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-   -   Corona virus test fee, with deductibles, no income (https://www.englishforum.ch/family-matters-health/297157-corona-virus-test-fee-deductibles-no-income.html)

bobob 11.03.2020 12:39

Corona virus test fee, with deductibles, no income
 
Hi
I just lost my job, and waiting to see if I qualify for benefits as < 12 months here. Is the full 280chf payable as I’m on a low monthly health premium with high deductibles.

Since this is a public health issue, isn’t this a disincentive for people not to test?

Thanks

roegner 11.03.2020 12:47

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by bobob (Post 3156985)
Hi
I just lost my job, and waiting to see if I qualify for benefits as < 12 months here. Is the full 280chf payable as Iím on a low monthly health premium with high deductibles.

Thanks


Probably yes, check with your GP?

miniMia 11.03.2020 12:57

Re: Corona virus test fee, with deductibles, no income
 
Insurance will reimburse 180F.

But testing will be limited. So unless you are high risk or sick itís unlikely you will be tested.

Guest 11.03.2020 12:57

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by bobob (Post 3156985)
Since this is a public health issue, isnít this a disincentive for people not to test?

Law/Rulings say that the kantons have to pay, but government took on a new ruling that health insurances have to pay (they among each other are still debating this, but that does not help you now), so normal deductibles and the 10% up to 700,- rule apply.

Guest 11.03.2020 13:02

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by miniMia (Post 3156995)
Insurance will reimburse 180F.

Only if you already used your deductible.

bobob 11.03.2020 13:16

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Only if you already used your deductible.
Sounds like a flaw in the system, I donít know the stats but poorer people with low premiums, high deductibles wonít want to test.

Maybe they could charge the actual cost instead of the gratuitously high one offered?

Guest 11.03.2020 13:19

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by bobob (Post 3157010)
Sounds like a flaw in the system, I don’t know the stats but poorer people with low premiums, high deductibles won’t want to test.

Maybe they could charge the actual cost instead of the gratuitously high one offered?

People who only have mild symptoms will not be tested anymore anyway, if more severe cases do not want to be tested that is fine by me, as long as they choose to not leave the house for some weeks no matter what.

And actual cost? You mean your doctors have to become volunteers instead of people who want to be paid for all their years in college?

bobob 11.03.2020 13:43

Re: Corona virus test fee, with deductibles, no income
 
Quote:

People who only have mild symptoms will not be tested anymore anyway, if more severe cases do not want to be tested that is fine by me, as long as they choose to not leave the house for some weeks no matter what.

And actual cost? You mean your doctors have to become volunteers instead of people who want to be paid for all their years in college?
The test costs 10 Ä in Germany, companies are cashing in on this, noones asking for a free service.

Chuff 11.03.2020 13:46

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by bobob (Post 3157020)
The test costs 10 Ä in Germany

Source for that please?

Guest 11.03.2020 13:51

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by bobob (Post 3157020)
The test costs 10 € in Germany, companies are cashing in on this, noones asking for a free service.

Order them there and ask your lab to use that one, but take this in consideration:

1. Labs/hospitals have default prices for time / test types.
2. German companies are without special governmental allowance not allowed to export. If we already have troubles getting our in China bought gloves, imagine how hard it be to retrieve German made corona tests.
3. Who knows what they paid for the tests they currently use?

Guest 11.03.2020 13:51

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by Chuff (Post 3157021)
Source for that please?

This one I guess: https://www.businessinsider.de/wirts...rkauft-2020-3/

bobob 11.03.2020 14:55

Re: Corona virus test fee, with deductibles, no income
 
i Just think itís a potential national crisis if many get infected and a large percentage wonít want to line health company pockets by this charge and donít get a test.

bowlie 11.03.2020 15:48

Re: Corona virus test fee, with deductibles, no income
 
Angela Merkel has been quoted* saying that 60-70% of the German population will get the virus and that the vast majority will survive. The same is very likely here.

Why get tested if you are self-quaranteed?

If you get seriously ill, I'm certain you will be tested.

*On the BBC

John_H 11.03.2020 15:56

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by bobob (Post 3157070)
i Just think itís a potential national crisis if many get infected and a large percentage wonít want to line health company pockets by this charge and donít get a test.

Whilst i get the sentiment here .. i disagree with the outcome..

If i come down with fever, cough, sneezes etc I'll just stay home for a couple of weeks..No intention demanding a test, it's pointless, just a statistic. Granted those statistics may be useful but won't help me.

Where we/people might have a problem is when people can't afford treatment.. Couple of weeks on a ventilator will bust your franchise for sure..

But testing, forget it.. CH is not testing people with symptoms any more.

Guest 11.03.2020 19:40

Re: Corona virus test fee, with deductibles, no income
 
Urgent question everyone:

I arrived a bit (within three months) ago but I am still in the process of setting up my health insurance. Iíve filled in and sent off the forms etc, but Iím still waiting for my letter back from the health insurance company confirming the insurance. I supplied the honest date when I arrived in the country and am due to be charged from that date.

Weíve now had multiple cases of coronavirus in my office and Iím worried Iím infected as Iím labouring for breath a bit.

If I need treatment am I covered? My thoughts were that I am given they have to take me and my payments are backdated to the date of my arrival.

slammer 11.03.2020 19:44

Re: Corona virus test fee, with deductibles, no income
 
Ok, so the WHO has just called a Pandemic.
Now it starts to get interesting.

Guest 11.03.2020 19:45

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by jorido (Post 3157178)
My thoughts were that I am given they have to take me and my payments are backdated to the date of my arrival.

That is correct.

Guest 11.03.2020 19:47

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by slammer (Post 3157180)
Ok, so the WHO has just called a Pandemic.
Now it starts to get interesting.

No matter what they call it, the numbers speak for themselves, rapid growth in a lot of countries, we missed the chance for containment completely, all we can do now is try to slow it down so the hospital get less overflowing.

Guest 11.03.2020 19:48

Re: Corona virus test fee, with deductibles, no income
 
Quote:

That is correct.
Thanks! Youíve stopped a bit of a panic about costs. Now I can move on worrying about the disease itself :p

Jaceq 11.03.2020 19:48

Re: Corona virus test fee, with deductibles, no income
 
Quote:

Originally Posted by jorido (Post 3157178)
Urgent question everyone:

I arrived a bit (within three months) ago but I am still in the process of setting up my health insurance. Iíve filled in and sent off the forms etc, but Iím still waiting for my letter back from the health insurance company confirming the insurance. I supplied the honest date when I arrived in the country and am due to be charged from that date.

Weíve now had multiple cases of coronavirus in my office and Iím worried Iím infected as Iím labouring for breath a bit.

If I need treatment am I covered? My thoughts were that I am given they have to take me and my payments are backdated to the date of my arrival.

Yes you are - don't worry (at least about that part)


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