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  #21  
Old 29.04.2021, 22:03
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Re: insurance

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Does family insurance exist, as a product, in the Swiss system? I'd always thought each person was insured individually.
No but some insurances have family discounts of the whole family is insured with them etc
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Old 29.04.2021, 22:59
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Re: Health insurance for a newborn?!?

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I understand. But is it necessary to have the dental and orthodontic treatments added already when the child is born? Or can we change this for example when the child is a couple of years older? This is where we are stuck.
This probably varies depending on the insurance company. All dental insurance is optional, therefore itís not mandatory for the company to follow given rules (like there often are for basic insurance). Ours would have demanded a dental exam after the age of three (and presumably refused it if there had been any discernible major problems by then), so we got it before. Best to ask.
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Old 30.04.2021, 06:58
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Re: Health insurance for a newborn?!?

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This probably varies depending on the insurance company. All dental insurance is optional, therefore itís not mandatory for the company to follow given rules (like there often are for basic insurance). Ours would have demanded a dental exam after the age of three (and presumably refused it if there had been any discernible major problems by then), so we got it before. Best to ask.
My advice is get the dental and supplementary from birth. you pay a reduced amount until they are 3 or 4 or something anyway. If you leave it until they are older you may find you've missed the cut and you cant get dental treatment coverage. Its not meant to sound panicky or pressured but we've got all our three with helsana and honestly it wasnt much for the additional bits on top we didnt do the legal thing but the dental we got. Its worth it.
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Old 30.04.2021, 16:22
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Re: Health insurance for a newborn?!?

Someone mentioned that likelihood of children needing orthodontic treatment is about 50%.

Well I have 2 kids, one needs it and first estimate was around 8k, and now at the end of it looks more like 10k. So I hope that helps you with the math...
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Old 30.04.2021, 21:48
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Re: Health insurance for a newborn?!?

There was another thread about dental.for kids with many saying Groups Mutuel is one of the best (I agree also) for premium Vs payout so check it out. Can have dental only with them (we are transitioning as adults with them as we find it good).
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  #26  
Old 01.05.2021, 09:52
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Re: Health insurance for a newborn?!?

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Someone mentioned that likelihood of children needing orthodontic treatment is about 50%.
..
Judging by the number of adults who need orthodontic treatment (my OH started invisalign treatment in his thirties) because back in the day wasn't so easily available, I would say I'm not surprised by this probability and imo is realistic to expect your kids will need it. Dental insurance will pay off.

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My advice is get the dental and supplementary from birth. you pay a reduced amount until they are 3 or 4 or something anyway. If you leave it until they are older you may find you've missed the cut and you cant get dental treatment coverage. Its not meant to sound panicky or pressured but we've got all our three with helsana and honestly it wasnt much for the additional bits on top we didnt do the legal thing but the dental we got. Its worth it.
This.
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Old 01.05.2021, 22:24
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Re: Health insurance for a newborn?!?

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How it was explained to us. You should take out the basic insurance and then the max complimentary package prior to the birth.

After the birth you can cancel or adjust the complimentary as required.

The logic being, if there are any issues or complications at birth and the baby doesnt have the complimentary insurance to cover this, they will never have it as the insurance wont accept to cover a known issue.

And with this logic in mind, if there was any issue, you will never be able to change the complimentary insurance, it will only be covered by the provider that covered you at birth. So dont go for providers that give you a great lead in deals but are unreasonable after the first year. You really should look at the full price no offer conditions and pick one you would accept that you could be stuck with for a long time.

It sounds all negative but it really is just business, and how the Swiss system works
And this.
Get the quotes for the obligatory basic. At the very least, buy this before Baby is born. Also get quotes for the extras. If you can afford those extras for, say, one year, then buy them before Baby is born.

Then you can learn who Baby is and what the needs are, and understand more about the Swiss insurance system, as you go along. You might just be soooo glad to have those extras! However, if you decide against them, later, you can reduce Baby's insurance down to closer to the obligatory basic.

In fact, this is a good idea for adults, too, until you understand how things work, here.
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