Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 06.06.2012, 17:45
ommthree's Avatar
Senior Member
 
Join Date: Apr 2007
Location: Zürich
Posts: 275
Groaned at 0 Times in 0 Posts
Thanked 108 Times in 67 Posts
ommthree has made some interesting contributions
Supplementary Health Insurance

I've always had just the basic health insurance. Most of what the supplementary offer seems to be a bit daft (E.g. Two pairs of glasses every fifth year or whatever, so it seems more like a savings scheme than insurance, or free distilled water that's been shaken a bit) but I do see the value in a private hospital room, especially for my son, after hearing about a friend's daughter's stay in hospital.

I know that with the basic insurance, the company has to accept you and they can't change the price depending on your medical record. With the supplementary insurance, I understand that they can refuse, restrict the cover and quote whatever they like.

Here's the question however: What happens once I'm accepted by a supplementary insurance and develop a condition? Do they have to keep covering me at the same premium forever including potentially long hospital stays in private rooms, or can they wriggle out of it? Will the premium go up as I age? What happens if I want to change company? Also, how are things like spitex or similar covered?

Thanks a lot for any info!
Reply With Quote
  #2  
Old 10.06.2012, 21:09
Senior Member
 
Join Date: Feb 2011
Location: Fribourg
Posts: 256
Groaned at 4 Times in 1 Post
Thanked 138 Times in 86 Posts
international has earned the respect of manyinternational has earned the respect of manyinternational has earned the respect of many
Re: Supplementary Health Insurance

This depends on the general insurance conditions, a chronic condition usually does lead to a rise in the premium.
Reply With Quote
  #3  
Old 10.06.2012, 21:14
Sbrinz's Avatar
RIP
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 11,885
Groaned at 563 Times in 354 Posts
Thanked 11,548 Times in 5,941 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Supplementary Health Insurance

The basic general insurance coverage is governed by Swiss law.
But the supplementary is not, and the cover and price between companies will vary.

You will have to study the fine print, http://en.comparis.ch/krankenkassen/default.aspx
Reply With Quote
  #4  
Old 10.06.2012, 21:17
Senior Member
 
Join Date: Feb 2011
Location: Fribourg
Posts: 256
Groaned at 4 Times in 1 Post
Thanked 138 Times in 86 Posts
international has earned the respect of manyinternational has earned the respect of manyinternational has earned the respect of many
Re: Supplementary Health Insurance

Quote:
View Post
The basic general insurance coverage is governed by Swiss law.
But the supplementary is not, and the cover and price between companies will vary.

You will have to study the fine print, http://en.comparis.ch/krankenkassen/default.aspx
This is not quite correct, basic health insurance is governed by the Swiss health insurance law. Private health insurance is governed by the VVG - Versicherungsvertragsgesetz, private health insurance law. It is however a good idea to read the fine print, as again conditions may vary. If you have any questions you can message me.
Reply With Quote
This user would like to thank international for this useful post:
  #5  
Old 10.06.2012, 22:47
ommthree's Avatar
Senior Member
 
Join Date: Apr 2007
Location: Zürich
Posts: 275
Groaned at 0 Times in 0 Posts
Thanked 108 Times in 67 Posts
ommthree has made some interesting contributions
Re: Supplementary Health Insurance

Quote:
View Post
This is not quite correct, basic health insurance is governed by the Swiss health insurance law. Private health insurance is governed by the VVG - Versicherungsvertragsgesetz, private health insurance law. It is however a good idea to read the fine print, as again conditions may vary. If you have any questions you can message me.
Thanks. I might well do that!

It seems a bit off that they can do that. Like a life assurance company putting your premiums up when they hear you're off colour. How do old people cope then? I always assumed you could get into one of these things early on and then keep the cover going into old age. Obviously will have to read the small print very carefully indeed.
Reply With Quote
Reply

Tags
health insurance, hospital, private room, supplementary insurance




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
Looking for good supplementary health insurance for alternative medicine muze7 Insurance 5 07.01.2014 16:05
Supplementary insurance for a child johnny_pl Insurance 7 27.10.2011 10:30
Supplementary health insurance - does it make sense? k_and_e Insurance 31 21.11.2010 13:26
Supplementary Insurance-should I claim? february Insurance 7 13.05.2009 09:54
Supplementary insurance - international coverage? brownie.531 Insurance 14 26.06.2007 07:22


All times are GMT +2. The time now is 23:14.


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