Go Back   English Forum Switzerland > Help & tips > Insurance  
View Poll Results: How helpful did you find these FAQs
Very helpful - answered my questions 146 56.37%
Helpful - gave me opportunity to find out more 110 42.47%
Not helpful - already knew all the answers 3 1.16%
Voters: 259. You may not vote on this poll

Reply
 
Thread Tools Display Modes
  #241  
Old 22.05.2012, 13:33
Member
 
Join Date: Jan 2008
Location: Zug
Posts: 112
Groaned at 1 Time in 1 Post
Thanked 47 Times in 28 Posts
Aussiefamily has no particular reputation at present
Re: Health Insurance FAQs

highly recommend Jenny, she helped us save a lot of money and also understand the insurance structure for Switzerland
Reply With Quote
This user would like to thank Aussiefamily for this useful post:
  #242  
Old 22.05.2012, 14:57
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
i understand that in HMO model, before go to a specialist i need to see the GP first. But what would happen if i go to a specialist directly?? will the insurance company refuse to reimburse it?? assume it already reach the deductible?
You would have to read the general terms and conditions of your insurance company but basically, yes, they have every right to refuse you.

Some companies are less strict than others and may just send you a letter reminding you that really you should be going to your nominated GP or HMO first before seeing a specialist. Kind of a get-out-of-jail-free card but once you've used it, you've used it

Some companies may just put you back on to their traditional AOS method. This means that your premiums will increase.

I asked one company about this a while back as I had a client who had "forgot" to go to her nominated GP first.
The response I got was "well, we don't forget to bill her discounted premiums every month"...
__________________
Inswift Sàrl
Reply With Quote
  #243  
Old 11.07.2012, 14:00
Newbie
 
Join Date: Jul 2012
Location: zurich
Posts: 7
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
1valeria has no particular reputation at present
Re: Health Insurance FAQs

Is it possible to be insured in Switzerland by a foreign insurance company having an international policy? Or it has to be a swiss insurer? I've been with Aetna (major US insurer) for many years, and they have a few options for international coverage. Would prefer to stay with them...
Was trying to find this answer on multiple websites, but they all seem to refer to swiss insurance companies only...
Thank you!!!
Reply With Quote
  #244  
Old 11.07.2012, 14:32
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
Is it possible to be insured in Switzerland by a foreign insurance company having an international policy? Or it has to be a swiss insurer? I've been with Aetna (major US insurer) for many years, and they have a few options for international coverage. Would prefer to stay with them...
Was trying to find this answer on multiple websites, but they all seem to refer to swiss insurance companies only...
Thank you!!!
Good question.... and unfortunately there is no clear answer on this.

The law in Switzerland states that every Swiss resident has to have Swiss insurance for both accidents and illnesses.

However, in some cases, expats will be allowed to keep their current foreign insurance policy.
There are no black and white rules on this and they seem to take each case on an individual basis.
They seem to be more accepting of a foreign insurance plan if :

i) you are here on a temporary basis (e.g. 1 or 2 year contract)
ii) the cover is as good as or better than the Swiss basic health insurance.

To give you an example, there is no upper limit as to how much the Swiss basic insurance will cover you.
So, say you're hospitalised in a public hospital, on a general ward, in your canton of residence and you have a bill for 1 million francs, you will just have to pay your annual deductible and 10% co-pay. The rest will be reimbursed.

If your foreign insurance only covers hospitals up to, say, 5'000CHF then this may not be accepted.

The only way to know for sure is to ask your local commune/population office. Show them a copy of your current policy and explain your situation.

It can be quite a lengthy process and bureaucratic (welcome to Switzerland) but it is possible for some people.

Either way, it has to be officially ok'ed by your commune. If they are ok with it, they'll give you a special dispensation form which may have an expiry date on it.
e.g. they may be ok for you to keep your foreign insurance for, say, 2 years, after which they'd like you to take out Swiss insurance.

Hope this helps?!

