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Old 31.10.2011, 14:44
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Health Insurance Cover

Hi All

Moving to Switzerland in next 2/3 months and had a general question regarding the coverage for Health insurance

How does it work with regards to covering prescriptions? Do you still have to pay everytime you pick it up OR is it covered? etc

If you have medical issues such as a gland issue (nothing major) , will this hugely increase the cost?

Thanks in advance
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Old 31.10.2011, 15:21
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Re: Health Insurance Cover

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Hi All

Moving to Switzerland in next 2/3 months and had a general question regarding the coverage for Health insurance

How does it work with regards to covering prescriptions? Do you still have to pay everytime you pick it up OR is it covered? etc

How health insurance works (roughly)...

For basic health insurance, prexisiting conditions don't affect the cost, or the coverage. However if you want additional insurance (e.g. dental) then prexisting conditions may not be covered.

You arrange health insurance and select a franchise (amount you have to pay before any costs are reimbursed). The franchise affects your monthly premiums. E.g. if you have a low franchise, your monthly premiums will be higher.

So say your franchise is 300chf. The first 300chf worth of medical treatment you get in one year, you pay (in addition to paying your premiums). When you've passed your franchise, you then pay 10% of any additional bills, the other 90% is reimbursed. Eventually, if you have a lot of medical bills you may pass what in French is called the 'quote part' with your 10% payments. From that point on everything is reimbursed. For example, my franchise is 300chf. This year I've also passed my 'quote part' which is 700chf (i.e. my 10% contributions have gone over 700chf). So now I don't pay anything, apart from my premiums. Until January, when it all starts again...

Some prescriptions are covered by health insurance, those on the 'List of specialities'. If you're unsure, ask your doctor before picking up the prescription if that medication is covered. Most 'usual' stuff is covered, although some surprising things aren't (like the contraceptive pill, for example).

As to if you pay when you pick up prescriptions, that depends on your insurance company. Some require that you pay and then send the bills to them to be reimbursed. I think some may pay and then take out your share (not sure as I have the first kind).

Same goes for all medical treatment. Some places (e.g. doctors) send you bills, some send the bills to your insurance...

The only exception that I know of is that if you are hospitalised, you have to pay 15fr per day. Even if you've paid your franchise and passed your quote-part. Been caught by that before...

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If you have medical issues such as a gland issue (nothing major) , will this hugely increase the cost?
Yes and no...

No, a medical condition won't increase the cost of your premiums, in and of itself. In fact, an insurance company shouldn't even ask if you have a medical condition (for basic insurance).

But if you have a 'medical issue' which you know is going to need regular check ups, medication, etc., then it may be worth going for higher premiums/lower franchise to keep your overall costs down, because while you may pay more on your premiums, you'll get through your franchise faster...

It also means you have less to worry about should you need something 'major' unexpectedly. For example, I have the lowest franchise, because I have ongoing problems. This means if something unexpected happens, I don't need to worry. I have friends, on the other hand, who have a high franchise to 'save money' on the premiums. One of them developed an unexpected health issue... and then had the added strain about worrying about all the money they would have to spend on medical care before they hit their franchise.

Of course, if you have a lot of savings, the other option is that you have a low premium/high franchise and put the amount of your franchise to one side 'just in case'!
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Old 16.11.2011, 10:25
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Re: Health Insurance Cover

Hello,
I am a dependent and currently un-employed in Switzerland.
I have just received my permit and now have to sort my health insurance.
Could you guide me to the necessary information.
Any kind of help would be appreciated!
Thanks
S
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Old 16.11.2011, 12:44
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Re: Health Insurance Cover

go to comparis.ch and you should be able to compare different companies and find a good cover.

personally I go for family doctor option, which saves quite a bit on montly bill
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Old 16.11.2011, 23:06
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Re: Health Insurance Cover

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Hello,
I am a dependent and currently un-employed in Switzerland.
I have just received my permit and now have to sort my health insurance.
Could you guide me to the necessary information.
Any kind of help would be appreciated!
Thanks
S
You may be entitled to subsidies for your basic health insurance if you're on a low income... or even have the whole lot paid for you.

I just got all my information through for this for next year, with a letter asking me to inform them as soon as possible if my circumstances have changed. So now would probably be a good time to look into that.

I'm afraid I'm in French speaking Switzerland and can't help you out with the name of the organisation... it's organised at a cantonal level but I applied at my commune office (Agence d'assurance sociales - Social insurance agency?).

Here in Vaud, an adult doesn't actually have a choice about which insurance company they use if they are on this scheme. But I don't mind - if the canton pays, the canton can choose!
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Old 17.11.2011, 08:48
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Re: Health Insurance Cover

Thank you all for the assistance.

Vlh22: This is good information friend! Thank you so much. I will go see someone at the Kreis office.

S
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Old 23.11.2011, 17:05
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Re: Health Insurance Cover

Rather than Comparis, I would suggest looking on www.priminfo.ch as it is the federations own website and therefore there is no prejudice towards one company over another. It is completely impartial. It is only available in French, German and Italian though.

You can also look here for more info :

Health Insurance - Look here before asking questions please.

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Old 23.11.2011, 17:10
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Re: Health Insurance Cover

Thanks Jenny!!
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Old 23.11.2011, 17:25
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Re: Health Insurance Cover

No probs
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Old 23.11.2011, 21:41
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Re: Health Insurance Cover

contact David on this thread:
http://www.englishforum.ch/insurance...f-members.html.

I can't fault his knowledge or willingness to help, and all the documentation you are sent is in English
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