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  #21  
Old 02.12.2016, 12:36
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Re: when to claim your medical expenses?

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Utter rubbish my dear !

Doctors and hospitals can and do send bills directly to Assura, who, if you haven't reached your franchise then re-invoice you, copy conform.
Not utter rubish my friend.
Assura is for doctors stuff (but not stationary hospital treatment) and pharmacy matter tiers garant only.
http://allcare.ch/downloads/general_...chnen_kann.pdf

Means the patient has to pay first and is also liable for the bill. (KVG Art. 42)
https://www.admin.ch/opc/de/classifi...index.html#a42

As you can see there is no switch from tiers garant to tiers payant in the Assura terms and conditions.
http://de.assura.ch/assurance/produc...ngen-kvg_1.pdf
http://de.assura.ch/assurance/produc...sis_2015_d.pdf

Call yourself lucky when Assura switches to tiers payant. By law and Assura's conditions they have no obligations to do so.
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  #22  
Old Yesterday, 17:14
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Re: when to claim your medical expenses?

I did discuss this with my pharmacist once. Assura tries to oblige patients to pay all bills upfront and then claim the money back. You will appreciate that from a cash-flow perspective Assura wins out. However if you insist, Assura is apparently legally obliged to be "tiers-payant" and you can ask for bills to be sent directly to them. Note that many doctors will only work on a "tiers-garant" basis in any case, irrespective of the insurer.
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  #23  
Old Yesterday, 20:53
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Re: when to claim your medical expenses?

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I did discuss this with my pharmacist once. Assura tries to oblige patients to pay all bills upfront and then claim the money back. You will appreciate that from a cash-flow perspective Assura wins out. However if you insist, Assura is apparently legally obliged to be "tiers-payant" and you can ask for bills to be sent directly to them. Note that many doctors will only work on a "tiers-garant" basis in any case, irrespective of the insurer.
Why do many doctors only work on a "tiers-garant" basis? If the patient were to not pay the bill,would these doctors then be forced to submit the bill directly to the medical aid? Or would they try and force the patient to pay upfront?
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Old Yesterday, 22:24
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Re: when to claim your medical expenses?

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Why do many doctors only work on a "tiers-garant" basis? If the patient were to not pay the bill,would these doctors then be forced to submit the bill directly to the medical aid? Or would they try and force the patient to pay upfront?
I was on social aid in Switzerland for almost 7 years. Most of the time, if I was sent to a new doctor who had not treated me before I explained my situation to the doctor / receptionist and asked if it was possible to have the bills sent straight to Assura. I never had a problem with this.

For two years I lived in supported accomodation and only got chf 300 pocket money a month. I had to submit all medical bills to the organisation that paid all my expenses, who would then give the staff in the accomodation the funds for me to pay the bill. Sometimes this process would take some time and I'd have to pay a bill late. I would go into the doctors and explain, and again I never had an issue.

I think most doctors are willing to be flexible. After all, they would rather wait a little longer and be paid than not be paid.
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