Good luck
__________________
Inswift Sàrl
Reply With Quote
The following 3 users would like to thank jenny for this useful post:
  #245  
Old 05.09.2012, 07:56
lewton's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Hamburg, Deutschland
Posts: 626
Groaned at 41 Times in 35 Posts
Thanked 786 Times in 448 Posts
lewton is considered knowledgeablelewton is considered knowledgeablelewton is considered knowledgeable
Re: Health Insurance FAQs

Hello.

I think I should visit a specialist in order to get something checked, and I have a "Médecin de famille" plan from Assura.
So how does it work now? I call my GP and ask for an appointment with him?
Reply With Quote
  #246  
Old 05.09.2012, 11:50
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
Hello.

I think I should visit a specialist in order to get something checked, and I have a "Médecin de famille" plan from Assura.
So how does it work now? I call my GP and ask for an appointment with him?
You have to visit your nominated GP who will refer you on if need be.

If you wish to change your GP, you can do here : http://fr.assura.ch/assurance-maladi...cin-de-famille

You just need to put your policy number, date of birth and postcode and you're in.

Hope this helps
Reply With Quote
This user would like to thank jenny for this useful post:
  #247  
Old 10.09.2012, 07:53
lewton's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Hamburg, Deutschland
Posts: 626
Groaned at 41 Times in 35 Posts
Thanked 786 Times in 448 Posts
lewton is considered knowledgeablelewton is considered knowledgeablelewton is considered knowledgeable
Re: Health Insurance FAQs

Quote:
View Post
You have to visit your nominated GP who will refer you on if need be.

If you wish to change your GP, you can do here : http://fr.assura.ch/assurance-maladi...cin-de-famille

You just need to put your policy number, date of birth and postcode and you're in.

Hope this helps
Thanks Jenny.
I will call these days to get an apointment.

I can't find my doctor there because I think he is part of a "permanence", but I have his name from the application documents.
Quote:
Si votre médecin de famille ne figure pas dans la liste ci-dessous, soit:
- ce n'est pas un généraliste, interniste ou pédiatre.
- le médecin a plusieurs noms (p. ex. Dupraz-Tschumi Eva).
- le médecin travaille dans une permanence (p. ex. Vidy Med).
Reply With Quote
  #248  
Old 10.09.2012, 10:08
Running man's Avatar
Senior Member
 
Join Date: May 2008
Location: Basel
Posts: 335
Groaned at 10 Times in 4 Posts
Thanked 108 Times in 52 Posts
Running man is considered knowledgeableRunning man is considered knowledgeableRunning man is considered knowledgeable
Re: Health Insurance FAQs

Hi Jenny and All

Sorry maybe I have missed this question on here as the topic goes on forever, but I am currently with Assura after 6 years and I am getting tired of getting all documents plus having very limited customer service people (when I can get through to them) in only German, French or Italian.

I checked comparis aswell and couldnt find out any way of telling which Insurance companies sends documents and/or has good customer service in English?
I speak some German, but insurance jargon I dont get.
It takes Assura 5-10 mins everytime to find an English speaker, plus I get bills which I frequently dont understand in German.

Thanks for your advice
__________________
http://www.baselinenglish.ch
Reply With Quote
  #249  
Old 10.09.2012, 14:07
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
Hi Jenny and All

Sorry maybe I have missed this question on here as the topic goes on forever, but I am currently with Assura after 6 years and I am getting tired of getting all documents plus having very limited customer service people (when I can get through to them) in only German, French or Italian.

I checked comparis aswell and couldnt find out any way of telling which Insurance companies sends documents and/or has good customer service in English?
I speak some German, but insurance jargon I dont get.
It takes Assura 5-10 mins everytime to find an English speaker, plus I get bills which I frequently dont understand in German.

Thanks for your advice
Remember, not all companies figure on Comparis and I have no idea if they give advice on customer service in English etc.

There are at least 2 people at Assura who speak English, I will pm you their direct lines.

99% of companies will send their correspondence to you in one of the national languages.

Most companies do have at least some documents in English though - e.g. brochure of products so you can at least see what you're covered for etc.

