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  #81  
Old 07.04.2008, 21:18
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Re: Very cheap Swiss health insurance for students & researchers

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Also my fiancÚe got insured by Tradiconsult (although they normally insure students, I got the impression that in the end they are happy with anyone with a B permit).
Are you sure? have you had it approved by your cantonal authorities? For what I know you should apply for an examption and this is approved only for students...
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  #82  
Old 07.04.2008, 23:00
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Re: Very cheap Swiss health insurance for students & researchers

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Are you sure? have you had it approved by your cantonal authorities? For what I know you should apply for an examption and this is approved only for students...
Hi Franci, we also got both the examption. However, on the forms that we handed in together to get the examption - as I just checked - we wrote that she is my fiancee and that she is currently looking for a traineeship - so you maybe right this is similar to being a student! On this form ("Formulaire de controle de l'Equivalence de l'assurance-maladie") it is possible to check boxes if you are "edtudiant", "travailleur expatrie", "stagiaire", "enseignant" or "other" (we chose other). All info that I have is in French, which I do not understand well. It seems an examption is issued for persons without big income like students. But it might depend also on other factors (from where you come from).
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  #83  
Old 07.04.2008, 23:21
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Re: Very cheap Swiss health insurance for students & researchers

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Are you sure? have you had it approved by your cantonal authorities? For what I know you should apply for an examption and this is approved only for students...
Students or people here for training. I'm a post-doc and am covered via tradiconsult and it was approved by the cantonal authorities as it was for other post-doc coworkers.

I've mentioned this before but will say it again. I have tradiconsult, I had an accident right after I moved here. I am not covered by the university because I am not an employee, tradiconsult paid a CHF 50,000 hospital bill without my having to do a darn thing. I should mention though that it took several times my sending the same documentation and several phone calls by my advisors secretary before it was exempt but if you keep trying, it will happen.
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  #84  
Old 08.04.2008, 09:26
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Re: Very cheap Swiss health insurance for students & researchers

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Hi Franci, we also got both the examption. However, on the forms that we handed in together to get the examption - as I just checked - we wrote that she is my fiancee and that she is currently looking for a traineeship - so you maybe right this is similar to being a student! On this form ("Formulaire de controle de l'Equivalence de l'assurance-maladie") it is possible to check boxes if you are "edtudiant", "travailleur expatrie", "stagiaire", "enseignant" or "other" (we chose other). All info that I have is in French, which I do not understand well. It seems an examption is issued for persons without big income like students. But it might depend also on other factors (from where you come from).
ah ok, thank you!

Initially when I arrived in Basel I was told on the phone that because I am still a post grad student in Italy and that I (dint) have an income here I could maybe apply for it. Soon I will be forced to get one cause my 3 months of limbo are over... the problem is that now I am working (super) part time now and my real full time job will start only in summer... well I'll try too to get the examption, fingers crossed!
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  #85  
Old 01.05.2008, 13:42
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Re: Very cheap Swiss health insurance for students & researchers

Hi guys,
Just wanted to let you know that Swisscare also accepted me (and I'm JUST the girl friend) at the student/researcher rate because my partner works on a renewable one year contract at EPFL and was already insured with them. They are also offering an expat rate but that came to around 1400 Euros (~2300 Francs). Was also impressed that they include pregnancy and birth which is usually a separate insurance and then you aren't even covered in case it happens within the first year you've got it. So much for family orientated Switzerland
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  #86  
Old 01.05.2008, 19:21
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Re: Very cheap Swiss health insurance for students & researchers

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Was also impressed that they include pregnancy and birth which is usually a separate insurance and then you aren't even covered in case it happens within the first year you've got it. So much for family orientated Switzerland
N.B. The 12 month wait period for maternity only applies to supplementary insurance. You would still be covered for birth in a public hospital through basic (without excess or quote-part to pay).

It also only applies to the BIRTH and NOT date of conception.

i.e. your insurance begins on 1st of January. You take out semi-private hospitalisation.

