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  #21  
Old 21.07.2012, 10:26
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Re: health insurance costs

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and what does the basic insurance cover,in terms of assistance/medicines,therapies?
Have a look here and here.

I have basic insurance and supplementary dental insurance.

The only issues I have had with my basic insurance is that some medications are not covered. But I have learnt to ask my prescribing doctor if that medication is covered. And it hasn't happened that often - maybe twice. And once when someone called an ambulance for me, I had to pay 50% of the costs. And the hospitalisation fee which I already mentioned.

Apart from that, my basic insurance has covered a fairly extensive range of treatment - 4 hospitalisations, several trips to accident and emergency, three sets of physiotherapy, treatment by various specialists...

My dental insurance, on the other hand, has yet to pay out for any dental treatment I have needed. First of all, they won't cover the costs of my check ups. I had to have a detailed examination so they could work out what they wouldn't cover. When it came out all clear, they insisted I had ANOTHER examination with x-rays. This uncovered a minor issue. So that went down on the exclusions. But when, 6 months later, I had a problem, they refused to pay, claiming that my dentist had either missed the problem in his initial exam or chosen not to report it!
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  #22  
Old 21.07.2012, 10:40
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Re: health insurance costs

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Have a look here and here.

I have basic insurance and supplementary dental insurance.

The only issues I have had with my basic insurance is that some medications are not covered. But I have learnt to ask my prescribing doctor if that medication is covered. And it hasn't happened that often - maybe twice. And once when someone called an ambulance for me, I had to pay 50% of the costs. And the hospitalisation fee which I already mentioned.

Apart from that, my basic insurance has covered a fairly extensive range of treatment - 4 hospitalisations, several trips to accident and emergency, three sets of physiotherapy, treatment by various specialists...

My dental insurance, on the other hand, has yet to pay out for any dental treatment I have needed. First of all, they won't cover the costs of my check ups. I had to have a detailed examination so they could work out what they wouldn't cover. When it came out all clear, they insisted I had ANOTHER examination with x-rays. This uncovered a minor issue. So that went down on the exclusions. But when, 6 months later, I had a problem, they refused to pay, claiming that my dentist had either missed the problem in his initial exam or chosen not to report it!
i see,this is a very important issue,by the way...i'll ask for more advices,when i'll subscribe an/some insurance7s...thanx all of you for the kind answers!!
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  #23  
Old 21.07.2012, 10:49
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Re: health insurance costs

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My dental insurance, on the other hand, has yet to pay out for any dental treatment I have needed. First of all, they won't cover the costs of my check ups. I had to have a detailed examination so they could work out what they wouldn't cover. When it came out all clear, they insisted I had ANOTHER examination with x-rays. This uncovered a minor issue. So that went down on the exclusions. But when, 6 months later, I had a problem, they refused to pay, claiming that my dentist had either missed the problem in his initial exam or chosen not to report it!
My feeling is that insurance is scam, better not to waste your money, unless it's required by law.
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  #24  
Old 21.07.2012, 10:49
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Re: health insurance costs

This is why most people in Switzerland don't have dental insurance although children have it normally until age 18 as a standard cover by many companies. Save your money and go to a dentist in one of the neighbouring countries
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  #25  
Old 21.07.2012, 10:56
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Re: health insurance costs

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This is why most people in Switzerland don't have dental insurance although children have it normally until age 18 as a standard cover by many companies. Save your money and go to a dentist in one of the neighbouring countries
yeah,i see,i already did this when i was in italy(there the majority of dentists you have to pay them privately,cause the public ones will cure you not earlier than 6/8 months)...but it's not something you can do always,i mean..if i have to change a tooth it's ok,but you have to be able to cure yourself where you live,that's why we chose this nation to retry and build up a life....at that point it would be worthless to stay here,if what you earn working doesn't let you live decently,is it?
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  #26  
Old 21.07.2012, 13:17
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Re: health insurance costs

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No, in Switzerland the Basic Health insurance premium is independent of gender, age and pre-existing conditions.
The premium is actually age-dependent.
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  #27  
Old 21.07.2012, 13:58
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Re: health insurance costs

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and what does the basic insurance cover,in terms of assistance/medicines,therapies?
it cover the basics and common medicines. check comparis.ch there is a good overview and it would help to get along in the jungle of prices and different benefits of the insurance companies.
the rate differs a lot and sometimes it depends where you live and if you agree to telefon support first before going to the doctor or everytime go to the general practitioner first and not to medical specialist.

hope that helps?
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  #28  
Old 21.07.2012, 14:04
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Re: health insurance costs

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The premium is actually age-dependent.
Not really, I get the same premiums if I put in 30 or 75 for basic.
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  #29  
Old 21.07.2012, 14:08
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The basic premium is the same between 26 and 80 (or something like that). A little higher for women. Supplemental premiums may change based on age, maybe not.
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  #30  
Old 21.07.2012, 14:38
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Re: health insurance costs

With the benefit of hindsight, I would urge you to get supplemental insurance if you are eligible for it now - because chances are that as time goes on you will find that you can't get it.

