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Old 20.07.2012, 00:25
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health insurance costs

hello,i have a question:since i got to know that here you need to have your own private health insurance,something came to my mindk,so here people pay privately for an insurance,then they might get to be sick couple times,maybe more,in a year...what happens next? do they do like the car insurance,where you pay more next year for the more accidents you caused,sometimes even dismissed by the insurance because of too many(according to their rules),or does it have some unbreakable rules,so that the people are in some ways protected from speculation on health costs and so on...?how does it work here?
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Old 20.07.2012, 00:31
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Re: health insurance costs

I WISH it worked like car insurance, where it keeps going down every year, but that's not health insurance works here, us healthy folks have to keep paying for the sick.

Tom
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Old 20.07.2012, 00:43
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Re: health insurance costs

would you explain me a little better,please? what does it mean that the healthy pay for the sick? don't everyone has its own private insurance? and ,by the way,you're giving me a great new by telling that the car insurance goes down every year,since where i come from,it's the right opposite...
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Old 20.07.2012, 00:46
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Re: health insurance costs

Car insurance goes down every year if you have no accidents, health insurance doesn't.

Clear?

Tom
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Old 20.07.2012, 00:56
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Re: health insurance costs

ok,so if you get sick 2/3 times this year,tha won't mean your tax on insurance will increase next year( i mean,not for that,at least)?
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Old 20.07.2012, 09:49
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Re: health insurance costs

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

Tom
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Old 20.07.2012, 09:59
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Re: health insurance costs

And the positive side for those of us who have long-term health conditions, or even someone who just has a bad year health-wise, is that your contributions towards your health care are capped.

You pay your franchise, and then 10% of each bill once you have passed your franchise. This 10% is capped at 700 chf. After that, you don't pay.

(Unless you have been prescribed a medication that isn't covered, and unless you have been hospitalised, in which case you have to pay 15 chf per day).
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Old 20.07.2012, 10:09
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And if you're healthy, take the largest franchise (deductable) you can, thus paying less. So you can reduce your insurance costs yourself.
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Old 20.07.2012, 10:12
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Re: health insurance costs

i looked at taking a large franchinse (healthy 24 year old male) and it shifted my monthly payment the smallest fraction. It really was not worth it in the end.
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Old 20.07.2012, 10:52
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Re: health insurance costs

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i looked at taking a large franchinse (healthy 24 year old male) and it shifted my monthly payment the smallest fraction. It really was not worth it in the end.
Makes a CHF 200/month difference for each of us, not exactly a small fraction!

Tom
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Old 20.07.2012, 10:56
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Re: health insurance costs

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Makes a CHF 200/month difference for each of us, not exactly a small fraction!

Tom
Thats a 2400 saving for taking a 2500 franchise, looks like a deal to me!
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Old 20.07.2012, 16:09
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Re: health insurance costs

So what happens if someone has several problems during a year( in terms of health)? Will this affect the next insurance bill?
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Old 20.07.2012, 16:24
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Re: health insurance costs

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So what happens if someone has several problems during a year( in terms of health)? Will this affect the next insurance bill?
No, in Switzerland the Basic Health insurance premium is independent of gender, age and pre-existing conditions. However, for Supplemental Health Insurance this is not the case. So if you stay with your current Supplemental provider, there would be no increase, but if you more to a new provider they would consider any pre-existing condition (ie the new one you developed)

You sound as if perhaps you are coming from the US? One thing to note about is that Swiss Health Insurers are non-profit, and governed by specific legislation to ensure the public good by full access to affordable healthcare.
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Old 20.07.2012, 17:04
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Re: health insurance costs

to add my 2 cents to the conversation...

My health insurance contributes towards my GYM membership.

So i get at lease some benefit in spite of being healthy all year round.
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Old 20.07.2012, 17:25
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to add my 2 cents to the conversation...

My health insurance contributes towards my GYM membership.

So i get at lease some benefit in spite of being healthy all year round.
Is that the basic, compulsory insurance though, or one of the supplemental policies?
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Old 20.07.2012, 20:44
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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. However, for Supplemental Health Insurance this is not the case. So if you stay with your current Supplemental provider, there would be no increase, but if you more to a new provider they would consider any pre-existing condition (ie the new one you developed)

You sound as if perhaps you are coming from the US? One thing to note about is that Swiss Health Insurers are non-profit, and governed by specific legislation to ensure the public good by full access to affordable healthcare.
haha no no,i come from Italy,and back there ,all people pay for public assistence about health issues,that is taken from the monthly pay they receive,so that's why it is all so new to me,and seen that in switzerland it's all good,wheter it's paid,i was starting to worry ..
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Old 20.07.2012, 20:54
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Re: health insurance costs

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Is that the basic, compulsory insurance though, or one of the supplemental policies?
That will be a supplimentry!
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Old 20.07.2012, 21:24
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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. However, for Supplemental Health Insurance this is not the case. So if you stay with your current Supplemental provider, there would be no increase, but if you more to a new provider they would consider any pre-existing condition (ie the new one you developed)

You sound as if perhaps you are coming from the US? One thing to note about is that Swiss Health Insurers are non-profit, and governed by specific legislation to ensure the public good by full access to affordable healthcare.
In the US, health insurance premiums do not rise individually if you use services a lot - they rise for everyone, just like here
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Old 20.07.2012, 21:58
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Re: health insurance costs

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You sound as if perhaps you are coming from the US? One thing to note about is that Swiss Health Insurers are non-profit, and governed by specific legislation to ensure the public good by full access to affordable healthcare.
It is only the "basic" insurance that must be non-profit, not the supplementary. As far as I know.
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Old 21.07.2012, 00:14
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Re: health insurance costs

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It is only the "basic" insurance that must be non-profit, not the supplementary. As far as I know.
and what does the basic insurance cover,in terms of assistance/medicines,therapies?
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