Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 24.07.2011, 20:40
Junior Member
 
Join Date: Jul 2011
Location: Zug
Posts: 70
Groaned at 0 Times in 0 Posts
Thanked 108 Times in 33 Posts
whitecat74 is considered knowledgeablewhitecat74 is considered knowledgeablewhitecat74 is considered knowledgeable
Can you have a local and a foreign insurance?

I was wondering whether it is possible to combine a local minimum compulsory Swiss insurance with a foreign private complementary insurance like BUPA International or Allianz.

What I mean is if I get sick in Switzerland for example, are the benefits of the international insurance like a private room granted?

The reason I ask is that I find international plans cheaper and seem to give better coverage..
Reply With Quote
  #2  
Old 24.07.2011, 20:59
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
They probably don't cover you for pregnancy, that was the issue 15 years ago, as a male I can't see an issue. I suspect GP cover is not included, I have BUPA & a legally required one, both have huge excesses so I always pay all my own medical bills.
Reply With Quote
  #3  
Old 25.07.2011, 08:45
Junior Member
 
Join Date: Jul 2011
Location: Zug
Posts: 70
Groaned at 0 Times in 0 Posts
Thanked 108 Times in 33 Posts
whitecat74 is considered knowledgeablewhitecat74 is considered knowledgeablewhitecat74 is considered knowledgeable
Re: Can you have a local and a foreign insurance?

Interesting.. some of the foreign ones do have a clause on pregnancy though I don't know how much a private maternity stay costs in Switzerland. Not that this is on the agenda, but well spotted - female, 1974, could well be on the agenda sooner or later OK thanks so it does sound possible.
Reply With Quote
  #4  
Old 25.07.2011, 10:03
Blonaybear's Avatar
Forum Veteran
 
Join Date: May 2007
Location: Blonay
Posts: 1,593
Groaned at 4 Times in 4 Posts
Thanked 836 Times in 432 Posts
Blonaybear has a reputation beyond reputeBlonaybear has a reputation beyond reputeBlonaybear has a reputation beyond reputeBlonaybear has a reputation beyond repute
Re: Can you have a local and a foreign insurance?

Providing you have a basic Swiss cover I donít see any reason why you canít also have a foreign policy as well. However, you may find complications if you have to go to hospital as both insurers would have to pay part of the bill.

While Swiss supplementary cover may seem more expensive there is one very big difference. Once you have Swiss supplementary cover the insurer cannot increase your premium or refuse renewal no matter how ill you become.

I donít think you will find that a foreign policy will provide this. I suggest that you contact our resident expert Jenny and consult her.
__________________

I reserve the right, to declare right, anything I care to write.
Reply With Quote
  #5  
Old 25.07.2011, 11:10
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
I would not say I had 2 insurances with 2 excesses no thanks, I would just claim on the most suitable!
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Foreign plates and insurance? Roan Transportation/driving 4 29.06.2011 14:41
can you buy a car insurance when you havenít yet acquired a driverís license? subgold Transportation/driving 6 17.01.2011 19:37
[HEALTH INSURANCE] Have I forgotten you?! :( jenny Insurance 22 25.06.2010 14:46
What have you earned by learning the local language ? Bertrand - Geneva Language corner 34 11.02.2010 18:12
How long can you stay out of CH if you have a student visa? maxluga Permits/visas/government 0 08.01.2010 19:35


All times are GMT +2. The time now is 23:00.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0