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  #21  
Old 22.05.2007, 16:38
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Re: Very cheap Swiss health insurance for students

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Dear Mark - Visit http://www.swisscare.ch lots of student friends on the ETH Zürich and EPFL Lausanne choose this company after bad experience with TradiConsult. The premium is CHF 495.- / 6 months or calculated monthly CHF 82.50 (littel bit much but 200% better)
Well, crisis averted. They only needed more paperwork and I am now officially exempt from insurance provided by the "canton" of Zurich. They didn't have any problems with tradiconsult. It's unfortunate that tradiconsult has been given a bad name on this forum cause they've been absolutely phenomenal for me. I still hold to the fact that they are A-OK.
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Old 22.05.2007, 16:46
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Re: Very cheap Swiss health insurance for students

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Well, crisis averted. They only needed more paperwork and I am now officially exempt from insurance provided by the "canton" of Zurich. They didn't have any problems with tradiconsult. It's unfortunate that tradiconsult has been given a bad name on this forum cause they've been absolutely phenomenal for me. I still hold to the fact that they are A-OK.
That's how it goes... Bear in mind that the same company may give different experiences to different people. Some people may have had bad experiences, which doesn't make your "good" experience invalid, just as your good experience doesn't necessarily invalidate their bad experiences. In all probability you are both right. Insurance companies usually show their true colours when it is time to pay YOU though. They are very good when the money is going in the other direction

Glad your situation wasn't as bad as you previously thought.
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Old 22.05.2007, 16:49
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Re: Very cheap Swiss health insurance for students

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Well, crisis averted. They only needed more paperwork and I am now officially exempt from insurance provided by the "canton" of Zurich. They didn't have any problems with tradiconsult. It's unfortunate that tradiconsult has been given a bad name on this forum cause they've been absolutely phenomenal for me. I still hold to the fact that they are A-OK.
so the paperwork you sent was not sufficient for you to be considered covered?

For the greater good - what exactly did they need to get this approval? That would save someone else complaining
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Old 22.05.2007, 16:50
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Re: Very cheap Swiss health insurance for students

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That's how it goes... Bear in mind that the same company may give different experiences to different people. Some people may have had bad experiences, which doesn't make your "good" experience invalid, just as your good experience doesn't necessarily invalidate their bad experiences. In all probability you are both right. Insurance companies usually show their true colours when it is time to pay YOU though. They are very good when the money is going in the other direction

Glad your situation wasn't as bad as you previously thought.
Me too! Although, as I mentioned earlier I had an accident two weeks after I signed up with them and they paid a CHF 50,000 hospital bill without my having to do a single thing. That is why I like them so much.
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Old 22.05.2007, 16:56
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Re: Very cheap Swiss health insurance for students

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so the paperwork you sent was not sufficient for you to be considered covered?

For the greater good - what exactly did they need to get this approval? That would save someone else complaining
They needed:
1) a copy of my insurance card
2) A letter from my Boss saying I was not an employee (or something like that). Acknowledgement from the training center Bestätigung der Ausbildungsstätte
3) Originalformular B (Foreign insurer's confirmation for the purpose of exemption from compulsory healthcare insurance in Switzerland)
4) The original bill showing the dates covered.

I think it also might have helped that my boss's secretary handled the calls.

Hope that helps.
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Old 24.05.2007, 14:47
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Re: Very cheap Swiss health insurance for students

I am a PhD student and have been with TradiConsult since 2 years and 5 months now. So far so good. They are pretty reachable via E-Mail or telephone. They have English-speaking staff (with some French accent, I guess because they are based in Lausanne), relatively friendly as well.

For CHF 960/year, the franchise of CHF 300 is quite low (up to the age of 31). If you are 32 or older, than the franchise will be CHF 1500. Usually I had to pay the medical bills first, and then send the bill and proof of payment to TradiConsult for reimbursement.

