Never used Swiss healthcare before.

Had to go to an emergency appointment in HUG, they also scheduled follow-up appointment in 2 weeks.

Realized that my excess is 2500 CHF, so I'd probably need to pay for everything.

Any idea what bills to expect? They haven't told me anything so far.

My first trip to an emergency room with some blood tests and other things cost me in excess of 2,000CHF although they did a lot of uneccessary tests. I should have gone to Medix Toujours/Permanence and it probably would have been 200CHF.


I say "trip" but I walked there. I had a trip in an ambulance on another occasion and it was 1000CHF with only half covered by basic insurance.


You'll just have to wait and see. Your follow-up visits will likely be expensive too.


I hope it's nothing serious.

What costs to expect will depend on what was done. If you are comfortable sharing that info, someone will probably be able to give you a rough idea of what to expect.

Worst case, the max you'd pay in a year is your 2500 franchise plus the self-pay of 700 (10% of 7K) so 3200.

(An optimistic data point: ER visit when my husband thought he was having a heart attack: CHF 800. A veritable bargain considering the circumstances.)

Here's hoping your visit will turn out to be less than the max, but without knowing what was done we can't say.

And of course, here's hoping for a good outcome from the follow-up appointment, and that you feel better soon.

You could also just phone there, and ask them what your bill is, so far. The admin department will very likely be able to tell you that part, already, even if not any prediction for the future.

And: hope you're soon well.

If they visited you and ran blood tests only, then below 500.

If it turns out you have a chronic condition, something that will need treatment over some years you are best to opt for the lowest available 'excess' or franchise.

Check your policy as I believe the deadline for changing is the end of November. Your premiums will go up, but overall you will be better off financially.