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Old 17.01.2021, 14:40
ennui ennui is offline
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Re: Should I get supplementary insurance?

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Thanks for sharing your experiences!

The only thing that sounds significant to me is the free choice of specialists. Can I throw money at it ad-hoc?

The rest of the benefits sound like they are more a convenience thing that can be solved by paying a one-time sum for the wanted benefit instead of the monthly premiums. Am I wrong?

I don't understand what's the benefit of funneling part of the money for a gym membership through the health insurer. I guess it's just a way for them to motivate you to stay healthy (go to the gym -> pay lower premiums)?
Actually, Ive not had a problem finding a specialist for the most part - my gyn, oncologist and knee surgeon were all my own choice. I did talk to a knee surgeon who could not do my surgery in a private hospital. I guess I could have paid for it on my own.

Also, if you live in Zurich or Bern, for example, you might have more choice of doctors whether you have supplimental or not.

One thing to realize is that the basic insurance generates no profit for insurance companies. Where they make their money is on supplemental, so there is some profit motive. But, going forward, I suppose if health care becomes terribly expensive it is possible that the system will turn into a two tier system, where people with supplemental get marginally better care. But, I dont see that happening for a while because I think it goes against the basic idea of Swiss health care. Dont know.....
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