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View Poll Results: I rate my supplementary health insurance between (10 is excellent) ...
0 - 3 2 28.57%
4 - 7 1 14.29%
7 - 10 4 57.14%
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  #1  
Old 13.05.2015, 23:39
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Suggestions for supplementary (additional) health insurance

Hello,

I just got my basic, compulsory insurance with Atupri, but found out that their coverages in some areas (below) isn't adequate. So, I'm researching online with various companies. Unfortunately, there isn't a "comparis" for supplementary insurance products - which makes this bit tedious. Many of you must have done this research already, so I'm looking to benefit from your insights. Benefits/ cover I need is below:
  • Must have: gym / fitness fees rebate, the more the better. Typically, it's capped at 200 CHF p.a. but if you know any company that offers higher rebates, do let me know. Cover for medically prescribed massages will be great.
  • Important: coverage for vaccinations, since I may travel to some tropical countries. AFAIK - basic insurance covers only the vaccines prescribed by a doctor, and I'm not sure what will happen in case of voluntary travel. Most likely, the costs will be on me.
  • Important: ambulance and transport costs cover (75%+) for at least 2000 CHF will give me some peace of mind. Basic insurance only 50% up to 500 CHF. Ambulance bills can be upwards of 1000 CHF and such coverage will be inadequate.
  • Important: a good (75%+) coverage for prescribed meds.
  • Semi-important: non-prescription meds (e.g. for paracetamol or a cough syrup that I may buy myself), if such a cover exists.
  • Semi-important: psychotherapy since there's good chance that the insurance research itself will drive me mad.
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Old 14.05.2015, 10:56
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Suggestions for supplementary (additional) health insurance

I can't help with a rec, but I have a hefty prescription load and I think I pay 10% for everything except for one med they don't cover, even under supplemental coverage.- that is, once I've paid my chf 300 franchise.

Even with that, I don't pay 700 chf out of pocket.
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Old 14.05.2015, 11:14
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Re: Suggestions for supplementary (additional) health insurance

I think you should research your subject a bit more. Basic insurance covers many vaccinations and some psychotherapy.

What is the point of the pole? Two of us are very satisfied, but without you knowing the company, this information is pointless in my opinion.
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Old 15.05.2015, 14:58
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Re: Suggestions for supplementary (additional) health insurance



Communication can be much better, if people just follow the above MBA patented, three-pillar based, tuktuk model. Alright, enough corporate-ish talk! It's a weekend.. and I'm determined to solve this insurance puzzle.
  1. My question is specifically about voluntary vaccinations. Suppose I wish to travel to Nicaragua and ask my doctor for yellow fever vaccine. It may be prescribed, but still is voluntary. Does basic insurance cover that? If not, to what extent will supplementary insurance cover it? Of course, it's company specific, but inputs from people wrt their own insurer are welcome.
  2. Especially with hospital covers, I find the supplementary covers no more than valuable than "Miles and More" loyalty program. E.g. with Helsana - premium room at 40% discount, with gold membership. Ultra-premium room at 50% discount, with platinum plan.. It could be valuable if the premium rooms cost significantly more than basic room (so you feel like you've saved more), but then you also pay big chunk from your own pocket. All this makes me question the real value of supplementary covers. That's why the pole. These experiences too are company specific, but then I was hoping people will mention their insurers in their posts, otherwise, as you said, that post is pointless.

Last edited by makas; 15.05.2015 at 15:03. Reason: image resize
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Old 23.05.2015, 16:09
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Re: Suggestions for supplementary (additional) health insurance