You find out you are pregnant in June. You will give birth around March time.

That is fine. You would be covered under the semi-private if you so wish.

Now, if we take the same case and you find out you are pregnant in January - say, 2 days after you sign the proposition answering the question "are you pregnant" by a "no" - you would STILL be covered under basic. No probs.
This is also true of people that are already pregnant when they arrive in the country and need to take out health insurance.

So, the only difference is under supplementary.

That is also why it is not surprising to see that the student insurances cover it. They no doubt have to by law.

I work with studentcare insurances as they are the only ones linked with a Swiss health insurance company. However, you have to be under 30.

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  #87  
Old 25.08.2008, 21:59
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Re: Very cheap Swiss health insurance for students & researchers

Hello ! I and my family are insured by Swisscare Insurance. I'm at ETHZ and was pregnant. My experience with this company is very good. My pregnancy was perfectly covered without problems in hospital of St Gallen. My husban had also an accident in Mountain and it was covered. I have compared before your student insurance care and other. But they informed me that I need a special plan for maternity because only the cantonal hospital is accepted with the basic plan. Deductible is also often different as the Swiss companies system (student care 100 or other with 75 per case). They haven't accepted my husband and person over 30 year old. By Swisscare it was accepted without age problems and very easy website.
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  #88  
Old 12.09.2008, 16:07
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Re: Very cheap Swiss health insurance for students

Do they only do students or have different rate for people working here? Thanks!

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Hello I'm Barry,

I have just an information for the insurance TradiConsult. Much of my friends and me, we had lots of problems with this company.

TradiConsult has now problems with the authorities, with the ombusmann (a friend of me had lots of problems with the law), problems when the company send the bills (3 months after the end of the contract), I have never received the insurance card... and much other problems.I am really irritated against this company and when i call them, there are very aggressive !!!

I have now change by an other company : SWISSCARE. Lots of my friends in Zurich, they change for SWISSCARE. The application procedure was very fast and the contract, card and documents was very professionnal. The full procedure has take only 2 days.

The premium of this company is practically the same one : CHF 495 for 6 months but the franchise is CHF 300 for people between 16 - 40 ans.

So I can advise this insurance for all foreign students in Switzerland.

You can visit : www.swisscare.ch

Regards.
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  #89  
Old 12.09.2008, 17:09
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Re: Very cheap Swiss health insurance for students & researchers

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Deductible is also often different as the Swiss companies system (student care 100 or other with 75 per case).
The deductible with Student Care is nothing to do with the Swiss insurance system where the minimum deductible for adults is 300.-
They all have different deductibles because they're all private companies. They can put whatever they like.

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They haven't accepted my husband and person over 30 year old. By Swisscare it was accepted without age problems and very easy website.
Yes, this is a big problem with Student Care. They are increasing this as of the 1st of January 2009 though.
They are also in the middle of setting up a website apparently.
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  #90  
Old 12.09.2008, 17:20
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Re: Very cheap Swiss health insurance for students

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Do they only do students or have different rate for people working here? Thanks!
These insurances only exist for foreign students. Even the Swiss students have to get normal insurance. They don't qualify either.

Sorry
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  #91  
Old 17.10.2008, 01:39
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Re: Very cheap Swiss health insurance for students & researchers

Thank you for all this explanation but this is very strange. I recently had an appointment with an agent in UNIL who is responsible for studentcare. As I understood, studentcare is an insurance intermediar (Vermittler - Broker). He purposed me money if I sign by him and if if find other students. Also at the same day, another agent in the university, but from the CSS company Lausanne also use the same system. I can receive money if I find other students who sign a contract with CSS. I contacted the university and asked if this is legal. I was wondering because I find that this way is very non professional and doubtfull. The university informed me about this illegal way and adviced me to take a regular insurance what I do with Groupe Mutuel. But here also another surprise. Groupe Mutuel and Helsana informed me that they dont provide student insurance. The reason ? They said that CSS has an illegal insurance plan. Accepted exceptionally by the state authorities but not in conformity with the Swiss law... Groupe Mutuel said me that probably this insurance plan will be stopped soon for legal reason. crazy ... I think here are lots of strange informations.... strange... very strange... Finally I followed the explanation of the Service Social of University Lausanne and choosed Groupe Mutuel.
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  #92  
Old 17.10.2008, 12:34
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Re: Very cheap Swiss health insurance for students & researchers

What a strange story?!

