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Old 22.10.2015, 12:39
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Supplementary Health Insurance Premiums

If I were to buy supplementary insurance e.g. private cover now, does that then lock in my premium (save for any inflationary or regulatory changes) in the same way that it would with a life insurance (or critical illness, income protection etc) premium or will it just continue to increase with age.

E.g. it might cost around CHF 90 for me now, but putting my age back 20 years increases it to well closer to CHF 250. If I buy now, will my insurance in 20 years time be CHF +/-90 or will it have increased with my age to CHF +/- 250?
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Old 22.10.2015, 13:04
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Re: Supplementary Health Insurance Premiums

Maybe you should find out more about supplementary insurance? It has little to do directly with health, & more to do with extra treatments and ambulance costs.

The level of premiums do change when comparing company with company, as the levels of cover and premiums are not set by the government. Generally the premium levels do not increase much above inflation after 20 years. BUT when you are over 40 years of age it becomes very difficult to find a company that will take you, so you cannot change companies.
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Old 22.10.2015, 13:42
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Re: Supplementary Health Insurance Premiums

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BUT when you are over 40 years of age it becomes very difficult to find a company that will take you, so you cannot change companies.
My 5 Rp:

If you think you will be in Switzerland post age 40, take out supplementary now if you can qualify. Given your location, if the likelihood is that you might end up in the local hospitals you really would be better served with half private or private hospitalization.

Cost is irrelevant if it means that you are can then be treated by a senior doctor.
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Old 22.10.2015, 14:12
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Re: Supplementary Health Insurance Premiums

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Maybe you should find out more about supplementary insurance? It has little to do directly with health, & more to do with extra treatments and ambulance costs.
Maybe I should have been more explicit. I am specifically talking about private cover. I have supplementary cover already, which I have to have to get an employer contribution.


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My 5 Rp:

If you think you will be in Switzerland post age 40, take out supplementary now if you can qualify. Given your location, if the likelihood is that you might end up in the local hospitals you really would be better served with half private or private hospitalization.

Cost is irrelevant if it means that you are can then be treated by a senior doctor.
What is the issue with the Schwyz hospitals? I already have general ward access to all Swiss public hospitals, though I don't have choice of doctor, which is one of the key things I'm looking at.

I attend to be here at 40 (currently 35). When I made myself 5 years older in the premium calculator, it just made the premium go up CHF 10 a month. Are you saying that they don't use price as a dissuader, but rather when you apply they just say no. AFAIK I don't have any health issues.
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Old 22.10.2015, 14:21
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Re: Supplementary Health Insurance Premiums

To have one's case handled by an Oberarzt generally means that one needs semi private insurance, to be treated by a Chefarzt one needs private.

My experience was that the seniority of doctor depending on level of insurance was enforced.

However - I know that several EFers have posted that this is not the case at other hospitals in other cantons.

I only have basic insurance, don't qualify for supplemental, so I don't know if price rises with age.

But based on my experience, I would happily pay even a rising premium if it meant that I had access to a more experienced doctor.
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Old 22.10.2015, 14:24
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Re: Supplementary Health Insurance Premiums

Non-obligatory insurance may be declined arbitrarily.
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Old 22.10.2015, 17:50
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Re: Supplementary Health Insurance Premiums

Some insurers change their premiums five years, other do it annually, but only depending on costs (Abschlussalter or Lebensalter). Better to start early, as you probably (hopefully) are healthier now than in 10 years time :-)
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