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Old 22.10.2015, 21:01
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Re: Health insurance premiums for 2016

Mine increased 3.7% (visana in winterthur).
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  #22  
Old 22.10.2015, 21:11
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Re: Health insurance premiums for 2016

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Anyone has had experience with Sanagate? As predicted, the premiums on Assura medical aid will go up by 25% in 2016. It's about the time to shop around and switch the contracts again.
Sanagate - less expensive than the rest maybe, but the quality of the customer service is very poor, they have very long processing times for refunds, as well as for written requests etc. I am glad I am no longer with them.
I was with them for 1 or 2 years. Otherwise I have changed provider practically every year for over 15 years, switching to the one that offered the lowest premium.
Sanagate also try to get out of paying for things, stating that on a 'family doctor' model, you have to go through a family doctor before starting treatment, - this to me was obvious, only normally for ongoing treatment that started before I was with the new health insurance provider, this rule should not apply, at least it didn't with other providers.
Not only did they state they wouldn't pay it (they eventually paid everything), they also tried to limit the amount of time the treatment went on, saying they wouldn't cover the costs any longer because it had gone on for more than 6 months, despite the treatment basically being required fairly regularly and ongoing. Again this was resolved only after a big complaint case almost a year later.
It was also tiring that with Sanagate you basically have to pay every treatment, doctor's appointment and pharmacy bill in advance and then wait up to 2 months for the money to be refunded.
I am now back with a 'normal' provider which seems to cover everything without the hassle and very few advance payments.

Last edited by plumtree; 22.10.2015 at 21:24.
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  #23  
Old 22.10.2015, 21:15
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Re: Health insurance premiums for 2016

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Anyone has had experience with Sanagate? As predicted, the premiums on Assura medical aid will go up by 25% in 2016. It's about the time to shop around and switch the contracts again.
As usual this is cantonal, but Assura have certainly hiked their premiums this year, Vaud is around 20%.

Unfortunately from what i can see they are still one of, if not, the cheapest assuarance to have, certainly for basic coverage/maximum franchise.

It's certainly not getting cheap for 2 adults (one with accident) max franchise and a child with 0 franchise + coupe of extras, cost is around Chf 7'200 per annum with a further potential Chf 5'000.-- to pay plus the 10% upto Chf 700......

Somewhere potentially around Chf 13'600 per annum, well over 2 average salaries. (for Swiss person, not EF of course )
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Old 22.10.2015, 21:52
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Re: Health insurance premiums for 2016

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As usual this is cantonal, but Assura have certainly hiked their premiums this year, Vaud is around 20%.

Unfortunately from what i can see they are still one of, if not, the cheapest assuarance to have, certainly for basic coverage/maximum franchise.

It's certainly not getting cheap for 2 adults (one with accident) max franchise and a child with 0 franchise + coupe of extras, cost is around Chf 7'200 per annum with a further potential Chf 5'000.-- to pay plus the 10% upto Chf 700......

Somewhere potentially around Chf 13'600 per annum, well over 2 average salaries. (for Swiss person, not EF of course )
I just figured out our total for two adults in Winterthur - lowest franchise, telmed model - including the franchise, one accident insurance, and the 700 out of pocket- our bill is just shy of 12,000 (in Kt Zurich).
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Old 22.10.2015, 22:44
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Re: Health insurance premiums for 2016

I will look at other options and maybe it's about time to get something grand and decent like Visana or Helsana. Cheap is not always the answer
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Old 23.10.2015, 07:48
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Re: Health insurance premiums for 2016

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I will look at other options and maybe it's about time to get something grand and decent like Visana or Helsana. Cheap is not always the answer
I fully agree cheap is not always the answer, but if you don't use it and it's obligatory.............cheap is always the answer.

It is very much a personal choice and depends on how much risk you want to take. At the end of the day, they are all covered under same rules and Assura may dick around for a few days but they can't do much else.

Incidentally Assura just been rapped over knuckles for delayed payments.
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Old 23.10.2015, 08:57
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Re: Health insurance premiums for 2016

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It's certainly not getting cheap for 2 adults (one with accident) max franchise and a child with 0 franchise + coupe of extras, cost is around Chf 7'200 per annum with a further potential Chf 5'000.-- to pay plus the 10% upto Chf 700......

Somewhere potentially around Chf 13'600 per annum, well over 2 average salaries. (for Swiss person, not EF of course )
We pay 13560... deductible of CHF 300 (x 3 people) then 10% up to CHF700
Its quite a shock to the system as we used to pay around EUR6000 per year. - Weve had to move house and make some massive changes to afford it!

My son had an accident last week and it was at that moment, all of a sudden, the extra 7000 per year didnt bother me.
The health care here is amazing. I feel very lucky.
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Old 23.10.2015, 09:38
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Re: Health insurance premiums for 2016

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We pay 13560... deductible of CHF 300 (x 3 people) then 10% up to CHF700
Its quite a shock to the system as we used to pay around EUR6000 per year. - Weve had to move house and make some massive changes to afford it!

My son had an accident last week and it was at that moment, all of a sudden, the extra 7000 per year didnt bother me.
The health care here is amazing. I feel very lucky.

Basicaly with your system, low franchise with a high premium that you may or may not use, you pay the full wack irrespective.

If you take a high franchise and a low premium, you MAY have to pay upto Chf 2'500.-- as franchise in addition, but ONLY if you become ill and require medical assistance for your health.

If you do use the full Chf 2'500.-- franchise, health insurance will cost you a tiny bit more, maybe 5% more, but if you don't use it, the saving will be over 50%.