I'll pm you now
Reply With Quote
  #250  
Old 11.09.2012, 17:27
lewton's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Hamburg, Deutschland
Posts: 626
Groaned at 41 Times in 35 Posts
Thanked 786 Times in 448 Posts
lewton is considered knowledgeablelewton is considered knowledgeablelewton is considered knowledgeable
Re: Health Insurance FAQs

Quote:
View Post
You have to visit your nominated GP who will refer you on if need be.

If you wish to change your GP, you can do here : http://fr.assura.ch/assurance-maladi...cin-de-famille

You just need to put your policy number, date of birth and postcode and you're in.

Hope this helps
Hi again Jenny.
I called Assura again today to ask them to give me the name of my selected GP (whom I selected randomly 8 months ago), and they don't even know who it is.
The girl told me that this means I can go to any GP and then remember to always go to the same one, or change him again.
Does this make sense to you? My French is not excellent and I was calling while walking on a busy street, so I may have misunderstood something. But I remember I had put a doctor in the application form, though I cannot see his name in the page you gave in your previous post because it was a doctor at a "permanence".
Reply With Quote
  #251  
Old 12.09.2012, 15:35
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
Hi again Jenny.
I called Assura again today to ask them to give me the name of my selected GP (whom I selected randomly 8 months ago), and they don't even know who it is.
The girl told me that this means I can go to any GP and then remember to always go to the same one, or change him again.
Does this make sense to you? My French is not excellent and I was calling while walking on a busy street, so I may have misunderstood something. But I remember I had put a doctor in the application form, though I cannot see his name in the page you gave in your previous post because it was a doctor at a "permanence".
Yes, that could very well make sense.
Basically, whoever you decide to go to, that person will become your reference GP.
If you wish to change this later on, then you can do.
Reply With Quote
This user would like to thank jenny for this useful post:
  #252  
Old 14.09.2012, 21:56
lewton's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Hamburg, Deutschland
Posts: 626
Groaned at 41 Times in 35 Posts
Thanked 786 Times in 448 Posts
lewton is considered knowledgeablelewton is considered knowledgeablelewton is considered knowledgeable
Re: Health Insurance FAQs

Thanks Jenny.

So I went down to the Vidymed center, which according to its website has several GPs and I was indeed seen by a generaliste of the center, and I actually liked him a lot.

Now, he told me to do an "echographie" at the Clinique de La Source in Lausanne, which is part of the same group. Just to be sure, is there any reason Assura wouldn't cover this (if the cost went above my franchise anyway)?
I suppose, not according to the following passage from their website, right?
Quote:
La Clinique de La Source a signé des conventions tarifaires avec l’ensemble des assureurs maladie suisses et, de ce fait, est reconnue par eux pour toute hospitalisation (passage d’une nuit au moins) en chambre à 1 lit (privée) ou à 2 lits (semi-privée).

Vous pouvez donc, après avis auprès de votre assurance maladie complémentaire, vous faire admettre dans notre Clinique si votre médecin traitant le juge nécessaire.


Notre Clinique est également reconnue pour tout traitement médical ou chirurgical effectué en ambulatoire, y compris pour un examen de radiologie, un traitement de radio-oncologie ou de physiothérapie ainsi que pour toute analyse de laboratoire.


Tous nos tarifs sont
IDENTIQUES à ceux appliqués dans tous les hôpitaux publics du canton de Vaud : votre assurance de base suffit donc pour tout traitement ambulatoire effectué dans notre Clinique.
Reply With Quote
  #253  
Old 14.09.2012, 23:53
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

As long as you don't stay overnight I don't see a problem.

