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  #61  
Old 28.11.2018, 18:48
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Re: Are living standards in Zurich really that high?

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Years didn't have 15 months last time I checked.
400 x 12 = 4800, not 6000 (you are not converting brutto to netto salary here, are you?)

Also, only yourself to "blame" for choosing the lowest deductible and paying the premium for it (cca. 100 CHF increase monthly).
Many people give out 450-500 a month. And at 500 a month its 6000. And thats just for basic insurance. Many have private or other extra insurances. So that could up it to minimum 700 a month.
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  #62  
Old 29.11.2018, 08:33
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Re: Are living standards in Zurich really that high?

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And the CEO of the insurance company. They earn many millions a year
BS, like so much else of what you post.


Not that 600-700k for the highest-paids was little but it's lightyears away from "millions".
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  #63  
Old 29.11.2018, 09:06
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Re: Are living standards in Zurich really that high?

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BS, like so much else of what you post.


Not that 600-700k for the highest-paids was little but it's lightyears away from "millions".
Think again. You post the bullshit! Do some rearch ( if you can )


https://www.watson.ch/wirtschaft/sch...-2-2-millionen
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Old 29.11.2018, 09:08
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Re: Are living standards in Zurich really that high?

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Same insurance. Same deductible. I pay less than 300 a month. 500 seems really higher to me.
I pay over CHF300/month with 2500 deductible, my wife almost 500/month with 300.

Tom
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Old 29.11.2018, 09:32
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Re: Are living standards in Zurich really that high?

Do the maths

https://www.comparis.ch/krankenkassen/default

And the price yaries according to where you live,age,which Model ( Standard etc ),accident or no accident insurance

And the discount. You see that the max you can be earning is very low.

https://www.svazurich.ch/pdf/IPV2018_Hoehe.pdf

Last edited by omtatsat; 29.11.2018 at 09:45.
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  #66  
Old 29.11.2018, 09:50
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Re: Are living standards in Zurich really that high?

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Many people give out 450-500 a month. And at 500 a month its 6000. And thats just for basic insurance. Many have private or other extra insurances. So that could up it to minimum 700 a month.
Many != all.
It's a choice. Of a deductible or/and a model, that was supposed to be clear by now.
You can pay much less, but you choose to pay more, which is a rational decision only if you expect to have enough interventions to actually save some money over the year (max 2000 possible, according to my math).

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I pay over CHF300/month with 2500 deductible, my wife almost 500/month with 300.

Tom
Yes, me too. Which is much lower than 6000/year (actually under 4000).
It gets to "almost 500/month" only with the choice of lowest deductible, which is by now pointless to state.

Key point being: omtatsat's statement of "6000/year for basic insurance for everyone" does not hold.
You have an example of the hypothesis rejection in your own family, I don't get what the groans are for
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  #67  
Old 29.11.2018, 09:56
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Re: Are living standards in Zurich really that high?

Just did. Shows my cheapest at CHF 205 for basic insurance with maximum deductable. CHF 2460 pa. Well under 6K.
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  #68  
Old 29.11.2018, 10:07
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Re: Are living standards in Zurich really that high?

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It's a choice. Of a deductible or a model, that was supposed to be clear by now.
You can pay much less, but you choose to pay more, which is a rational decision only if you expect to have enough interventions to actually save some money over the year (max 2000 possible, according to my math).


Yes, me too. Which is much lower than 6000/year (actually under 4000).
It gets to "almost 500/month" only with the choice of lowest deductible, which is by now pointless to state.

Key point being: omtatsat's statement of "6000/year for basic insurance for everyone" does not hold.
You have an example of the hypothesis rejection in your own family, I don't get what the groans are for
Not everybody can take the 2500 deductible. Depends on your health circumstances. And anything other than Standard model is not to be considered. And if one has to pay insurance with accident insurance included then the price goes up. And some of the insurance companies want 500 a month with 2500 deductible!
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  #69  
Old 29.11.2018, 10:09
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Re: Are living standards in Zurich really that high?

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Just did. Shows my cheapest at CHF 205 for basic insurance with maximum deductable. CHF 2460 pa. Well under 6K.
Until you get hit with a medical bill of 2500 CHF.
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Old 29.11.2018, 10:10
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Re: Are living standards in Zurich really that high?

