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Old 22.03.2015, 21:03
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Hospital stay-insurance query

Hoping someone can help here. Went to the ER Room and admitted as an emergency patient with kidney obstruction and kidney stones in both kidneys, surgery carried out to remove obstruction, kept in for 3 days with further surgery scheduled for this week, however 24 hours after being discharged ended up back in ER dehydrated and kept in for several hours on a drip and had developed an infection too!

So the question is Insurers, HELSANA are saying that I am liable for the first chf.1000 of each hospital stay. So technically speaking does this mean I will have to pay chf.3000!!!???? I have already exceeded my annual franchise, so my query is solely related to the hospitalisation.

Seems crazy if its for the same condition and out of my control that surgery has to be done one week apart.

Any ideas ?

Thanks in advance
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Old 22.03.2015, 21:05
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Re: Hospital stay-insurance query

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Hoping someone can help here. Went to the ER Room and admitted as an emergency patient with kidney obstruction and kidney stones in both kidneys, surgery carried out to remove obstruction, kept in for 3 days with further surgery scheduled for this week, however 24 hours after being discharged ended up back in ER dehydrated and kept in for several hours on a drip and had developed an infection too!

So the question is Insurers, HELSANA are saying that I am liable for the first chf.1000 of each hospital stay. So technically speaking does this mean I will have to pay chf.3000!!!???? I have already exceeded my annual franchise, so my query is solely related to the hospitalisation.

Seems crazy if its for the same condition and out of my control that surgery has to be done one week apart.

Any ideas ?

Thanks in advance
Sounds unlikely, you need to see what is written in your insurance contract.
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Old 22.03.2015, 21:22
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Re: Hospital stay-insurance query

Seriously…? I've never heard of such a thing!
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Old 22.03.2015, 21:28
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Re: Hospital stay-insurance query

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Seriously…? I've never heard of such a thing!
Me neither. Off to check our insurance now to see if there's anything similar in there. ( not with Helsana though)
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Old 22.03.2015, 22:37
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Re: Hospital stay-insurance query

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Hoping someone can help here. Went to the ER Room and admitted as an emergency patient with kidney obstruction and kidney stones in both kidneys, surgery carried out to remove obstruction, kept in for 3 days with further surgery scheduled for this week, however 24 hours after being discharged ended up back in ER dehydrated and kept in for several hours on a drip and had developed an infection too!

So the question is Insurers, HELSANA are saying that I am liable for the first chf.1000 of each hospital stay. So technically speaking does this mean I will have to pay chf.3000!!!???? I have already exceeded my annual franchise, so my query is solely related to the hospitalisation.

Seems crazy if its for the same condition and out of my control that surgery has to be done one week apart.

Any ideas ?

Thanks in advance
That sounds insanely expensive. If the treatment were something insurance didn't have to cover I might understand - but kidney stones are not like a facelift done for shits and giggles.
Check your insurance policy - charging the first grand of each hospital stay sounds very unusual.

The one thing health insurances are allowed to claim from non-pregnant adults is CHF 15 per night of a hospital stay.
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Old 22.03.2015, 23:18
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Re: Hospital stay-insurance query

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Check your insurance policy - charging the first grand of each hospital stay sounds very unusual.
Increasing your "co-pay" is one way to keep your premiums lower, so it is not unusual at all.

I can give you the example of SWICA who offer a 15% premium reduction for hospital insurance if you agree to pay the first CHF 1000, 25% for 2000 and 50% for 5000. It all depends on how you assess the likelihood of having to spend time in hospital and for what....
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Old 22.03.2015, 23:33
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Re: Hospital stay-insurance query

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Increasing your "co-pay" is one way to keep your premiums lower, so it is not unusual at all.

I can give you the example of SWICA who offer a 15% premium reduction for hospital insurance if you agree to pay the first CHF 1000, 25% for 2000 and 50% for 5000. It all depends on how you assess the likelihood of having to spend time in hospital and for what....
This is the first time I've heard of that kind of deal, thanks for the information.

But just because an insurance company offers it doesn't mean to me that it's not unusual (as in that not only a small percentage of insured people choose this option).

If one wants to choose this option, go ahead - but as you say in your post, whoever chooses this option should consider the risks of the situation in question arising very carefully before signing up.
My recommendation to the OP remains the same: Check your policy to see what you signed up for and take it from there.
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Old 22.03.2015, 23:47
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Re: Hospital stay-insurance query

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My recommendation to the OP remains the same: Check your policy to see what you signed up for and take it from there.
This I agree with. It wouldn't be the first time someone on the forum has signed something they didn't really understand....
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