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Old 28.07.2011, 18:33
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Prescription Vs Insurance

can someone please clarify why sometimes few of the medicines prescribed by the doc does not get covered under insurance.

thanks
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Old 28.07.2011, 19:17
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Re: Prescription Vs Insurance

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can someone please clarify why sometimes few of the medicines prescribed by the doc does not get covered under insurance.

thanks
You have a franchise?
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Old 28.07.2011, 19:22
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Re: Prescription Vs Insurance

Been there, done that...

The insurance companies have a 'list' of medicines they are obliged to cover... anything not on that list is not covered. Sadly, the doctors do not always think to warn you if they are prescribing something that is not on the list, and nor do pharmacies. I now ask before I buy, just to make sure.

The contraceptive pill is not covered, and neither are more 'herbal' remedies (my doctor has a thing about sage extract, for example... that isn't covered). And some pain killers, anti inflamatories etc. There are probably more, but those are the ones I know of.
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Old 28.07.2011, 19:26
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Re: Prescription Vs Insurance

thankyou vhl22. it was a painkiller that was prescribed for my daughter .
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Old 28.07.2011, 19:44
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Re: Prescription Vs Insurance

There is the government approved list of medicines and treatments covered by the basic standard compulsory insurance policies. This list changes all the time, search http://www.swissmedic.ch/ (I haven't looked for it yet, but it must be there somewhere! I know a scientist that used to work there).

With the extra supplementary health insurance cover there is also a supplementary list of approved medicines and treatments which the insurance companies reimburse.

Finally there are sometimes extra health insurance policies (Visana has one) which cover alternative medicines and treatments, which alas don't run to bats' blood and toad skins.

For instance the low priced drug Chlorochin (Sfr 22.15 for 100 tablets) is not covered by basic insurance but by the supplementary insurance http://en.wikipedia.org/wiki/Chloroquine similarly I think Reflexology is not covered by basic insurance.

.
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Old 28.07.2011, 19:45
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Re: Prescription Vs Insurance

The list of medicines covered by the basic insurance (Liste des spécialités in French) can be found here.
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Old 28.07.2011, 19:47
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Re: Prescription Vs Insurance

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thankyou vhl22. it was a painkiller that was prescribed for my daughter .
Your doctor can tell you when writing the prescription if it is covered or not covered by basic insurance. There are usually cheaper alternatives which are covered. The pharmacy can also advise you, and change to a cheaper version if you ask.
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Old 02.08.2011, 00:00
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Re: Prescription Vs Insurance

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can someone please clarify why sometimes few of the medicines prescribed by the doc does not get covered under insurance.

thanks
Your best bet is to find a Dr you get on well with - they will guide you through the system.

Another 'flaw' in the plan is that often an insurance company will cover the cost of a certain item up to a set amount (e.g. blood sugar test strips of a particular brand are covered up the CHF81 on my insurance) but your Dr 'sells' them to you for more. But the Dr can also direct you to a local pharmacy who will sell them to you at the covered cost.
This exact scenario happened to me just last week.
Good luck working it all out
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Old 02.08.2011, 23:41
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Re: Prescription Vs Insurance

Hi. I do not know the answer to this but you might want to try buying non-prescription drugs in Germany or France. It might be considerably cheaper than in Switzerland.
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