Thread: Humira
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Old 04.01.2017, 13:12
Medea Fleecestealer's Avatar
Medea Fleecestealer Medea Fleecestealer is offline
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Re: Humira

I would advise when arranging your Swiss health insurance to go for a lower franchise and accept higher premiums. The franchises range from CHF300 up to CHF2,500 and this is the amount you have to pay first before the insurance kicks in. With a pre-existing condition such as this I'd advise either the 300 or 500 option. That would be all you have to pay before the insurance starts to cover the medical bills. After that you pay 10% of the next 7,000 costs, the insurance covers the rest and if it goes beyond that you pay nothing, the insurance covers it all. These are annual figures so each January would start a new cycle of payments.

Also make sure the insurance company is one where all invoices are sent directly to them - doctors, hospitals, etc - and then they will bill you for what you owe them. Otherwise you could still end up having to pay the invoice first and then sending it to the insurance company to claim back.
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