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Hello,

I just got my basic, compulsory insurance with Atupri, but found out that their coverages in some areas (below) isn't adequate. So, I'm researching online with various companies. Unfortunately, there isn't a "comparis" for supplementary insurance products - which makes this bit tedious. Many of you must have done this research already, so I'm looking to benefit from your insights. Benefits/ cover I need is below:
  • Must have: gym / fitness fees rebate, the more the better. Typically, it's capped at 200 CHF p.a. but if you know any company that offers higher rebates, do let me know. Cover for medically prescribed massages will be great.
  • Important: coverage for vaccinations, since I may travel to some tropical countries. AFAIK - basic insurance covers only the vaccines prescribed by a doctor, and I'm not sure what will happen in case of voluntary travel. Most likely, the costs will be on me.
  • Important: ambulance and transport costs cover (75%+) for at least 2000 CHF will give me some peace of mind. Basic insurance only 50% up to 500 CHF. Ambulance bills can be upwards of 1000 CHF and such coverage will be inadequate.
  • Important: a good (75%+) coverage for prescribed meds.
  • Semi-important: non-prescription meds (e.g. for paracetamol or a cough syrup that I may buy myself), if such a cover exists.
  • Semi-important: psychotherapy since there's good chance that the insurance research itself will drive me mad.
I'll add something. I just had surgery wednesday and I have to say you forgot to ask about private room coverage. My partner upgraded me to a semi-private room after the first night of no sleep for 1700chf/day in a public hospital. The second room wasn't much better. The second the first set of stitches were out of me, I got out of there.

Let me tell you, there are people that hate their lives so much that they enjoy being in hospital and talking to the nurses in loud voices at 2,4, and 6am when their roommates are trying to sleep and recover from a long surgery. Don't get me started about the airheads reading cosmo in bed for 12 hours per day and going out for smoke breaks occasionally. At least they had the sense to shut up most of the day.

I have another rather invasive surgery due for the summer. Unless they hold me against my will, I will leave on the next day... and I suppose if they insist on holding me against my will, i'll be in a psych unit and possible in a quiet room.. Staying awake for nearly 48 hours with morphine in my system is not my idea of recovery.
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Old 25.05.2015, 14:09
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Re: Suggestions for supplementary (additional) health insurance

Sorry for your horrible experiences.. so, in short, you would recommend getting hospital cover? IMO, they're still a sham because even with a top-end cover you'd get just about 50/60% of your costs back. And there's a chance that after such hospitalization, the company might just deny you the cover next year.

Last edited by makas; 25.05.2015 at 16:36.
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Old 03.06.2015, 20:12
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Re: Suggestions for supplementary (additional) health insurance

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Sorry for your horrible experiences.. so, in short, you would recommend getting hospital cover? IMO, they're still a sham because even with a top-end cover you'd get just about 50/60% of your costs back. And there's a chance that after such hospitalization, the company might just deny you the cover next year.
They usually have 5 year contracts. And as far as I can tell, private cover will allow you to change rooms if your roommate is talking all night at the very least. (and maybe prevent your surgery from being bumped because someone with private cover wants it before you). Honestly, if you're really sick, it must be even worse since you don't want an annoying roommate, it could completely derail your recovery. Imagine getting chemo in a room with a loud person that wants to tell you their life story at 4am? It is PURE hell.

TBH, i'm a bit horrified that 4-patient rooms still exist. I thought they were basically shut down due to the very real threat of C.difficile in hospitals, but apparently, they still exist.
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Old 03.06.2015, 20:25
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Re: Suggestions for supplementary (additional) health insurance

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TBH, i'm a bit horrified that 4-patient rooms still exist. I thought they were basically shut down due to the very real threat of C.difficile in hospitals, but apparently, they still exist.
You've obviously never stayed in a UK hospital. A four bed room woukd be considered a luxury there, they are usually at least 8 and often 16 bed wards in the UK.
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Old 03.06.2015, 21:02
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Re: Suggestions for supplementary (additional) health insurance

Several of the things you mention are covered by basic insurance.

Medication: Just ask your doctor if the medication they are prescribing you is covered. If you forget, ask at the pharmacy and remember you are not obliged to take out the prescription... the one time it happened to me, the pharmacy kindly told me and I just didn't buy the medication and asked the doctor for something different. And, just so you know, paracetamol (Dalfagon) is covered by basic health insurance if prescribed by a doctor.

Psycotherapy is covered by basic insurance if carried out either by a psychiatrist or by a psychologist working under a psychiatrist. You can't see a psychologist / counsellor with a private practice though.