First of all Student Care is not a broker, it is an insurance provider.

It forms part of the CSS group.

If you look carefully at your Groupe Mutuel policy, you will see that you are NOT insured by the Groupe Mutuel. No-one is. It is a group of 14 different companies. Maybe you're insured by CMBB? or Mutuel Assurances? etc.

Student Care forms part of the CSS group just like CMBB forms part of the Groupe Mutuel.

Student Care is a very specific type of insurance.

CSS is the only "normal" Swiss health insurance provider offering this product. None of the other 94 do.
No, it is not the same as "normal" health insurance over here i.e. it is not "LAMal" .
But, it is the equivalent and it is perfectly legal.

If I were you and under 30, I would have gone for the student insurance personally. The annual deductible is only 100.- and the premiums are peanuts compared to what we have to pay in the normal Swiss system.

---

As for somebody offering you money to find them new customers..... What can I say? Everyone goes about this business differently. I have never done that but I do know of people who do. (not just with the student insurances but with all of them)

Most people seem to be up for it as it's an easy way to make some cash. Whether it's illegal or not, I have no idea. I think that UNIL will probably have something to say about it anyway if it's happening on their campus though.
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  #93  
Old 28.11.2008, 12:30
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Re: Very cheap Swiss health insurance for students & researchers

Hello,

This is my first post in this forum where I can get pertinent information.
However, I still have questions on what would be best option for me and my wife who will move to Lausanne for my "study" in year 2009.

I confirmed that if there is a pre-extisting medical condition, most private policy for student is not available. My colleague recommended that Golden Care Student Cover which does not have such a exclusion.
Problem is a insurance for my wife who wants to be pregnant next year, which requires her to take Swiss Policy rather than private policy.

My question is whether there is a student policy which can support family as well as a student..
I know Swisscare supports student's family as well, but it does have a exclusion like pre-existing medical condition.
I would like to know a student policy which fit me and my wife at the same time...
(I realize that a basic insurance with covering pregnancy is very expensive, which I can't afford to)

Thanks...
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  #94  
Old 28.11.2008, 18:10
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Re: Very cheap Swiss health insurance for students & researchers

I had a similar problem with Golden Care recently where someone moved over here who was pregnant.

They just refused her totally for any insurance.

The thing is that these student insurances are supposedly the equivalent of the LAMal (or basic) insurance meaning that they don't refuse you for pre-existing conditions or being pregnant etc.

As I've mentioned before, I only work with Student Care as they are affiliated with a "proper" Swiss insurance (CSS). It is the same kind of thing as Swisscare and Golden Care (80.-/month ; annual deductible of 100.-).
I called them about this issue and they confirmed that there is no refusal for pre-existing conditions or pregnancy.

This means that anyone becoming pregnant on their policy or pregnant before getting it is covered 100% in a cantonal hospital (i.e. not in a private ward) - just like basic insurance covers.

I have no direct experience of Swisscare so if anyone has had any similar issues, I'd be interested to hear about them.
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  #95  
Old 10.12.2008, 18:04
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Re: Very cheap Swiss health insurance for students & researchers

Warning about Swisscare, I purchased insurance, yes documents and card and invoice were received fast.
Now I just had an accident my school is trying to help, but Swisscare is not helping at all, It is a shame this company now is not responsive and professional.

Anyone could offer advice here ? An actual person's name at Swisscare who is professional and helpful ?

