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Old 20.05.2015, 15:32
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Moving to Swizerland- health insurance

I am moving to Switzerland in July/August. We will need health insurance for two adults and two children.
Was hoping to have €2500 excess on adults and zero for children toddler and newborn ? Any thoughts on this scenario? Tried some websites however Helsana ( I think) had the most user friendly English website. Any other companies I should price. Price comparison website was in German !!
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Old 20.05.2015, 15:43
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Re: Moving to Swizerland- health insurance

You can use comparis.ch to compare different insurance companies.
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Old 20.05.2015, 16:37
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Re: Moving to Swizerland- health insurance

Play with comparis yes.

The forum is full of health insurance info..
But ballpark numbers, me and wife on 1500 excess, 2 kids on zero excess, good complimentary cover too . Around 800chf


With a 2.5k excess, unless you get knocked down or get a terminal disease, you will simply pay for everything yourself for the year. Very generally speaking of course.
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Old 20.05.2015, 16:53
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Re: Moving to Swizerland- health insurance

The amount you end up paying will depend on the town/ area you live. We now pay just over CHF 700 for 2 adults and 2 kids. The insurance of the kids has a CHF 0 deductible with a good dental plan, mine has a CHF 500 deductible. OH has a slightly higher one.

One good tip I read here on EF, was to get a lower franchise (or deductible) if you are a woman, as we are more likely to visit the doctor (gynae exams, etc.). Another tip was to check what the monthly amount is if you go for CHF 500 and 1000 CHF deductible. In my case, the CHF 500 deductible costed me CHF 20 more per month (than the CHF 1000). So in a year, I was paying CHF 240 more, but it still meant that I only had to pay CHF 500 (plus the usual 10% extra) if I had a claim, so in effect I could potentially save a few hundred francs.

And do call them, rather than do things online. Most companies have English speaking teams, and are quite helpful. That way, you can also get a good picture of what you are "buying".

Good luck
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Old 21.05.2015, 10:54
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Re: Moving to Swizerland- health insurance

Generally the intermediate excesses aren't worth taking. You can try and do the maths yourself, but you should take either the 300 CHF or 2500 CHF franchises.
A basic visit to a GP where you turn up with say flu and get a prescription for aspirin or something similar, i.e. where you spend just a few minutes, is going to cost you 100 CHF roughly. Any more time and more serious exams will increase the cost. So you're going to have to estimate how often you're likely to see the doctor.
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Old 01.06.2015, 23:02
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Re: Moving to Swizerland- health insurance

One thing you have to watch out for is when the doc recommends a prophylactic check up for something. Often nobody is even coming forward the the information if it is paid by the basic insurance or not. Medical staff here seems just to assume you are wiling to pay any amount just to rule out as many issues as possible or they assume you have a luxury insurance that covers almost everything. I can understand why that is when talking to local people in my circle - the idea to go with an HMO that will limit your options for doctors is pure horror for many. People here are highly concerned with all kinds of things that could go wrong and get insurance for this and that and the other.
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Old 01.06.2015, 23:19
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Re: Moving to Swizerland- health insurance

Hi we use visana and so far so good. similar terms to the ones you have mentioned and we are 2 adults (2500 franchise) and 2 kids with zero franchise and 90% covered plus LOTS of alternative therapies (by my request) and dental for the kids for 800 a month. I can give you my insurance woman's email if you like. She has helped us with everything in english (except paperwork which is in either french or german but they are working on english and happily translate) and she helped us negotiate our first claims and if happy to answer rookies questions.
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