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Old 23.10.2010, 20:06
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Moving to Switzerland, wife has MS, advice sought.

I've been offered employment in Fribourg and I will be moving out in January and my wife and family 6 months later. Wife in in her mids thirties and has mild MS, on all the treatments from the NHS, betaferon injections and all the tablets, this amounts to approx £1000 per month in treatment!

I don't know where to start with understanding what to expect from the Swiss system, I acknowledge that I will be paying circa CHF800 per month for health insurance for the family, will I be expected to cover all the drug costs.

Also the wife is on long term incapacity benefit, maybe this has an impact on things.

MDP
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Old 23.10.2010, 20:11
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Re: Moving to Switzerland, wife has MS, advice sought.

You opt for a small excess. After that you pay 10% of treatment costs on the first 6000CHF, after that, nothing. You cannot be refused the basic insurance.

I'm sure there's a few threads about Swiss health insurance somewhere.
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Old 23.10.2010, 20:16
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Re: Moving to Switzerland, wife has MS, advice sought.

Your wife should be fine here, insurers cannot deny her for the basic treatment for her condition. I have a long standing chronic condition and the insurer we picked told me that I will be covered for all my basic requirements. After 3 years if my condition remains stable I can probably get insured for alternative complimentary treatments too.

I can't answer the question about the drugs she needs but most of mine are covered.
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Old 23.10.2010, 20:16
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Re: Moving to Switzerland, wife has MS, advice sought.

Try and find Jenny the insurance specialist on the Insurance forum, she really has sound advice.

With basic health insurance, both the doctor / neurologist visits + medication should be covered. And as NAT just said it can not be refused. Everybody had health insurance in Switzerland by law.

Select the lowest franchise possible (if they let you) so that after the first 500 SFr the rest is covered. Where did you get the idea of 6000 ?

Also remember (or be advised) children don't pay a franchise.

Welcome to EF and to Switzerland,
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Old 23.10.2010, 20:18
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Re: Moving to Switzerland, wife has MS, advice sought.

Your wife should be fine here, insurers cannot deny her for the basic treatment for her condition. I have a long standing chronic condition and the insurer we picked told me that I will be covered for all my basic requirements. After 3 years if my condition remains stable I can probably get insured for alternative complimentary treatments too.

I can't answer the question about the drugs she needs but most of mine are covered.
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Old 23.10.2010, 20:36
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Re: Moving to Switzerland, wife has MS, advice sought.

I have a franchise of 300chf and pay 10% up to 700chf in one year so in one year I pay myself up to 1000chf then one that has been covered the insurance covers everything else within that year in full. I am unsure where the 6000chf comes from too
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Old 23.10.2010, 20:52
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Re: Moving to Switzerland, wife has MS, advice sought.

Welcome to the forum

Basically, the following drugs are recognised for the treatment of relapsing-remitting MS: Avonex, Rebif (Interferon beta-1a s.c.), Betaferon, Copaxone (Glatiramerazetat s.c.), Tysabri (Natalizumab i.v.), Novantron (Mitoxantron i.v.). These should be paid by the insurance.

(The names of drugs with the same active substance may vary in different countries).

However, complex illnesses such as MS may lead to other needs for treatment (physiotherapy etc.)where the question "who has to pay for what" can get much more difficult to answer, so I very strongly advise you to contact the swiss MS-Society for professional advice:

Schweizerische Multiple Sklerose Gesellschaft
Josefstrasse 129
Postfach
CH-8031 Zürich
Tel. +41 (0)43 444 43 43

email: info@multiplesklerose.ch

website: http://www.multiplesklerose.ch/
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Old 23.10.2010, 20:58
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Re: Moving to Switzerland, wife has MS, advice sought.

I'm new to the forum and impressed with the detail and speed of the replies, I will now go searching for Jenny the insurance specialist on the insurance forum.

You have elliviated a nagging concern, next will be to canvass the ideal village for my kids aged 6 & 9 to go to public school.

Thanks
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Old 23.10.2010, 21:12
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Re: Moving to Switzerland, wife has MS, advice sought.

We were in a similar position and found options like alternative therapies were not possible, and all treatments from the canton, no choice from the whole of Switzerland.
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Old 23.10.2010, 21:18
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Re: Moving to Switzerland, wife has MS, advice sought.

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We were in a similar position and found options like alternative therapies were not possible, and all treatments from the canton, no choice from the whole of Switzerland.
They are possible if you have additional insurance cover, BUT since this is beyond the basic cover, the insurance doesn't HAVE to take you on.

I also have an auto-immune disease and have found treatment excellent, they are look to find ways of helping with the side-effects of the illness and respond to any queries really quickly. Some doctors can be very rigid regarding "treatment by the book" but you can always ask to change doctors if you find them a bad match with how you deal with your disease.

All the best to you and your family.
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Old 23.10.2010, 21:19
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Re: Moving to Switzerland, wife has MS, advice sought.

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You have elliviated a nagging concern, next will be to canvass the ideal village for my kids aged 6 & 9 to go to public school.

Thanks
There's an international primary English school in Fribourg.. as an alternative to the local public schools in French or German.
http://www.international-school.org/page.php?pid=3010

If you do decide to put your little ones in public school, select a residential area or village.

