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-   -   Visana - Any good/bad experiences? (https://www.englishforum.ch/insurance/206944-visana-any-good-bad-experiences.html)

Bozza 25.04.2014 08:56

Visana - Any good/bad experiences?
 
Hi all

I'm trying to decide on who to go with for the first time in Switzerland for basic and possibly additional (dental) cover.

My employer has a deal with Visana where I get subsidies if I use them.

Just wanted to check whether there's any reason I should stay away from this company?

Thanks

st2lemans 25.04.2014 09:06

Re: Visana - Any good/bad experiences?
 
My wife has been with them for years (if not decades), no problems.

Tom

Mélusine 25.04.2014 09:17

Re: Visana - Any good/bad experiences?
 
Just this week I had an appointment with an insurance specialist who knows everything about Swiss insurances, and according to him (which he proved to me thanks to details figures) Visana offers the best complementary insurances on the market.

Their customer service seems to be excellent as well.

Sbrinz 25.04.2014 11:05

Re: Visana - Any good/bad experiences?
 
I have been continuously with Visana since 1990, and they are excellent.

I have the HMO model which means I must first go to a group practice, and these GPs either give me good treatment or pass me on to a specialist. My premiums are very low, I also have complimentary. I am very happy with this arrangement: my Sanacare is open on Saturday mornings! www.sanacare.ch

I did have Visana dental insurance for about 5 years. First of all you need to pay for any outstanding work (Which the dentist decides if it is necessary...) and then they only covered 50% of the cost. I found this poor value, so I cancelled it. Your basic health insurance covers emergency dental work, extraction & relief of pain.

kt22 25.04.2014 13:20

Re: Visana - Any good/bad experiences?
 
I' m doing some research for health insurance too and Visana seems like a good option. But my partner has Helsana. Is it better if we both have the same one or makes no difference? I heard there is no such thing as family insurance so we would both be independent but.. who knows in practice if we might need it..

Sbrinz 25.04.2014 13:27

Re: Visana - Any good/bad experiences?
 
Each family member can have any insurance, no advantage, but sometimes they give a family discount.

kt22 25.04.2014 13:31

Re: Visana - Any good/bad experiences?
 
Thanks Sbrinz! I will see if they make us some price.. Altough I'm not very hopeful since we are not married yet, just leaving together... But worth a try!

Guest 25.04.2014 13:46

Visana - Any good/bad experiences?
 
We have visana - viva care for the basic. Tele health model. No complaints, reimbursements are often received in 2 weeks.

No discount, though.

Mélusine 25.04.2014 13:51

Re: Visana - Any good/bad experiences?
 
We're switching to Visana next year as they offer great discounts for kids. If one of the parents has a basic or complementary at Visana, the second child pays only 50% on all the complementaries. And if you have several children, the third one pays only 35% for the basic.

Totally worth it for us.

Bozza 25.04.2014 14:36

Re: Visana - Any good/bad experiences?
 
Quote:

Originally Posted by Sbrinz (Post 2140106)
I have been continuously with Visana since 1990, and they are excellent.

I have the HMO model which means I must first go to a group practice, and these GPs either give me good treatment or pass me on to a specialist. My premiums are very low, I also have complimentary. I am very happy with this arrangement: my Sanacare is open on Saturday mornings! www.sanacare.ch

I did have Visana dental insurance for about 5 years. First of all you need to pay for any outstanding work (Which the dentist decides if it is necessary...) and then they only covered 50% of the cost. I found this poor value, so I cancelled it. Your basic health insurance covers emergency dental work, extraction & relief of pain.

Thanks for this.

On dental, my insurance in the UK is £600 pa and covers 100% of check ups and hygenist and then 50% of the big stuff like root canals and crowns. So I'm only really paying £400 pa more than I would anyway.

Actually, having written that down, that is roughly 1/2 a crown each year and my teeth aren't that bad so maybe dental isn't worth it after all!

Quote:

We have visana - viva care for the basic. Tele health model. No complaints, reimbursements are often received in 2 weeks.

No discount, though.
I was curious about Tele health models. Sound like a major pain in the ass to have to call someone for everything first. Or am I just being a bloke?

Mélusine 25.04.2014 15:49

Re: Visana - Any good/bad experiences?
 
I had very bad experience with tele health in the past. As a French speaker, even when selecting the French options I would have to speak to Swiss Germans with next to no French. Moreover I received bad advice quite a few times from their 'nurses'.

So now I prefer paying a bit more but go see my GP directly.

Guest 03.05.2014 14:13

Re: Visana - Any good/bad experiences?
 
Quote:

Originally Posted by Mélusine (Post 2140361)
I had very bad experience with tele health in the past. As a French speaker, even when selecting the French options I would have to speak to Swiss Germans with next to no French. Moreover I received bad advice quite a few times from their 'nurses'.

So now I prefer paying a bit more but go see my GP directly.


I think my GP model was less expensive than telecare, but i could be wrong. Our service connects us to doctors, and most of them speak English, though sometimes the person doing intake speaks only German. Since I have so much specialist care, they always send me back to my own doctors. My husband was having an allergic reaction to something and they were very helpful, sent him to the emergency room, and their info was useful. I like my GP, she's great, but i find the call center useful, especially after hours and when traveling.

foliorose 03.05.2014 14:39

Re: Visana - Any good/bad experiences?
 
We have Visana for our daughter and for my semi-private. They are fantastic and never any hassle! Go for it. :)

Ali. 04.05.2014 13:46

lol , Im trying to quit my contract with Visana but they are not accepting :)
they said i need to wait a year b4 i can be able to do that
I'm paying bloody 400 CHF every month for nothing

But i guess they are good when it come to have a real insurance
so go for it

Guest 04.05.2014 13:59

Re: Visana - Any good/bad experiences?
 
Quote:

Originally Posted by Ali. (Post 2146277)
lol , Im trying to quit my contract with Visana but they are not accepting :)

they said i need to wait a year b4 i can be able to do that

I'm paying bloody 400 CHF every month for nothing



But i guess they are good when it come to have a real insurance

so go for it


You can only quit it at the end of the calendar year, before Nov 30 for the following calendar year - if its the basic stuff. All insurance is like that.

altobarn 04.05.2014 16:28

Re: Visana - Any good/bad experiences?
 
Good thing about Visana is it exists physical entity unlike for instance KPT. It would help if you prefer to meet and talk face to face with the people instead of through the phone.

pk01 05.05.2014 06:59

Re: Visana - Any good/bad experiences?
 
I use visana for my children for the last 5 years. They pay claims ontime without any issues

hayleyob 05.05.2014 07:38

Re: Visana - Any good/bad experiences?
 
i use visana for the kids always pay out quickly no problems.

Bozza 05.05.2014 09:08

Re: Visana - Any good/bad experiences?
 
Thank you all!

Guest 17.10.2016 18:18

Re: Visana - Any good/bad experiences?
 
Pushing this up.

When we lived in Bern, we had viva care, and kept it when we moved to Winterthur. Viva care was probably a product created when Innova sold their basic insurance to Visana in 2011, and it's mostly located in Bern.

Now, visana called and wants us to consider switching to regular visana .... i don't think there are enough customers in this area. I'm going to talk to them tomorrow and see what the story is - i know it will be a little less expensive, but i have to be comfortable with the service.

Anyone have any experience? Horror stories with Visana since this thread was last updated?

Thanks!


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