Basic health insurance also covers massage carried out by a physiotherapist if you have a prescription. Typically, you will receive a prescription for nine sessions, and this will be renewed if your doctor feels you still need physio. There is a limit to how many sessions you can have a year (I can't remember what it is, sorry). However if you have a long-standing condition which will benefit from physio (for example multiple sclerosis), this limit can be extended to almost one session per week. Longer physio sessions can also be covered for this reason. I know someone who has weekly physio lasting 45 minutes and they have found that, taking into account holidays, they have regular sessions all year long.

Incidentally, one thing you didn't mention was the CHF 15.- daily fee which you are expected to cover if you are hospitalised (charged for every day when you are under the hospital roof at midnight). Should you have a long hospitalisation, this can be a nasty shock. Should you find a supplementary insurance which covers it, I'd say that would be a bonus.
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Old 04.06.2015, 03:00
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Re: Suggestions for supplementary (additional) health insurance

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You've obviously never stayed in a UK hospital. A four bed room woukd be considered a luxury there, they are usually at least 8 and often 16 bed wards in the UK.
That's not even safe... No really, Clostridium Difficile could easily infect a whole ward that way.
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Old 04.06.2015, 03:24
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Re: Suggestions for supplementary (additional) health insurance

Private and semi private wards in hospitals are not a part of Visana supplementary insurance. This is quite separate, and they can be insured separately.

Visana supplementary insurance covers ambulance recovery, alternative medicine, fitness programmes etc. It does not cover immunisation for travel abroad, nor for over the counter cough & cold medicines.

So there is no simple answer, each insurance company can cover various risks, as they wish. Unlike basic general cover there are no rules about the levels of supplementary insurance cover.

The daily CHF 15 charge is to cover the food you consume, which you will not be buying while you are in hospital.

I don't think you are correct with your paracetamol statement. For instance Aspriin is not covered by insurance. But when it is covered in sugar and it becomes "Aspirin Cardio 100 mG" then it costs 20 times more, and IS covered...!
.

Last edited by Sbrinz; 04.06.2015 at 03:34.
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Old 04.06.2015, 04:57
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Re: Suggestions for supplementary (additional) health insurance

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Private and semi private wards in hospitals are not a part of Visana supplementary insurance. This is quite separate, and they can be insured separately.

Visana supplementary insurance covers ambulance recovery, alternative medicine, fitness programmes etc. It does not cover immunisation for travel abroad, nor for over the counter cough & cold medicines.

So there is no simple answer, each insurance company can cover various risks, as they wish. Unlike basic general cover there are no rules about the levels of supplementary insurance cover.

The daily CHF 15 charge is to cover the food you consume, which you will not be buying while you are in hospital.

I don't think you are correct with your paracetamol statement. For instance Aspriin is not covered by insurance. But when it is covered in sugar and it becomes "Aspirin Cardio 100 mG" then it costs 20 times more, and IS covered...!
.
Considering I was not able to keep any of the food the hospital served me, I think I want a refund on the 15chf per day. It was basically veggies and Aromat.

Paracetamol is covered when it has a "B" label, which usually means dosages of 1g or larger (liver failure sized) packs.
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Old 04.06.2015, 13:02
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Re: Suggestions for supplementary (additional) health insurance

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I don't think you are correct with your paracetamol statement. For instance Aspriin is not covered by insurance. But when it is covered in sugar and it becomes "Aspirin Cardio 100 mG" then it costs 20 times more, and IS covered...!
.
Paracetamol is definitely covered by the basic insurance if prescribed by the doctor even the big standard tablets. It doesn't have to be the fancy coated variety.

I'm not sure what your issue is? The standard tablet size given to adults is 2 x 500mg tablets to be taken as required once every 4 hours and not more than 8 tablets (4g per day). I've never seen paracetamol in less than 500mg per tablet form except for the kids version.
They do also have 1g tablets here but you can always cut them in two or ask for the lower dose tablets if you only want to take 500mg.
Paracetamol here is really no different from anywhere else.

Paracetamol is toxic and can cause liver damage if taken in excess which us why it's important to follow the directions indicated re dosage.
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