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Old 15.04.2015, 18:49
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doctor before insurance??

Hey All
I have just registered, and so have just applied for health insurance which only kicks in at the beginning of next month. I need to go get something checked out and i was just woundering if anyone knows the average cost of a consultation or any reasonable doctors?

Thanks
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Old 15.04.2015, 19:01
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Re: doctor before insurance??

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Hey All
I have just registered, and so have just applied for health insurance which only kicks in at the beginning of next month. I need to go get something checked out and i was just woundering if anyone knows the average cost of a consultation or any reasonable doctors?

Thanks

You are covered from the date you are registered and you will have to pay premiums from that day forward. Call your insurance and tell them to give it to you in writing that you have insurance from the date of registration.

Health Insurance Payment Back-dated?
No health insurance - too risky?
Urgent question insurance

As for cost of consultation - it varies depending on a whole bunch of factors, some of those being field of medicine, type of treatment (talk, surgery, ultrasound, etc.)
There is the Tarmed (medical tariff) which doctors use.
See this thread: what's TarMed?
There is no way to give a black-and-white answer on this subject.

Also, federal info taken from here:
"08. Can a health insurance fund refuse to insure me or attach conditions?
No. As far as compulsory health insurance (basic insurance) is concerned, all health insurance funds are obliged to accept your application irrespective of your age and state of health, and without stipulating any conditions or waiting period."


and from here:
"All persons domiciled in Switzerland must take out health insurance. Every family member is insured individually, regardless of age. Anyone arriving in Switzerland with the intention of staying must take out such insurance within three months. Parents are allowed the same period in which to insure their newborn children. The basic health insurance reimburses retroactively for any health-related expenses incurred up to the time the insurance coverage began. Since expenses are reimbursed retroactively, consequently it is mandatory to pay the premiums retroactively from the beginning of coverage on.

The insured may choose any health insurer he wants, and the insurer must accept him irrespective of his age and state of health, and without any reservations or qualifying period."
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Old 15.04.2015, 19:03
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Re: doctor before insurance??

Your health insurance should kick in as soon as you become resident (and you should be billed from the beginning of that month).

If you don't have details yet, then pay the bill and send it to your insurer once you do. If there is anything left after the excess then they'll reimburse you.
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Old 15.04.2015, 19:06
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Re: doctor before insurance??

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Hey All
I have just registered, and so have just applied for health insurance which only kicks in at the beginning of next month. I need to go get something checked out and i was just woundering if anyone knows the average cost of a consultation or any reasonable doctors?

Thanks
50-150 CHF, which is why having a large franchise will be good value for most people. Go in France & you will pay 23 euro.
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Old 18.04.2015, 10:09
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Re: doctor before insurance??

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Anyone arriving in Switzerland with the intention of staying must take out such insurance within three months.
Hi Glowjupiter, I have question relate to this. I arrive on April 1st, can I start my insurance from May? Insurance company told me that I have to start from April which is the month of arrival.
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Old 18.04.2015, 10:09
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Re: doctor before insurance??

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Hi Glowjupiter, I have question relate to this. I arrive on April 1st, can I start my insurance from May? Insurance company told me that I have to start from April which is the month of arrival.
No, you need insurance from the date of arrival.
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Old 18.04.2015, 10:55
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Re: doctor before insurance??

It's also quite unlikely the doctor will make you pay up-front - they will take all your details (including insurance info) and send you a bill maybe in 1-3 months' time.

Either way, for a normal consultation, from a general doctor - I would expect maybe 40-80 chf plus whatever tests you need done - blood tests maye 50-80chf, scans a lot more, but either way, not really 'expensive' if you are earning a full salary here... for a 'first consultation' they might charge more (medical history) - set aside 200chf and you should get change...
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Old 18.04.2015, 15:23
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Re: doctor before insurance??

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Hi Glowjupiter, I have question relate to this. I arrive on April 1st, can I start my insurance from May? Insurance company told me that I have to start from April which is the month of arrival.
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No, you need insurance from the date of arrival.
Yes, tom_vn, fatmanfilms is right.

Basic health insurance (Grundversicherung) is mandatory from the date of taking up residence or from date of birth. That is federal law (Art. 5 paragraph 1 KVG).

Supplemental health insurance (Zusatzversicherung) can be taken out from whenever you wish, however - as opposed to basic health insurance - insurers are allowed to reject you.

So, if you move to Switzerland on say, Sept 1st and have a baby which is born on Dec 1st, three months later and a child which was born on Jun 1st, three months before your move:

You have to take out basic health insurance
- for yourself starting Sept 1st (relevant: date of taking up residence)
- for your baby starting Dec 1st (relevant: date of birth)
- for your older child starting Sept 1st (relevant: date of taking up residence)

You can take out supplemental health insurance
- for yourself at any date on or after Sept 1st
- for your baby at any date on or after Dec 1st
- for your older child at any date on or after Sept 1st

HTH


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It's also quite unlikely the doctor will make you pay up-front - they will take all your details (including insurance info) and send you a bill maybe in 1-3 months' time.
True, but OP is more likely to run the risk of not getting treatment without proof of insurance coverage if there is no medical emergency.
Without an emergency, doctors are allowed to reject patients.

As for billing, there is
a) the possibility to have the doctor send the bill straight to the insurance company, having them pay the doctor directly and billing the patient only for the deductible and retention fee (Franchise and Selbstbehalt) - this being called tiers payant
or
b) the possibility to have the doctor send the bill to the patient, who then pays the bill to the doctor and sends the copy of the bill to his insurance company for a refund (minus deductible and retention fee, which the patient has to pay) - this being called tiers garant
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Old 18.04.2015, 15:38
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Re: doctor before insurance??

Thanks glowjupiter and fatmanfilms. IIt's crystal clear for me now
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Old 18.04.2015, 15:53
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Re: doctor before insurance??

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It's also quite unlikely the doctor will make you pay up-front - they will take all your details (including insurance info) and send you a bill maybe in 1-3 months' time...
In my case, our local doctor/GP did make us pay up front for the very first visit, even though he took my insurance info. Since then he's sent to insurance though. So it can vary. If any question, ask before receiving treatment.
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