Thank you
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  #96  
Old 27.01.2009, 11:28
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Re: Very cheap Swiss health insurance for students & researchers

Hi, I will just give some details about SWISSCARE. I was insured before by the company CSS and switched to Swisscare since 2 years.

My experience with Swisscare is excellent and I disagree your opinion.

In fact, I was pregnant and had some complication. The company was very helpfull, speak well english and was very professional as they followed my pregnancy really good.

During my insurance stay with CSS I had psycological problems and It was a really shame how they treated me. 6 months before they gave information to my psychiatrist and then 8 months before they refunded me. I was in a real financial problem and my lab professor helped by to pay the rent amount of my appartement.

CSS, although I explaned them my situation, they dont give me support or help. I was very very angry and has not helped me in my personal problems.

I will really use this opportunity to say that CSS not give me any support and were totally abandoned.

Also if I heare that you had little problems with Swisscare, I can confirm you that I have extreamly a big problem with the company CSS.

Probably the pregancy complication was related a part to the problems that I had with CSS, because I had no more trust in insurance companies.

Thank you Swisscare !

and YES WE CAN !!!
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  #97  
Old 27.01.2009, 17:57
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Re: Very cheap Swiss health insurance for students & researchers

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Hello

Lowest price for health insurance in Lausanne is around CHF 150 monthly.
Not for students it isn't.

80.- / month

It is around that price if you're aged 19-25 and take a 2'500.- deductible without accident cover. Don't forget that most students will not be working over here and will need accident cover too!
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  #98  
Old 11.05.2009, 18:48
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Re: Very cheap Swiss health insurance for students & researchers

Does any one have information for cheap health insurance in switzerland for student and researcher if have please inform me on forum
thanks
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  #99  
Old 12.05.2009, 00:35
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Re: Very cheap Swiss health insurance for students & researchers

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Does any one have information for cheap health insurance in switzerland for student and researcher if have please inform me on forum
thanks
Hi doctor!!!
Try firstly comparis website. Wealth of info and definitely you can find what you are looking for.
Check also EF for the health insurance discussion, plenty to find there as well!
good luck!
WSF
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  #100  
Old 19.05.2009, 12:20
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Jenny & CSS

Hi, again I had problem with CSS for a friend who is 33 year old student. They dont accept him and invited him to find another solution.

But after calling with two different Swiss companies "Sanitas" and "Groupe Mutuel, they told me that CSS has to accept me. This is the Swiss law LAMal without conditions.

I tried to find out if the studentcare plan is so properly as said from his employee here Jenny (who profit to do professional promotion for CSS here... is that legal in this Forum ?).

Manrisk employee (independent agent) said that this student insurance is not in accordance with the Swiss law OAMal 2.4. The law said that students can only be exempted from the LAMal if they can proof that the foreign company offers at minimum an equivalent coverage. Otherwise they are forced to go in a Swiss state insurance. Goldencare work with AXA, an insurance company outside of Switzerland, and for this reason it is accepted by the cantonal authorities. Or TradiConsult and Swisscare also with international providers outside of Switzerland.

CSS, who is not a company outside of Switzerland, cannot treat differently foreigners and swiss. For this reason is is not legal. However, like Manrisk, the cantons accept exceptionally this product. And also they said that this product is not under the Swiss social health insurance authorities, but the Swiss private insurance authorities which is totally different.

Sanitas and Groupe Mutuel said that it is only a question of time before the product will be stopped.

This story is very strange and when I ask employee of CSS they said always the same... It is accepted by canton and it is official by "Private insurance authorities".

No official information on CSS website, studentcare.ch is not a CSS website and dont work since months... CSS dont have really a clear answer... also they sales the minimum coverage which covers only the canton for CHF 80...

I will profite to inform that a website www.comparis.ch is very well. Or I find out this plans : Goldencare, TradiConsult Swisscare, GMC, BUPA, IHI... ISIC also can help you !

Good luck !
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