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And some of the insurance companies want 500 a month with 2500 deductible!
Then don't go to those companies, absolutely nothing forces you to. Simples.

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Until you get hit with a medical bill of 2500 CHF.
Still only 5K.
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  #71  
Old 29.11.2018, 10:35
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Re: Are living standards in Zurich really that high?

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Not everybody can take the 2500 deductible. Depends on your health circumstances.
Start reading with more attention please.
I said:
"You can pay much less, but you choose to pay more, which is a rational decision only if you expect to have enough interventions to actually save some money over the year (max 2000 possible, according to my math)."

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And anything other than Standard model is not to be considered.
For you perhaps. Again - not for everyone, as your statements were claiming.
(Actually not for most, as most are employed and have that coverage through company)

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And if one has to pay insurance with accident insurance included then the price goes up.
Again - for "one", i.e. some, not for everyone, as your statements were claiming.

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And some of the insurance companies want 500 a month with 2500 deductible!
Easy solution - don't go with them.
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  #72  
Old 29.11.2018, 11:44
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Re: Are living standards in Zurich really that high?

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Think again. You post the bullshit! Do some rearch ( if you can )


https://www.watson.ch/wirtschaft/sch...-2-2-millionen
Do you even read what you link?

This is about mandatory insurance. The CEO's pay from that part of the group in earlier years is roughly as stated in the article I linked.
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  #73  
Old 29.11.2018, 15:33
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Re: Are living standards in Zurich really that high?

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Not everybody can take the 2500 deductible. Depends on your health circumstances. And anything other than Standard model is not to be considered. And if one has to pay insurance with accident insurance included then the price goes up. And some of the insurance companies want 500 a month with 2500 deductible!
So go to an EU country, have a low salary, and pay around "50%" of your salary in taxes for a low quality health-care.

Health care in Switzerland IS CHEAP compared to all other countries around it.
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  #74  
Old 29.11.2018, 16:42
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Re: Are living standards in Zurich really that high?

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So go to an EU country, have a low salary, and pay around "50%" of your salary in taxes for a low quality health-care.

Health care in Switzerland IS CHEAP compared to all other countries around it.
Perhaps you don't realise that not all of your taxes go on healthcare.

By any reasonable measure healthcare in Switzerland is expensive - second in the world per capita after the USA. Also one of the highest by % of GDP.
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  #75  
Old 29.11.2018, 18:17
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Re: Are living standards in Zurich really that high?

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Perhaps you don't realise that not all of your taxes go on healthcare.

By any reasonable measure healthcare in Switzerland is expensive - second in the world per capita after the USA. Also one of the highest by % of GDP.
Where else my money need to go?

"You need to pay to play". There is no such things as cheap GOOD quality health care. And the per capita spending in health care is high in Switzerland and the USA because part of it is to fund research, something that is way behind in other countries.
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  #76  
Old 03.12.2018, 16:17
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Re: Are living standards in Zurich really that high?

Ah, insurance, 'tis the season!

I moved here recently. I was expecting trouble but it was worth that I thought. I'm ok with what I found because I like the location (not centric, I just like the area), but 2k+ with no elevator, no AC, no dishwasher, no washing tower, and I can hear the neighbours so clearly they're a second family already. That was after visiting about 30 apartments and applying to about half of them. I think I look good on paper. I don't mind so much that things are expensive/hard to get, but I think I saw three new-ish apartments in total and they all had 25-30 people during the single open viewing and I just don't get it.
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  #77  
Old 03.12.2018, 16:55
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Re: Are living standards in Zurich really that high?

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Where else my money need to go?
Education
Police
Roads
Street lighting
Security
Environmental protection
Aquaducts
etc
etc
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  #78  
Old 03.12.2018, 16:55
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Re: Are living standards in Zurich really that high?

According to the BAG the average costs are 315.00 CHF per month (calculated with premiums for 2019). Also, more than 2 Mio. people get a "Prämienverbilligung" (réduction des primes). According to the BFS, the average Swiss household, spends around 5.9% of the disposable income for health insurance.
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Old 06.02.2019, 10:40
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Re: Are living standards in Zurich really that high?

I would like to get back to the original topic of buildings with no lift

Every time I hear people complaining about it I immediately think to
https://www.youtube.com/watch?v=gzsJsbGLTUY

Happy Wednesday to everybody!
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