Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 16.09.2007, 13:41
Newbie
 
Join Date: Sep 2007
Location: Zurich (in the future)
Posts: 2
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
senseiwa has no particular reputation at present
Pre-existing condition [from Sicko]

Hi!

I am probably moving to Zurich, and having seen the movie Sicko I searched for any "pre-existing condition" post, without any luck. It's probably a FAQ, but I didn't find anything.

In the US an employer-sponsored (group policy) insurance cannot turn down anyone because of an existing condition. How's the situation in Switzerland?

Thank you!
Reply With Quote
  #2  
Old 16.09.2007, 13:47
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: Pre-existing condition [from Sicko]

For the basic insurance you will be accepted without any penalty for a pre-existing condition. If you want supplementary cover then the company will consider any existing condition.

As you're new to the forum how about posting an introduction ?
Reply With Quote
  #3  
Old 16.09.2007, 13:59
Newbie
 
Join Date: Sep 2007
Location: Zurich (in the future)
Posts: 2
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
senseiwa has no particular reputation at present
Re: Pre-existing condition [from Sicko]

Thanks, but that brings other questions

Given that anyone, regardless of their health status, can get the basic health insurance plan, how does it compare to the US system?

I have read this link on comparis http://www.comparis.ch/krankenkassen...nfo_gv&lang=en, but I didn't see in any place if a treatment must be approved by the health insurance.

I read HMOs and GPs must be consulted beforehand, but in the case of the US system a family doctor recommends a treatment and then the insurance company can deny the request. Is it the same in Switzerland? Or is it just up to the doctor and the patient?

My questions may be quite naive... I am sorry about this...
Reply With Quote
  #4  
Old 16.09.2007, 14:32
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: Pre-existing condition [from Sicko]

Generally speaking it's up to the doctor and patient. There are some special treatments which have to have approval of the insurer and the doctor has to demonstrate that certain criteria exist or alternative methods have been attempted. But, it's not something that happens very often.
Reply With Quote
  #5  
Old 16.09.2007, 15:39
evilshell's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: UK, formerly Basel
Posts: 3,347
Groaned at 97 Times in 81 Posts
Thanked 3,093 Times in 1,341 Posts
evilshell has a reputation beyond reputeevilshell has a reputation beyond reputeevilshell has a reputation beyond reputeevilshell has a reputation beyond reputeevilshell has a reputation beyond reputeevilshell has a reputation beyond repute
Re: Pre-existing condition [from Sicko]

Unless you specifically sign up for an HMO, you will find the health insurance system here works a lot like the old fashioned systems in the US. You pick your doctors, you send in your bills for reimbursement, etc.
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
Sicko (documentary about US health care) Louis de Funes Insurance 62 05.11.2007 22:51
Sky - Pairing a new box with an existing viewing card chiguy TV/internet/telephone 13 01.02.2007 10:51
Take over existing insurance? evianers Insurance 1 09.01.2007 22:34
Road condition sfiki Complaints corner 1 12.04.2006 22:32


All times are GMT +2. The time now is 14:25.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0