Earlier this year, my institute send me a letter informing that Swisscare is not an acceptable health insurance provider in kanton Aargau (I'm not sure if this is only for PhD student or a general ban).

If one gets TradiConsult, then s/he will need to ask for exemption from compulsory health insurance in Switzerland. In my case, TradiConsult sent me a partially filled form and after signing it I sent it to the address written on the form (Gemeinsame Einrichtung KVG, Aargau). The exemption is valid for 3 years stay. After that, I have to change to a compulsory health insurance (more expensive).

Hope this helps,
Grey
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  #27  
Old 13.06.2007, 10:10
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TradiConsult refused in Kanton of Aargau and other Kantons

I also receive information about the canton of Aargau. The cantonal office refuse all companies which are not a Swiss governement insurance company (Also TradiConsult). If you show different student forums, lots of students or companies don't advise Tradiconsult (call the Ombusmann https://secure.om-kv.ch/html/aufgabe.html the Swiss Authorities which verify the problems with company) An other student on this forum has call them and they also don't advise TradiConsult. (For example comparis which is the best website for comparaison.

Choose a Swiss governement company or all other company but not Tradiconsult.
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  #28  
Old 13.06.2007, 18:07
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Re: Very cheap Swiss health insurance for students

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I'm not a student, but I'm under 25, and only paying 102 CHF/month by one of the regular Swiss insurers, which I would not call half bad. My mother-in-law insists that my wife, a student at Uni Züri, keep coverage that costs something like 350 CHF/month . I repeatedly told her we should change the coverage, but my wife refused, saying that we should do what her mother suggests. Oh well.
Wait wait wait... I'm all ears about this. I will be 24 just in August and paying such a low rate would be indeed attracting. What's the name of this company and what kind of coverage does it offer? I'm in Zurich since 2 weeks and I have 2 months more to subscribe my health insurance, better to collect all the possibilities around and make a good deal

P.S.: not a student as well, working full-time permanent
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  #29  
Old 28.06.2007, 15:03
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Re: Very cheap Swiss health insurance for students

I have a CIGNA expat plan from the US, and I am having problems getting Kanton Zurich to approve it. I know that there are other Americans with this policy living in many countries, including CH, but for some reason CIGNA and the Gesundheitsdienste are not communicating well.

I may just purchase the cheapest plan available to make the problem go away and continue with my CIGNA plan (it pays 100% with no deductible/franchise for med/prescriptions and dental, so very happy with it).

fduvall

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I remember back when you could easily have foreign health cover in Zurich and then they changed it; I kept my PPP for about 2-3 years then by simply writing back to the authorities and enclosing the policy from PPP.

Sadly things have changed now but I also now live in SZ.....hmm, I wonder........
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  #30  
Old 30.06.2007, 00:38
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Re: Very cheap Swiss health insurance for students

Thanks for the info.

I was going to go for Tradiconsult originally, but was swayed by this thread. Their website is also terrible and I couldn't see where to actually apply! So instead I went for swisscare and the website and conditions and things were all in english and it was very easy to apply/buy online.
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  #31  
Old 30.06.2007, 05:23
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Re: Very cheap Swiss health insurance for students

thanks for the advice on health insurance.

has anyone ever had their foreign (non swiss) health insurance accepted by Switzerland know it has to cover 100%
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  #32  
Old 30.06.2007, 09:08
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Re: Very cheap Swiss health insurance for students

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thanks for the advice on health insurance.

has anyone ever had their foreign (non swiss) health insurance accepted by Switzerland know it has to cover 100%
Sort of - but our company has to write a letter stating that in the event of non insured medical treatment the company will foot the bill.

