My friend is a haemophiliac. He would like to move to Switzerland from the UK where he is a resident national. He would obtain a B permit and get a job. My question is this: will the basic health insurance accept him/pay for his meds. It's a huge outlay every year which the NHS currently cover. What's the deal? The insurance company certainly won't want to take in 200chf premium every month and lay out 5000chf in medication. Do they have to?

Thanks!!

Is this a new species ?

Sorry for your friend, but the name of the thread sounds horrible (I'm a non-native English speaker)..

Maybe this will help, I had to look it up too. http://www.medicalnewstoday.com/info...hemophilia.php

What is Hemophilia? What is Haemophilia?


"Many members of royalty in Europe inherited
their hemophilia from Queen Victoria"
This is a file from Wikimedia Commons
Hemophilia is a group of inherited blood disorders in which the blood does not clot properly.
Hemophilia is the standard international spelling, also known as haemophilia in the UK, other translations include: hémophilie, hemofilie, hemofili, hemofilia, hämophilie, emofilia. We will use the standard international spelling for the purpose of this section.
Bleeding disorders are due to defects in the blood vessels, the coagulation mechanism, or the blood platelets. An affected individual may bleed spontaneously or for longer than a healthy person after injury or surgery.
The blood coagulation mechanism is a process which transforms the blood from a liquid into a solid, and involves several different clotting factors. The mechanism generates fibrin when it is activated, which together with the platelet plug, stops the bleeding.
When coagulation factors are missing or deficient the blood does not clot properly and bleeding continues.

It's people who can't stop bleeding when they get cut or hurt.

I suggest you call up

Sanitas

or

Helsana

I'm not particularly sure, if the concept of Grundversicherung (obligatory KVG) and Zusatzversicherung is fully applicable to the new status of your friend in Switzerland.

The Krankengrundversicherung, KVG must cover by law certain health aspects.

The question is if Haemophilia does belong into this KVG-category.

I have Diabetes & so obviously had this condition when I came to Switzerland. I thought all residents had to have insurance no matter what sort of health they are in.
I have a 500CHF deductible but my monthly premium is certainly more than 200CHF per month (400CHF). I would think your friend would have a higher monthly premium because of the illness.

Shop around...your premium will be high because your 'deductible' is low...and you probably have 'half private' or 'private' cover.

I can highly recommend Jenny - she's on the forum - search for 'insurancejenny' - she will talk through the options and set you up with a competitive quote...

You will pay somewhere between 250-400chf a month for your 'compulsory' cover - consider it 'extra tax'...rolled together our health insurance plus tax plus other 'compulsory' items ends up around 20% of our income.

The big 'plus' is that the health care system is very efficient...I've not had to wait more than 15 minutes for a drop-in service, hospital or specialist appointment...

your friend's monthly insurance premium will depend upon age, gender, kanton and franchise for the compulsory insurance, the model (HMO, telmed, classic) and the company chosen. I don't think that they can exclude him for any chronic condition - and heamophilia is a genetic disorder, so no one can blame it on lifestyle (not that that matters). He'll probably need to choose a low franchise cost.

Where he might have trouble is with any of the supplimental plans. There they can exclude him for preexisting conditions.

Jenny is the best source and her advice is really, really good.

Generally, when pick a franchise (excess), either take the max, or the min, according to your needs.

The basic health insurance is available for everyone, regardless of pre-existing conditions, and you are not required to declare anything. As set in law.

Only for extra cover (semi-private, full-private, extra cover) do you have to fill out forms and declare any existing conditions

But I think basic cover in Switzerland is similar to full private care in the UK

Thankyou FriendlyKiwi! I cannot find this insurancejenny - I tried searching the forum but still can't find her. Anyone got the link?

Thanks!

No, actually you don't. Only for the dental insurance you do have to fill out forms with pre-existing conditions..
more
http://www.ch.ch/private/00045/00047/index.html?lang=en

Oh dear. Community>Member List>Search Members>Jenny>GO
And they say that Old Age Pensioners are computer illiterate

Oi! Firstly, I may be an OAP...secondly someone said "insurancejenny" so that's what I searched for. Don't be nasty, it's a Sunday!

I assure you that that's not being nasty! I suppose I was just getting my own back for the many times people (not on here I hasten to add) have shaken their head at my lack of knowledge of the internet and computers in general. I gave you the Info you wanted. What more can you ask of a grey-haired old lady?

The basic health cover is available, at normal terms, irrespective of pre-existing conditions. It’s certainly not unusual for an company to have to take on a clients whose claims exceed their premium.

For supplementary insurance you would have to answer questions about your health. See this.

Jenny can be found here.