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Old 20.09.2015, 15:58
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Is there a catch? Basic vs. Telmed...

Hello,... as we are fighting choices and decisions.... I am not sure about two things hiring health insurance:

1. Basic/Standard vs Telmed. As I understand the only difference between Basic and Telmed is that with Telmed, one needs to call before going to an appointment and
a) one can end up going to the doctor of choice even if the company doesn't mention it
b) only needs to ring once for the same condition (I guess for pregnancy once calls once also instead of every time that needs to go to the doctor/midwife?
c) all the rest seems to be the same...

so, is there a "catch" that I should know if I go with the Telmed option?...

2. Is it true that the premium (300 0r 2500) doesn't matter when you are pregnant and therefore is better to chose the highest 2500 in order to get lower rate to pay? And if so, what would happen if the pregnant person (I) breaks a leg or gets a cold or anything relatively unrelated to the pregnancy? would it be covered?

3. And any opinions on Aquilana and Sanitas ? Are they as good as Comparis show? I have read that some companies pay to get higher rankings on comparis...

Most likely these questions are possible a bit basic, special for those who have been living here long, but I am still a bit puzzled and possess by all the possibilities to chose and to chose well.

Thanks a lot forum family!
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Old 20.09.2015, 16:14
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Re: Is there a catch? Basic vs. Telmed...

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3. And any opinions on Aquilana and Sanitas ? Are they as good as Comparis show? I have read that some companies pay to get higher rankings on comparis...
I have been insured at Aquilana (basic insurance) for many years and I never had problems with them. Some years ago I needed some medication that was not officially approved yet for that type of condition and Aquilana agreed to pay for it within days.
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Old 20.09.2015, 16:19
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Re: Is there a catch? Basic vs. Telmed...

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I have been insured at Aquilana (basic insurance) for many years and I never had problems with them. Some years ago I needed some medication that was not officially approved yet for that type of condition and Aquilana agreed to pay for it within days.
Thank you for your reply, that is awesome and shows they care somehow ... and, Mark75, can I ask if you chose the Telmed or the basic insurance? and if they speak english? (at least for the first year we would need that)


If there is someone else about the other doubts, we will be obliged

Thanks Mark75! very helpful!
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Old 20.09.2015, 16:26
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Re: Is there a catch? Basic vs. Telmed...

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Thank you for your reply, that is awesome and shows they care somehow ... and, Mark75, can I ask if you chose the Telmed or the basic insurance? and if they speak english? (at least for the first year we would need that)
Are you sure that Aquilana offers the Telmed option? I can only find basic insurance and the CASAMED option on their website.

I have regular basic insurance.
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Old 20.09.2015, 16:27
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Re: Is there a catch? Basic vs. Telmed...

A broken leg would be covered by accident insurance irrespective of whether you are pregnant or not.
Can't help with the rest as I have no experience of Either the companies you mention or the insurance models you've selected.
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Old 20.09.2015, 16:29
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Re: Is there a catch? Basic vs. Telmed...

I can't help with the question of Telmed or not, but here are some links that talk about pregnancy and insurance. There might be some answers to your questions in these, and maybe some questions you've not yet thought about.

Needing quick Insurance (I found out I am pregnant :) and we are new in town)

Another pregnancy/insurance question (yes, I searched)

question on insurance and pregnancy

health insurance - pregnant before becoming a resident

Changes to insurance coverage during pregnancy (effective from 1st March 2014)

Pregnancy (Gestational) Diabetes & New Regulation

Pregnancy and insurance?

Basic health insurance and medicine coverage in pregnancy
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Old 20.09.2015, 16:32
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Re: Is there a catch? Basic vs. Telmed...

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Thank you for your reply, that is awesome and shows they care somehow ... and, Mark75, can I ask if you chose the Telmed or the basic insurance? and if they speak english? (at least for the first year we would need that)
Sorry, I don't know if they speak English as I speak fluent Swiss German.
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Old 20.09.2015, 16:32
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Re: Is there a catch? Basic vs. Telmed...