Last edited by swissbob; 30.06.2007 at 09:08. Reason: cannot spell for toffee
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  #33  
Old 02.07.2007, 11:23
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Re: Very cheap Swiss health insurance for students

Maybe we should change the title of this thread to:
Very cheap Swiss health insurance for students and researchers

Based on the discussion on this thread, I looked into the student health insurance further and it does appear that researchers, including post-docs can have the student health insurance and thereby save themselves a LOT of money. I had always ignored the student insurance before because anything else that applied to students did not apply to me as a post-doc. However, it appears that health insurance may be the exception to this. I just filled out the forms online at SwissCare and they have sent me something to send to my canton to get it all officially sorted out. I highly recommend that researchers in a similar position do likewise, but I expect that they won't read this thread unless the title is broadened to explicitly include them (which is why I had previously ignored it).
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  #34  
Old 06.07.2007, 21:21
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Re: Very cheap Swiss health insurance for students & researchers

For those in the know...is this really a "good" insurance...we were having a discussion on another thread about VHI global and the fact that it was a foreign insurance and may not be accepted. Can someone explain why with Swisscare you have to send a note that you don´t have to register for the compulsory Swiss health insurance, if Swisscare is a "Swiss" company (although I gather it´s based in the Netherlands and so is perhaps not actually Swiss).
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  #35  
Old 08.07.2007, 20:01
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Re: Very cheap Swiss health insurance for students & researchers

Swisscare appears to be a management company with an office in Fribourg and the actual insurer is Gouda from the Netherlands. Claims are dealt with from an office in France, near Paris. They say their student policy is accepted by all but 3 cantons, Aargau, Neuchâtel and Tessin, and they have forms you can use to apply to the canton for acceptance.

You can view the conditions on their website and I’ve only had a brief time to study them but I’ve noticed the following: The sayThe benefits of the ESI PROGRAM SWITZERLAND is at minimum the same as the listed benefits in the Swiss health insurance law (KVG-LAMal). However, the actual conditions of their policy, i.e. under what circumstances these benefits are, or are not paid, are not the same as a normal Swiss one.

One of the first things I noticed is that pre-existing medical conditions are excluded (Article 5. Special exclusions) so if you already suffer from anything that may require medical treatment while you’re in CH it won’t be covered.

Under Article 4 Scope of cover, 4.3 Territoriality, The insurance policy applies in Switzerland. It also applies to travel outside the country of residence and visits to the policyholder’s country of origin, where these do not exceed 49 consecutive days per insurance year and are made only in cases of emergency.

There is a list of what they consider dangerous sports which you should study and also note that those who need treatment because they’ve taken drugs are not covered.
They are not part of the Swiss TelMed system so you have to pay the bills yourself and send them, with the receipt, to France. This could obviously be a problem if you have a big medical bill and meagre resources.

If it’s accepted by the canton it’s certainly much cheaper than a normal Swiss police BUT it does not offer the same cover. You really need to read all the conditions and decide for yourself if it’s acceptable to you.

I’d also like to make a comment about Swiss cover and that offered by foreign companies like BUPA as so many people just look at the premium and no further.

A Swiss company has to accept you for basic insurance irrespective of your state of health and they do not make, and cannot change, the policy conditions. They cannot load your premium or terminate cover if you are, or become, a bad risk and you are even free to switch to another insurer if they offer a lower premium ! On the other hand, a company like BUPA can refuse to accept you and, if they do accept you, you only have cover until the next renewal when they could terminate the policy or load the premium to any degree they like. See this article.

With the Swiss system we get the security of knowing that we cannot be refused cover or have our premiums loaded but, obviously, this costs more. Personally I think it’s a price well worth paying.
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  #36  
Old 09.07.2007, 20:13
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Re: Very cheap Swiss health insurance for students & researchers

Hi Blonay Bear

You information is very interesting but unfortunately not all is correct. I work with Swisscare with our student organization which has average 200 foreign students insured by the http://www.swisscare.ch.

You have right concerning the company and pre existing condition and in fact, it is not exactly the Swiss heatlh insurance law because pre existing are not covered. But what you dont know, is that in Switzerland, foreign students can be exempted from the Swiss compulsory health insurance (read the web site of Swisscare) or go on the Governement website admin.ch.

