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Old 08.10.2013, 12:51
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Atupri - for the basic health insurance? Experience anyone?

Would you guys recommend Atupri as the Basic health insurance? They come out far less expensive than other ones for me (PLZ 8045) but I cannot find much Information on how easy and fast is it to get reimbursements.. or General Service. Below link Shows that Concordia, KPT and Swica are the best in Terms of customer satisfaction but they are on the pricier side for me...

(am not sure yet on what additional insurance i will get, and want a hassle free basic insurer..)

thanks guys.


http://www.kpt.ch/SiteCollectionDocu...itsumfrage.pdf
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Old 08.10.2013, 13:27
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Re: Atupri - for the basic health insurance? Experience anyone?

KPT HMO are cheap! KPTwin.plus http://www.priminfo.ch/praemien/index.php?sprache=d

There are different tariffs for doctors, and if you choose, by accident or design, the more expensive doctor
then the insurance premiums will ultimately be a little bit more expensive.

If you choose the HMO or HMA options you save a lot of money by going to one on a list of approved doctors.

I use Visana HMO and I promise Visana I will use Sanacare, which is a modern GP practice.
My Sanacare in Bern has about 12 doctors and 14 nurses, with at least 3 secretaries.
http://www.sanacare.ch/htm/praxen.ht...&pid=3&navid=3
I have been treated by 4 of these doctors, but I could have waited for my regular one.
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Old 08.10.2013, 13:29
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Re: Atupri - for the basic health insurance? Experience anyone?

I'm with Atupri since 4 years. They are honest, and helpful. reimbursements come in time, never needed to complain. The service centers have operators who speak English (SC Zurich) and French (SC Lausanne), are very friendly and get stuff done efficiently.
I insured my daughter there too, the wife will join in next year.
As you said they are much cheaper, it makes a huge difference for the family!
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Old 08.10.2013, 14:10
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Re: Atupri - for the basic health insurance? Experience anyone?

Am with them since I was forced to take a local insurer. Never had any issues with them however have never had to make a claim or contact them for any reason.
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Old 08.10.2013, 16:38
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Re: Atupri - for the basic health insurance? Experience anyone?

I was with them for 2 years, i had a few hiccups with them. One time Uninspital Zürich double charged them and since i was under my deductible, atupri double charged me. I only noticed the discrepancy because the amounts were the same. I had been two times to the hospital, and thought it was weird that both bills were for the same amount. When reading the treatment protocol, i noticed that they both referenced the same date. I called atupri to notify them of this. The guy on the phone insisted that the charge was legitimate and that hospitals always split up their bills in half. I knew this was bs because i know approximately what health care costs are. However, I didnt know who to turn to, to resolve the issue. (the amount was 200-300 chfs, not worth hiring a law student, much less a lawyer)

About 2 months later I received a letter from them, that during an audit, they had detected that I was double charged and they had successfully reversed the payment to the hospital. They were pleased to inform me that I would be refunded the money in 14 days....and i was

The whole experience made me a little leery of them, how can a company exist that doesn't have some sort of mechanism to detect overcharging? I had luck, but them money i could have lost may have been better spent on a company with better detection mechanisms
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Old 08.10.2013, 22:24
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Re: Atupri - for the basic health insurance? Experience anyone?

I have had a very good experience with Atupri. There were some medical expenses I incurred that technically they did not have to cover and i was expecting them not to which they reimbursed for which I was very grateful as they were in the early 4 digit figures!
They also always reimburse quickly and are helpfu.
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Old 08.10.2013, 22:42
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Re: Atupri - for the basic health insurance? Experience anyone?

Bureaucratically I've done well with Atupri. Prompt service and decently low premiums.
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