equipped will all the necessary stuff, then after delivery I was moved to a room that accommodates 2 people. For me that was OK because I needed the company.

All the midwives and doctors that attended to me spoke English too. And they were very patient with me despite all the complications of delivering a 4.5kg baby and my symphysis pubis dysfunction.
Reply With Quote
  #12  
Old 29.04.2015, 15:20
Newbie
 
Join Date: Apr 2015
Location: Msk
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
Mila.ha has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

Dear experienced ones, going to Switzerland in 5 weeks (relocating with my husband). Will be 33weeks pregnant by that time. Read all possible info about insurance and giving birth there. Have just one question left - how do I deal with all the medical documentation I have here (it is not in english or german) - do I translate it or do I need to get all tests (blood, ultrasound etc) done after I arrive? I have ordinary pregnancy (third one) so far.
Thanks
Reply With Quote
  #13  
Old 29.04.2015, 17:11
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 537
Groaned at 6 Times in 4 Posts
Thanked 307 Times in 195 Posts
catandmouse has earned some respectcatandmouse has earned some respect
Re: health insurance - pregnant before becoming a resident

You don't say in what language your documentation is in. Whilst there are plenty of foreign doctors here, there's no guarantee you're going to end up with one able to read your language and if there's suddenly something that needs to be done in a hurry that might cause a problem. If you can I would get it translated into a language likely to be understood here - English, German, French or Italian.
Reply With Quote
  #14  
Old 29.04.2015, 17:40
Forum Veteran
 
Join Date: Nov 2012
Location: Zurich
Posts: 579
Groaned at 3 Times in 3 Posts
Thanked 269 Times in 174 Posts
simple_person is considered knowledgeablesimple_person is considered knowledgeablesimple_person is considered knowledgeable
Re: health insurance - pregnant before becoming a resident

Don't be worried. If it is a normal pregnancy just bring your documents. Normally documents are technical for e.g. pictures, graphs , values etc. They can easily understand. If they don't they will simply repeat some of the tests.

Normally here woman go to their gynecologist's clinic until 36th week and finalize their delivery hospital. After that all checkup, delivery etc happens in the hospital. For you it would better if you directly start at the hospital.

All the required costs are covered by basic health insurance(not luxury one for e.g private room) during pregnancy and you are insured as soon as you enter Switzerland. Meanwhile I would suggest look for hospital online and get health insurance quotation which you can sign and send when you get permit here.

Quote:
View Post
Dear experienced ones, going to Switzerland in 5 weeks (relocating with my husband). Will be 33weeks pregnant by that time. Read all possible info about insurance and giving birth there. Have just one question left - how do I deal with all the medical documentation I have here (it is not in english or german) - do I translate it or do I need to get all tests (blood, ultrasound etc) done after I arrive? I have ordinary pregnancy (third one) so far.
Thanks
Reply With Quote
  #15  
Old 29.04.2015, 20:42
Newbie
 
Join Date: Apr 2015
Location: Msk
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
Mila.ha has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

catandmouse, simple_person thanks a lot! will bring ultrosounds and screenings (they are graphs and pics)...
I read about blood card. What is that? At what point can I obtain it? The one I have now is hand written and in russian : Msnsarcastic: - needs to be transcripted - because not every russian doctor can read it, and translated - do I even bother or make the blood card in Switzerland?
Reply With Quote
  #16  
Old 29.04.2015, 21:34
Newbie 1st class
 
Join Date: Aug 2011
Location: Lausanne
Posts: 17
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 2 Posts
elfe has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

Hi,
just wanted to reassure you again about the 'basic' package. You are in a different area to me but I was very impressed by the overall level of care at the hospital for the birth of my son, which was all under the basic package. Some hospitals have a system where you can pay just for a private room. At the hospital I was in this was 200chf per night and I felt it was well worth it. I had a very positive experience with basic insurance for pregnancy and birth.
Reply With Quote
  #17  
Old 30.04.2015, 02:53
Junior Member
 
Join Date: Apr 2011
Location: Bern
Posts: 44
Groaned at 1 Time in 1 Post
Thanked 23 Times in 16 Posts
TomBern has no particular reputation at present
Re: health insurance - pregnant before becoming a resident

I recommend you to follow the links in this sticky thread:
Health Insurance - Look here before asking questions please
And read the introduction of this thread, where you also can ask general insurance questions (that aren't already answered in the thread or elsewhere): Health Insurance FAQs

"Basic insurance" ("allgemein", obligatorische Krankenpflegeversicherung, KVG) is compulsory and pretty expensive already. It covers (almost) all necessary medical treatment in (public) hospitals in the canton where you live. There is a big number of insurance companies. They all have to pay the same things. And they have to accept you as a customer, no matter what your health status is.
With basic insurance, in some older public hospitals you will be in a room with 4 or even 6 beds. (Modern hospitals usually just have 1 or 2 bed rooms for anyone.) Sometimes it is possible to pay just a "Hotellerie" supplement in order to be in a more private room, without effect on what doctor will treat or operate you. (Ask in advance!)

"Supplementary insurance" for stationary hospital treatments (semi-private, private, in german: halbprivat/privat, VVG) is optional and very expensive. And the insurance companies can decide if they accept you or not, based on your health status. You have a more exhaustive choice of hospitals. With semi-private and private insurance, you have the right to be treated (e.g. operated) by head physicians or consultants (Chefarzt, Leitender Arzt). With semi-private, you usually get a 2-bed room, with private you get a private (1-bed) room.
Reply With Quote
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
Treatment for injury sustained before becoming resident in CH - who pay? JoMiFa Insurance 2 07.09.2013 11:25
best health insurance for pregnant women fraj1 Insurance 2 02.07.2013 11:38
Health insurance cover when entering the country pregnant Lize-Marie Family matters/health 2 12.09.2011 17:36
Arriving pregnant, how long to wait for health insurance? Glogg Family matters/health 19 11.07.2009 10:16
Health Insurance - moving from UK with pregnant wife yilmazms Insurance 15 23.10.2007 14:03


All times are GMT +2. The time now is 06:06.


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