The law say that students can be exempted from the compulsory health insurance if the international insurer offer an equivalent coverage. This is also required by the cantonal office.


Now concerning the coverage :

Inside of Switzerland and abroad SWISSCARE has to apply the LAMal (you can show in the GIC 100% LAMal)

If SWISSCARE do not offer the LAMAL in Switzerland, the students can be inform the authorities (Gesundheitsdirektion Zurich for example).


Concerned the company SWISSCARE, it's a SWISS company but in fact re insured by an international company. But you have right, it's not a SWISS GOVERNEMENT INSURANCE like (ASSURA - HELSANA - GROUPE MUTUEL...)

In finaly, for students, it's a good way to have an insurance which is cheap and affordable for a student life.

Now if a student need to have a perfect insurance... I think this dont exist :-)

Our organization was insured in an official SWISS GOVERNEMENT company and the premium was expensive, and a deductible very expensive CHF 2500 for a premium of CHF 212....

I think, you can find lots of companies (Swiss or non Swiss) but Swisscare is currently the most popular for foreign students.

Here other companies which offer cheap premiums :

GMC
Bupa
ACE
GoldenCare
TradiConsult
CSS
...

This companies are also accepted without problems in Switzerland which are Swiss and some re insured internationally.

See you !

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  #37  
Old 09.07.2007, 21:41
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Re: Very cheap Swiss health insurance for students & researchers

Thank you for clarifying this. I think that the main points that students should be aware of is that, as you say, it is not the same a normal Swiss insurance and, in particular, those that have a pre-existing condition should be clearly informed that they are not covered. This could be a very important for people who might have, for example, diabetes or some other illness. I know they are supposed to read the policy conditions but, how many actually do ?

I notice you say the cover is for Switzerland and abroad but in Article 4 Scope of cover, 4.3 Territoriality, it say ‘only in the case of emergencies’. Can you clarify this as it was rather late in the evening when I read it !

Anyway, thanks for your input as we seemed to have arrived at a point where students and researchers can decide for themselves if this type of policy is suitable for them.

It’s not the same as a normal Swiss policy.
Do read the conditions, particularly if you have an existing medical condition.
It’s cheap !

Last edited by Blonaybear; 09.07.2007 at 21:42. Reason: typo
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  #38  
Old 11.07.2007, 15:35
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Re: Very cheap Swiss health insurance for students & researchers

To follow on from my last post I've since come across this from the EPFL in Lausanne:

Medical and accident insurance
Exemption from the obligation to use Swiss insurers


Details


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Old 13.07.2007, 12:32
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Re: Very cheap Swiss health insurance for students & researchers

Hello Blonaybear,

Thanks for your information and I understand your view but... majority of foreign students are limited financially and the most part are in good health (They are in Switzerland for studies finally...).

For this reason it's a good solution. Probably not the best (you can buy an Private insurance which cost CHF 400 / month) but the service provided by Swisscare compared the premium and the conditions is an good solution for students.

But I repeat, you have right. Students can choose a Swiss KVG insurance which cost with franchise CHF 300 between CHF 200 to CHF 350 month or a franchise CHF 2500 for CHF 130 month but.... you must pay all your bills...

What is the best solution ?
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Old 13.07.2007, 13:02
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Re: Very cheap Swiss health insurance for students & researchers

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What is the best solution ?
Now, that's the big question isn't it !

I think that the benefit of this thread is that it highlights potential problems and shows that there are benefits (cost) and disadvantages (cover) and with this knowledge they can make their own decision.

When you buy insurance you are paying someone else to carry some, or all, of the risk for you but, at the end of the day, it's up to each person to make their own decision and decide what degree of cost/cover is best suited to them. The important thing is that the decision should be made from a position of fully understanding what's involved and I think this thread has highlighted that.
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