As the text says, if it's "ambulatoire" it's ok. If it's because you have to stay in overnight, you need something in advance in writing from your insurer.
Reply With Quote
  #254  
Old 15.09.2012, 13:46
Newbie
 
Join Date: Sep 2012
Location: Ramat-Gan
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
savioshe has no particular reputation at present
Re: Health Insurance FAQs

Hello Jenny,
My grandfather is a Swiss citizen who lived for the past 7 years out of Switzerland. He needs an old people's home and I'me in the process of locating one for him. Since I have no clue in Swiss procedures I'm looking for help on how to claim his rights from his health insurance, how do you apply for subsidy for nursery in old people's home and so on..... Thanks in advance! Shelly.
Reply With Quote
  #255  
Old 15.09.2012, 13:50
Newbie
 
Join Date: Sep 2012
Location: Ramat-Gan
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
savioshe has no particular reputation at present
Re: Health Insurance FAQs

Quote:
View Post
Hello Jenny,
My grandfather is a Swiss citizen who lived for the past 7 years out of Switzerland. He needs an old people's home and I'me in the process of locating one for him. Since I have no clue in Swiss procedures I'm looking for help on how to claim his rights from his health insurance, how do you apply for subsidy for nursery in old people's home and so on..... Thanks in advance! Shelly.
If I wasn't clear.... I'm bringing him back to Switzerland and looking for an old people's home in Switzerland
Reply With Quote
  #256  
Old 18.09.2012, 12:51
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
If I wasn't clear.... I'm bringing him back to Switzerland and looking for an old people's home in Switzerland
Hi there,

Apologies, it was a bank holiday here yesterday.

I honestly have no idea how you do this....

Perhaps the first port of call would be the commune/canton of where you're based.
You can find the link to each cantons website here : http://www.englishforum.ch/insurance...e-subsidy.html

For example, in the canton of Vaud, there is a Q&A here (in French) : http://www.vd.ch/themes/sante-social...ions-reponses/

Sorry I can't be of any more help at this time

Good luck
Reply With Quote
  #257  
Old 18.09.2012, 13:49
Newbie
 
Join Date: Sep 2012
Location: Ramat-Gan
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
savioshe has no particular reputation at present
Re: Health Insurance FAQs

Thank you so much Jenny. Any idea or link is a thread to start something so that's helpful.
Reply With Quote
This user would like to thank savioshe for this useful post:
  #258  
Old 18.09.2012, 14:19
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 482
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health Insurance FAQs

Quote:
View Post
Thank you so much Jenny. Any idea or link is a thread to start something so that's helpful.
No probs.

I don't know what they're called in German but the French term is "EMS".

You can also try here : http://www.ch.ch/karte/index.html?la...dlbWVpbmRlIjt9

> Click on your canton
> Select your commune (drop down list)

It'll take you to a list of EMS in your region

Reply With Quote
  #259  
Old 18.09.2012, 15:46
Newbie
 
Join Date: Sep 2012
Location: Ramat-Gan
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
savioshe has no particular reputation at present
Re: Health Insurance FAQs

Thanks again.
I just spoke with the insurance company he was insured by before leaving Switzerland (Helsana). They told me he's not insured anymore since he left Switzerland. But since he's a citizen as soon as we get back he can renew his insurance. I guess that's true for any other insurance company ?!?
The person over the phone couldn't tell me what could be his rights in terms of nursing homes subsidy. She refered me to their selling points once we're there.
I couldn't find in the link you attached an answer to whether he's eligible for subsidy bu I did learned that there is no problem checking in to a nursing home from a different canton the the one you lived in.
I'm looking into the possibility of Margoa near Zurich, we leave in canton Vaud but my GDfather is from the German speaking area so it seems like that.
Thanks again
Reply With Quote
  #260  
Old 27.10.2012, 10:28
Newbie 1st class
 
Join Date: Aug 2011
Location: Zug
Posts: 21
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 3 Posts
Apple_Tulip has no particular reputation at present
Re: Health Insurance FAQs

Hi Everyone,
I have looked, but can't locate a sample letter to cancel my health insurance.
Does anyone know what I need to include or have a sample letter?
Thanks in advance.
Reply With Quote
Reply

Tags
health, insurance, insurance related, sticky thread




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Tip for people who want to keep EU health insurance muze7 Other/general 24 27.10.2016 09:31
Visiting a doc without health insurance!! Nickers Insurance 14 25.10.2011 13:26
Smoking & Health Insurance Nickers Complaints corner 21 07.08.2007 22:29
Insurance and insurance companies mark Complaints corner 5 16.01.2006 20:38


All times are GMT +2. The time now is 09:05.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0