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Are you sure that Aquilana offers the Telmed option? I can only find basic insurance and the CASAMED option on their website.

I have regular basic insurance.
Hi Mark75, you might be right, I might have assumed they had the telmed, I def saw saints having the two options, but not Aquilana. Thank you for the info. I will double check!
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Old 20.09.2015, 16:33
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Re: Is there a catch? Basic vs. Telmed...

The problem with Telmed is you would often have a different doctor every time you have a new illness, so who will be keeping an overview?

If you choose the HMO option, you agree to always go to the same doctor for the first consultation. Then he either cures you, or transfers you to a specialist if necessary, and from the medical records he can see any conflicting problems.

Visana is an excellent company, I have been with them since 1989 and see no reason to change, they are expensive, but with the HMO option they are very competitively priced.
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Old 20.09.2015, 16:34
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Re: Is there a catch? Basic vs. Telmed...

HI 3Wishes, thank you for the links, I will check all of them,.. but I have been reading, researching and trying to understand for few weeks ...and still got those doubts and decisions to understand... I will look at all the links you provided ! Thanks

And still....if anybody else has some more comments, it will be most than welcomed (and needed!) thanks
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Old 20.09.2015, 16:35
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Re: Is there a catch? Basic vs. Telmed...

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A broken leg would be covered by accident insurance irrespective of whether you are pregnant or not.
Can't help with the rest as I have no experience of Either the companies you mention or the insurance models you've selected.
HI Belgianmum! Thanks for the input!

but it will be covered as per the chosen premium, I guess, correct?

Thanks a lot!
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Old 20.09.2015, 16:39
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Re: Is there a catch? Basic vs. Telmed...

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The problem with Telmed is you would often have a different doctor every time you have a new illness, so who will be keeping an overview?

If you choose the HMO option, you agree to always go to the same doctor for the first consultation. Then he either cures you, or transfers you to a specialist if necessary, and from the medical records he can see any conflicting problems.
Umh! Sbrinz! that is super good to learn! uff! thanks. Great point!

Here some questions:

1. isn't it that with telmed regardless of calling I can end up going to the doctor of my choice?
1.1. and if emergency, how does one call if has no time?? (silly question...but I guess...)

With HMO I wouldn't dare until I get to know some doctors, so i thought perhaps telmed and basic/standard where the best:

1. Would with basic/standard be possible for us to go always to the same doctor?

we would like to make sure that I will be easily covered during my pregnancy -which is high risk...

Thank you again!
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Old 20.09.2015, 16:41
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Re: Is there a catch? Basic vs. Telmed...

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HI Belgianmum! Thanks for the input!

but it will be covered as per the chosen premium, I guess, correct?

Thanks a lot!
Yes it will be covered according to the franchise you choose for your health insurance if you are not working. If you are employed then you are covered by the employer's accident insurance and in that case you are usually covered for all the costs with no co-pay or franchise.
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Old 20.09.2015, 17:07
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Re: Is there a catch? Basic vs. Telmed...

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The problem with Telmed is you would often have a different doctor every time you have a new illness, so who will be keeping an overview?

If you choose the HMO option, you agree to always go to the same doctor for the first consultation. Then he either cures you, or transfers you to a specialist if necessary, and from the medical records he can see any conflicting problems.

Visana is an excellent company, I have been with them since 1989 and see no reason to change, they are expensive, but with the HMO option they are very competitively priced.

This is incorrect. I've had Telmed for 8 years. I call to announce appointments I've made with my existing physicians. I can also call for medical advice, if needed. That's the only time I've talked to physicians at the call center. There is a variant of Telmed where the advice is binding - it's a far less expensive option. There you might get different doctors.....but everything is recorded in the system. An HMO can also have you see different doctors.

Can't help with pregnancy. I was treated for breast cancer a few years ago and the telmed option was quite easy to deal with.
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