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Old 03.09.2011, 01:34
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cost for health insurance - family of 4??

OK this question has bound to be answered before, but can anyone tell me roughly how much a family health insurance would cost for 2 adults and two kids aged 5 and 6. Thanks
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Old 03.09.2011, 01:36
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Re: cost for health insurance - family of 4??

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OK this question has bound to be answered before, but can anyone tell me roughly how much a family health insurance would cost for 2 adults and two kids aged 5 and 6. Thanks
600-1000/month, depending on plan and deductables.

Tom
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Old 03.09.2011, 01:37
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Re: cost for health insurance - family of 4??

Go to http://en.comparis.ch/krankenkassen/default.aspx there is basic and supplementary to consider
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Old 03.09.2011, 08:43
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Re: cost for health insurance - family of 4??

Ours is about 270 per adult (basic plus some supplemental with Groupe Mutuel, Hausartz model (we have a great local doctor), and for the kids it varies with age, but it's around 80chf per child, and that includes some supplemental, with Visana.

I've had no problems with either organisation - I find I need to write a letter to Visana (they don't answer email), and for Groupe Mutuel they take up to a week to answer email enquiries...in english...

Jenny, who is on the forum here, set it up for us, and explained our options...

For the first three years we hardly saw a doctor for us adults, and with a very high franchise, but I am going to change mine (you can only change the franchise once a year) - because now that I've found a really good 'Hausartz' (local doctor) I'd like to be more pro-active about my health...
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Old 03.09.2011, 08:46
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Re: cost for health insurance - family of 4??

You can have just the basic obligatory insurance which would cost about 600 altogether every month in your case (depends on your own age as well) to adding various options of complementary insurance that include private or semi-private rooms in case of hospitilisation and coverage of dental care etc.

You can also get discounts by taking a higher "franchise" or agreeing to call their call centre every time before seeing your doctor - there are many alternatives.

It is also advisable to look around on Comparis (link provided above) and compare the coverage provided by each company before deciding.

What I would recommend for your children, in view of their age, is to take complementary insurance that will cover the cost of dental corrective devices should this become necessary later on as that can be really costly if you do not have this covered.
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Old 28.07.2015, 17:26
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Re: cost for health insurance - family of 4??

Sorry to be pedantic about this subject but I had questions about what makes up "deductibles" or rather how one incurs "deductibles".

If I had the Family Doctor plan i.e. my first port of call is the local / family doctor, would a visit / call to such, especially when it results with me being referred to specialists or a hospital, incur charges and those charges are what make up the "deductibles", akin to excesses? I assume any payments to specialists or the hospital are counted as "deductibles" for as long as there are balances on unmet "deductibles".

Thanks.
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Old 28.07.2015, 18:13
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Re: cost for health insurance - family of 4??

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Sorry to be pedantic about this subject but I had questions about what makes up "deductibles" or rather how one incurs "deductibles".

If I had the Family Doctor plan i.e. my first port of call is the local / family doctor, would a visit / call to such, especially when it results with me being referred to specialists or a hospital, incur charges and those charges are what make up the "deductibles", akin to excesses? I assume any payments to specialists or the hospital are counted as "deductibles" for as long as there are balances on unmet "deductibles".

Thanks.
A deductible, or franchise, is simply the amount you must pay for medical expenses out of pocket before insurance kicks in. It's in addition to your monthly insurance premiums. With a few exceptions (such as pregnancy) it doesn't matter which doctor you see or test they run, you cover a certain amount up front.

If you have a lot of medical issues and see the doctor often, you will probably want the lowest franchise - around 350 Francs per year. This option has a higher monthly premium though.

If you're relatively healthy and almost never see the doctor, you'd probably choose the highest franchise, as this option will save you on monthly premiums.

After you pay the deductible, you still pay a small percentage of costs (I think 10%) up to a maximum amount per year.
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Old 29.07.2015, 11:21
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Re: cost for health insurance - family of 4??

Thanks for clarifying, 3Wishes.
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Old 29.07.2015, 11:47
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Re: cost for health insurance - family of 4??

Also part of the deductible (German/French term: Franchise) are the cost of any prescribed medications.
Minimum deductible is CHF 300 per year, maximum is CHF 2500 for adults. (CHF 0 - 600 for kids) Monthly premium depends on deductible.

Co-payment (Germen term: Selbstbehalt, French term: Quote-part) is 10% and the maximum amount is CHF 700 per year.

Additionally there is a CHF 15/day co-payment for hospital stays.

In the best worst case your maximum yearly health care costs are 12 x monthly premiums plus CHF 1000.

Note: Some insurance provider may use different English terms:
https://www.oekk.ch/en/PRIVATKUNDEN/FAQ/Franchise_und_Selbstbehalt.aspx
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Old 29.07.2015, 12:01
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Re: cost for health insurance - family of 4??

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Additionally there is a CHF 15/day co-payment for hospital stays.
I've never paid that.

Tom
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Old 29.07.2015, 12:07
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Re: cost for health insurance - family of 4??

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I've never paid that.

Tom
Me neither. But that's because accident insurance had to pay.
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Old 29.07.2015, 12:22
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Re: cost for health insurance - family of 4??

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Me neither. But that's because accident insurance had to pay.
That, and perhaps because I have semi-private?

Tom
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