Sure it sounds like a silly thing to pay for when you are young and healthy - but as you get older you may find that not having it impacts your treatment options. The supplemental insurance that allows you to see a doctor out of canton*, the semi-private hospital option which is tied to seeing a more qualified doctor - these might be something you wish you had years down the road. And when you need them, you'll likely find you are no longer eligible.




*As of this year, hospitalization in another canton is allowed, so long as the hospital is on your cantonal list. For instance, if one lives in SZ there are some Zürich clinics that no longer are on the SZ list, and some ZH hospitals that are only allowable for certain specialties. So if you wished to go to one of the ZH hospitals not on the SZ list, you would need to have supplemental cover - or pay privately. It is still recommended that people living close to cantonal borders, where chances are the closest hospital is in another canton, should research their options.
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  #31  
Old 21.07.2012, 14:42
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Re: health insurance costs

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Have a look here and here.

I have basic insurance and supplementary dental insurance.

The only issues I have had with my basic insurance is that some medications are not covered. But I have learnt to ask my prescribing doctor if that medication is covered. And it hasn't happened that often - maybe twice. And once when someone called an ambulance for me, I had to pay 50% of the costs. And the hospitalisation fee which I already mentioned.

Apart from that, my basic insurance has covered a fairly extensive range of treatment - 4 hospitalisations, several trips to accident and emergency, three sets of physiotherapy, treatment by various specialists...

My dental insurance, on the other hand, has yet to pay out for any dental treatment I have needed. First of all, they won't cover the costs of my check ups. I had to have a detailed examination so they could work out what they wouldn't cover. When it came out all clear, they insisted I had ANOTHER examination with x-rays. This uncovered a minor issue. So that went down on the exclusions. But when, 6 months later, I had a problem, they refused to pay, claiming that my dentist had either missed the problem in his initial exam or chosen not to report it!
cannot see your posts without laughing...that cat is just awesomely funny!!!
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  #32  
Old 21.07.2012, 15:07
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Re: health insurance costs

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With the benefit of hindsight, I would urge you to get supplemental insurance if you are eligible for it now - because chances are that as time goes on you will find that you can't get it.

Sure it sounds like a silly thing to pay for when you are young and healthy - but as you get older you may find that not having it impacts your treatment options. The supplemental insurance that allows you to see a doctor out of canton*, the semi-private hospital option which is tied to seeing a more qualified doctor - these might be something you wish you had years down the road. And when you need them, you'll likely find you are no longer eligible.

*As of this year, hospitalization in another canton is allowed, so long as the hospital is on your cantonal list. For instance, if one lives in SZ there are some Zürich clinics that no longer are on the SZ list, and some ZH hospitals that are only allowable for certain specialties. So if you wished to go to one of the ZH hospitals not on the SZ list, you would need to have supplemental cover - or pay privately. It is still recommended that people living close to cantonal borders, where chances are the closest hospital is in another canton, should research their options.

well after 18 year being here, my health insurance has never paid out 1 CHF. So thats basic premiums of approx 38,000 chf, suplimentry & a lower franchise would have cost at least the same again. I can go to any dr I want and pay myself, still well cheaper than any insurance backed scheme.

I actually have BUPA international that will pay for hospital treatment anywhere except the US & Canada, premium half that of basic insurance.
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  #33  
Old 22.07.2012, 21:44
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Re: health insurance costs

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well after 18 year being here, my health insurance has never paid out 1 CHF. So thats basic premiums of approx 38,000 chf, suplimentry & a lower franchise would have cost at least the same again. I can go to any dr I want and pay myself, still well cheaper than any insurance backed scheme.
There is a reason why it is called "insurance".
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  #34  
Old 23.07.2012, 09:37
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Re: health insurance costs

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cannot see your posts without laughing...that cat is just awesomely funny!!!
Thank you... she likes sitting in cold surfaces... (in the photo she's in the bathroom sink). But she doesn't like having her photo taken!
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  #35  
Old 23.07.2012, 09:54
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Re: health insurance costs

hahaha yeah,in fact she seems a little upset by that and not very much"stiking the pose"! hhah anyway pretty funny face ;D
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  #36  
Old 23.07.2012, 10:43
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Re: health insurance costs

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Your health insurance does not depend on if you've been sick or not.

Tom
Well to some degree it does. I mean, if you expect not to be sick, you will increase your deductible which will result in a lower premium.

So I think the CH system is one of the few in the world where being healthy pays off.
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