This might help too:
http://www.expats-fribourg.ch/
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Old 24.10.2010, 09:29
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Re: Moving to Switzerland, wife has MS, advice sought.

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I have a franchise of 300chf and pay 10% up to 700chf in one year so in one year I pay myself up to 1000chf then one that has been covered the insurance covers everything else within that year in full. I am unsure where the 6000chf comes from too
OK, it's 7000 for you. (Maybe it changed since I last looked and it is for me - I don't usually get outside of Franchise, so I've not noticed. Anyway, it's only 100CHF more).

So you pay your franchise - 300CHF. Then the next 7000CHF of expenditure you pay at 10% - 700CHF. After that, nothing. All that changes is your choice of franchise = excess.
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Old 24.10.2010, 09:36
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Re: Moving to Switzerland, wife has MS, advice sought.

Nooooooo

I pay 300CHF franchise then 10% of all bills until i have reached 700CHF (not 7000CHF) you quoted 6000CHF in your previous post)
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Old 24.10.2010, 12:38
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Re: Moving to Switzerland, wife has MS, advice sought.

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Nooooooo

I pay 300CHF franchise then 10% of all bills until i have reached 700CHF (not 7000CHF) you quoted 6000CHF in your previous post)

The way it works is the following:

Medical bill for 10000 CHF total
- your franchise (hypothetically =300) which you pay=9700
You pay 10% of this amount BUT only for the next 6000 CHF (or 7000 CHf forgot the exact) so 600CHF

anything beyond the 6000CHF (upper limit) is TOTALLY covered, no more 10% participation on your side.

So the total max you would pay a year is 600CHF (10%of upper limit) PLUS franchise

Hope clear

This is to aboid that in case you have a real expensive operation (i.e. 100000 CHF) you are not left with having to pay 10000 CHF out of your pocket.

Cheers,
K
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Old 24.10.2010, 12:53
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Re: Moving to Switzerland, wife has MS, advice sought.

confused

I thought i just paid 10% of any bills until I had paid 700CHF in one year after i had already covered my 300CHF franchise.

As its described above with thousands being mentioned it makes it sound very confusing
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Old 24.10.2010, 12:56
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Re: Moving to Switzerland, wife has MS, advice sought.

Maybe this Thread from Jenny (our resident expert on the subject) will explain this point too.
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Old 24.10.2010, 13:14
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Re: Moving to Switzerland, wife has MS, advice sought.

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I pay 300CHF franchise then 10% of all bills until i have reached 700CHF (not 7000CHF)
And what's the total amount that goes to the medical community? 300 + 7000CHF.

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confused

I thought i just paid 10% of any bills until I had paid 700CHF in one year after i had already covered my 300CHF franchise.
You are correct. I'll try again.

"You pay 10% of bills until you've paid 700CHF" is identically equal to "You pay 10% of the bills for the next 7000CHF". Because 700CHF is 10% of 7000CHF. See?

If your first bill arrives for 8300, you pay 800CHF - comprised of 300 + 10% of 7000. But the total value of the bill remains 8300.
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Old 17.02.2011, 21:03
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Re: Moving to Switzerland, wife has MS, advice sought.

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I've been offered employment in Fribourg and I will be moving out in January and my wife and family 6 months later. Wife in in her mids thirties and has mild MS, on all the treatments from the NHS, betaferon injections and all the tablets, this amounts to approx £1000 per month in treatment!

I don't know where to start with understanding what to expect from the Swiss system, I acknowledge that I will be paying circa CHF800 per month for health insurance for the family, will I be expected to cover all the drug costs.

Also the wife is on long term incapacity benefit, maybe this has an impact on things.

MDP
We are expats in Zurich and my wife has recently received an MS diagnosis. It would be great to learn more of what you found out in terms of doctors referrals, treatment options in Zurich area and/or information on support groups.

Regards
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Old 17.02.2011, 21:37
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Re: Moving to Switzerland, wife has MS, advice sought.

I can definitely recommend reading through the whole thread and getting the information (to be found above) for the MS society - the head office is in Zurich, and my experience has been with similar associations that even though all the printed stuff will be in German, they can easily find someone within the association who can correspond with you in English.

Also, don't be afraid to ask your wife's doctor for advice on how to access services - they will be very aware of what is out there, and I have to say most are quite willing to give you a little extra advice, and at least in theory understand how hard it is to access the information when you are not a local...

Good luck with your search, don't be afraid to phone the MS society and say 'Sprechen sie English?'...or send them an email in English, and just apologise that your German is not good enough...I find that strategy works really well.
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Old 14.08.2011, 18:06
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Re: Moving to Switzerland, wife has MS, advice sought.

Dear MDP:
Checking in to see how al is going since you arrived. My wife also has received an MS diagnosis and is making her way through the system here. Would look forward to hearing any tips.

Regards,



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I've been offered employment in Fribourg and I will be moving out in January and my wife and family 6 months later. Wife in in her mids thirties and has mild MS, on all the treatments from the NHS, betaferon injections and all the tablets, this amounts to approx £1000 per month in treatment!

I don't know where to start with understanding what to expect from the Swiss system, I acknowledge that I will be paying circa CHF800 per month for health insurance for the family, will I be expected to cover all the drug costs.

Also the wife is on long term incapacity benefit, maybe this has an impact on things.

MDP
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