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Old 24.02.2015, 05:30
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Same insurance/moving canton/Pre-existing condition

Thanks for a great forum
I am soon moving to Basel and have a few questions to the mandatory insurance.

1) Do my husband and I need to choose the same insurance company ? Is it inconvenient having 2 different ones ?

2) We will start out in Basel stadt but most likely move to Basel Landschaft later on. I understand the insurance will be cheaper here. Will the insurance company lower the price automatically or will we have to wait for the new year for that change to take effect ?

3) I have a pre-existing condition that I need to have follow-up appointments for every 6 months. Will that be covered or seen as 'prevention' and not covered ?

Thanks in advance for any replies
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Old 24.02.2015, 07:56
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Re: Same insurance/moving canton/Pre-existing condition

Since you have a pre-existing condition you will only be able to purchase the basic coverage. i had to do this also and I've found it to be perfectly adequate.

As far as whether or not something is covered that will depend on exactly what it is and whether or not your doctor orders it - you will need to ask the insurance company that specifically, but my guess is it'll be covered, no problem. I have to have a VERY expensive shot every 28 days so we made sure this would be covered before we moved. Since this has not been a problem for me I'm guessing, without knowing what you are dealing with, that yours will be covered also.

You will have an out of pocket max that you will have to pay each year - mine is $700 (maybe that is standard?). So as I have treatments, the insurance pays a portion and I pay a portion until I've paid a total of $700 and then I don't pay anymore until the following year. Usually I pay more than that before they catch up to me and then I get a refund. You will need to submit the copy that comes with your bill to your insurance company.

Hope this helps
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Old 24.02.2015, 08:25
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Re: Same insurance/moving canton/Pre-existing condition

When you move, call the insurance company with your new address (they will need this anyway). We moved, but our address changed as of January so I don't know if they change you mid year or end of year.

You have a franchise or deductable somewhere between 2500 and 300. The higher the deductable, the lower your monthly costs. Once you've satisfied this, your max out of pocket is chf 700.
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