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Old 27.09.2016, 19:19
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Insurance Deductible for Non-Accident Hospitalisation

How will my insurance cover my expenses if I end up in the hospital e.g. because of an appendicitis or a heart attack? Is it the same as seeing a doctor (illness) and counted until I reach my deductible? or similar to accident insurance with full compensation of expenses?
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Old 27.09.2016, 19:22
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Re: Insurance Deductible for Non-Accident Hospitalisation

Deductible.

Tom
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Old 27.09.2016, 19:27
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Re: Insurance Deductible for Non-Accident Hospitalisation

And co-pay. (CHF 700 per year)

Here in English from the Swiss Federal Office of Public Health FOPH:
http://www.bag.admin.ch/themen/krank...x.html?lang=en
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Old 27.09.2016, 19:54
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Re: Insurance Deductible for Non-Accident Hospitalisation

If you're going to need an ambulance for that appendicite, be ready also to cough up half a grand or more for the ride because insurance covers only half of its cost
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Old 27.09.2016, 21:25
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Re: Insurance Deductible for Non-Accident Hospitalisation

Does it imply that there is no deductible for accidents?
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Old 27.09.2016, 21:49
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Re: Insurance Deductible for Non-Accident Hospitalisation

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Does it imply that there is no deductible for accidents?
If you are employed and have the employers accident insurance then there is no deductible for accidents. If you have accident insurance via your normal health insurance ( non working adults, working less tha 8 hours per week or children) then the normal deductible also applies for accidents.
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Old 27.09.2016, 22:38
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Re: Insurance Deductible for Non-Accident Hospitalisation

If you are hospitalised you will also have to pay a fee of (if I remember correctly) CHF 15 per day which is not covered by health insurance. This will be included in the bill that the hospital send to your health insurance and your health insurance will then bill you.

I can't remember what it's called and I've left Switzerland and haven't got my health insurance conditions anymore, but if you check the small print you will find that detail...

The reasoning for this fee (or so I was told by Assura) is that this covers the cost of food and other amenities.
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Old 27.09.2016, 23:13
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Re: Insurance Deductible for Non-Accident Hospitalisation

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If you are hospitalised you will also have to pay a fee of (if I remember correctly) CHF 15 per day which is not covered by health insurance. This will be included in the bill that the hospital send to your health insurance and your health insurance will then bill you.

I can't remember what it's called and I've left Switzerland and haven't got my health insurance conditions anymore, but if you check the small print you will find that detail...

The reasoning for this fee (or so I was told by Assura) is that this covers the cost of food and other amenities.
I've been in hospital four times so far under swiss non-accident insurance and have not once paid such a fee.
Possibly because at the time I had semi-private cover, but my insurance covered everything (so no franchise was applied) once I'd been admitted as a in-patient rather than an out-patient.

OP, check with your insurance company, it's quite possible this varies slightly depending on the company/level of cover.
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