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  #41  
Old 30.11.2011, 09:30
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Re: Miffed About Health Care Finance

I also a few years back broke my arm falling of a bike on a weekend doing something unrelated to work.

My work insurance paid without question.
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  #42  
Old 30.11.2011, 12:17
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Re: Miffed About Health Care Finance

It's as easy as 1-2-3

1 - Pay the bill
2 - Send a copy to the insurance company
3 - Get the refund (if you have already reached your agreed franchise this year)

They always look at it over a year. So it is important that you send them all the invoices that you've paid for, including those that don't reach the franchise amount. They may accumulate over the year and help you reach this year's franchise (you are losing money if you don't send them in).

If you buy something with your card, or if a doctor bills something directly to your insurance company, they will bill it back to you until you reach this years franchise. Always use your card in pharmacies, or the amounts are lost !

After you've reached this years franchise, everything else will be free to you.

Lower franchise = higher monthly payments
Higher franchise = lower monthly payments

Hard for me to explain this in English, but I hope this helps, Tom
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  #43  
Old 30.11.2011, 13:03
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Re: Miffed About Health Care Finance

If you are self employed - you must make sure you are covered for both illness AND accidents - 2 separate insurances.

If you are employed, then you have to make sure that you pay the extra premium to cover non work related accidents, be it skiing, falling over, or whatever.

Just don't get your point. An accident is NOT an illness! And the employer will never pay for an accident- the Insurance will. However if it is a non work related accident, and you have not paid your premium to cover this - nobody will pay. If you have an accident and do not have specific accident insurance, it won't be covered. Simples.
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  #44  
Old 30.11.2011, 14:26
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Re: Miffed About Health Care Finance

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If you are employed, then you have to make sure that you pay the extra premium to cover non work related accidents, be it skiing, falling over, or whatever.
I have never heard of that as being optional, always required and automatic.

Tom
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  #45  
Old 30.11.2011, 14:45
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I have never heard of that as being optional, always required and automatic.

Tom
Yes, that is what I thought too.
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  #46  
Old 18.01.2012, 14:30
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Re: Miffed About Health Care Finance

We are hoping to move to Basel soon so thanks for nrecommending a company. Ritz.
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  #47  
Old 18.01.2012, 16:21
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Re: Miffed About Health Care Finance

Keinfranzösisch,

what was your "franchise"? i made the mistake it sounds like you made last year: both my wife and i had about a 1000CHF deductible. i was just thinking about monthlies, which was stupid.

now, my wife went to the dr. on a near monthly basis for regular visits and what not, and those were around 220 a visit. So it wasnt until october before the insurance covered ANYTHING. I went to the dr. 1ce last year so i paid everything out of pocket.

this year, i lowered the deductibles down to 300 for us both, and since we're using the system this year for stuff, itll pay for itself by the end of january. This means, after january basically, 80% of everything will be paid. so instead of having 220 a month in wife billz ill have 40ish.

i think its better to get ganked at the monthlys and have a low franchise than lower monthlys and pay a higher out of pokcet. my .02rappen
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  #48  
Old 18.01.2012, 17:57
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Re: Miffed About Health Care Finance

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If you are employed, then you have to make sure that you pay the extra premium to cover non work related accidents, be it skiing, falling over, or whatever.
Woah...

I think OH has messed up then.

He has accident coverage through his employer - and when we took out personal insurance the agent (assuming we understood correctly - this was years ago) said he did not need additional accident coverage, as the company one would cover all accidents, work related or not.

Aaarrrggg - all these years on, and I still don't think I understand how the system works!
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  #49  
Old 18.01.2012, 20:01
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Re: Miffed About Health Care Finance

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Woah...

I think OH has messed up then.

He has accident coverage through his employer - and when we took out personal insurance the agent (assuming we understood correctly - this was years ago) said he did not need additional accident coverage, as the company one would cover all accidents, work related or not.

Aaarrrggg - all these years on, and I still don't think I understand how the system works!
Nope, I disagree with Odile here. Usually, the employer's accident insurance (mainly SUVA) pays for both work-related and "private" accidents, as well as work-related illnesses (this does not apply to some people working part-time).
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  #50  
Old 18.01.2012, 20:16
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Re: Miffed About Health Care Finance

Often, yes, but not necessarily. So it is essential you make absolutely sure you know EXACTLY what you are covered for, just in case. The extra premium is relatively very small.

If you are self employed though - both health and accident have to be taken separately.
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  #51  
Old 18.01.2012, 20:23
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Re: Miffed About Health Care Finance

If you work 8 hours a week for the same company it is a legal requirement that your employer insures you for non work accidents & may deduct half of the premium from your pay.

It's fairly expensive as it includes insurance for loss of earnings so don't be surprised if it costs you 1.5% of your salary.
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