Therefore, unless you are somebody who goes frequently to the doctor and you know 100% for sure you'll use up Chf 2'500 of doctors' bill in a calendar year, the chance of saving around 50% on your health insurance is far greater that it costing 5% more

Treatment is identical irrespective who pays for it.

(accident insurance is NOT health insurance, by the way, 2 very seperate things but under same insurance company, one very big difference is the franchise does not come into play with an accident)
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Old 23.10.2015, 09:58
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Re: Health insurance premiums for 2016

We have accident insurance through work.

We were not given an option regarding the CHF 300
It seemed that the insurance always stayed the same, the only thing that changed was the price.
Infact one quote looked for over CHF700 per month more for the exact same quote lol.


I did ask about paying CHF 2500 but they said it was a no go for us...
I think its a cross border thing. Its the standard offer for all of us who had to choose.
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  #30  
Old 23.10.2015, 10:14
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Re: Health insurance premiums for 2016

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I will look at other options and maybe it's about time to get something grand and decent like Visana or Helsana. Cheap is not always the answer
With the HMO / Telmed / Hausartz options, the more expensive insurers become attractive. I have been with Visana for 25 years, and I have accident insurance, as I am retired, and I have Fr 300 deductible.

My compulsory insurance (KVG) has increased from Fr 318.20 to Fr 329.20 (the increase is Fr 11.00 or +3.4%)
My supplementary insurance (VVG) decreases from Fr 61.70 to Fr 52.20 (the decrease is Fr 9.50 or -15.4%).

Within a canton there are usually different rates, so it's best to start with www.en.comparis.ch/ and do further research.

The premium reductions mentioned above are dependent on your family size, and your income in the previous finalised tax year. The payments come from federal government and are only administered by the cantons. Being unemployed doesn't provide the immediate reduction in premiums, as the salary you achieved maybe 2 years ago is the deciding figure. https://en.comparis.ch/krankenkassen...billigung.aspx
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Old 23.10.2015, 10:16
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Re: Health insurance premiums for 2016

I was guided by the following motto:
If you are healthy, don't expect any regular medical interventions (pregnancy/kids included) and/or young, go for highest franchise (2500).
If the opposite, go for the lowest one (300).
Anything in between doesn't "pay off".

I will leave my little analysis from last year (SWICA data) here:
http://1drv.ms/1jDyGGk

Considering the motto above and looking at the chart, if your yearly health expenses are expected to be below ~1800CHF (300-2500 intersection), you are better off with the highest franchise (lowest monthly premium).
You save ~1350CHF if you had no expenses, and you can be worse off by ~1050CHF in case of maximum expenses.

Disclaimer: exact amounts may have changed since last year, but I stuck with 2500 franchise.

Hope someone can make use of this.

Cheers,
Damir

Last edited by dbucar; 23.10.2015 at 11:27.
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  #32  
Old 23.10.2015, 11:07
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Re: Health insurance premiums for 2016

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(accident insurance is NOT health insurance, by the way, 2 very seperate things but under same insurance company, one very big difference is the franchise does not come into play with an accident)
Actually if you are not employed and pay for your own accident insurance via your health insurance provider then your franchise does come into play even for accidents. The franchise is the same as for your regular health insurance package.
It's only for employees accident cover that the franchise is not a factor.
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  #33  
Old 23.10.2015, 13:27
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Re: Health insurance premiums for 2016

Just got my Swica advice for 2016 up 1.5%. This year was 6.3% up on 2014 and 2014 was 10.2% up on 2013...
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Old 23.10.2015, 13:37
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Re: Health insurance premiums for 2016

I just wonder if our salaries shouldn't also have gone up proportionally with increase of the insurance premiums
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Old 23.10.2015, 13:45
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Re: Health insurance premiums for 2016

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I fully agree cheap is not always the answer, but if you don't use it and it's obligatory.............cheap is always the answer.

It is very much a personal choice and depends on how much risk you want to take. At the end of the day, they are all covered under same rules and Assura may dick around for a few days but they can't do much else.

Incidentally Assura just been rapped over knuckles for delayed payments.
I must admit that I have hardly ever used my medical aid more than five times over 7.5 years spent down here and without paying excessive excess. For minor colds, infections and strains of flu, I used to visit my general practitioner at work paid by the company and free of charge for every employee. The health insurance scheme serves rather as a precautionary measure so to say "good to have it" than anything else. Never say never though

Various schemes offer supplementary insurance with access to sports facilities and treatments. Scanning briefly those, I found the discounts can also be tricky and often times one can be better of paying memberships by yourself outside of the scheme. You need to do your own math.
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Old 23.10.2015, 14:04
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Re: Health insurance premiums for 2016

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I just wonder if our salaries shouldn't also have gone up proportionally with increase of the insurance premiums
As well as different types of pensions and other benefits too!
There ought to be raises for these people too, seeing the increases in health insurance premium costs year after year... - it's not only people who work who have to find the extra money, people who don't work who mostly have lower incomes yet do not qualify for subsidies, have to stretch their incomes further and further each year.
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Old 26.10.2015, 20:51
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Re: Health insurance premiums for 2016

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Anyone has had experience with Sanagate? As predicted, the premiums on Assura medical aid will go up by 25% in 2016. It's about the time to shop around and switch the contracts again.
KV Flaachtal shows up as the cheapest option on Comparis if I were to switch. Any one has experience using them, seems like a small company with only 3500 policy holders..
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  #38  
Old 28.10.2015, 14:00
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Re: Health insurance premiums for 2016

We have just had a nasty surprise today. Our teenager goes from a monthly premium of 156 to 478. Happy New Year
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Old 28.10.2015, 14:16
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Re: Health insurance premiums for 2016

oops

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We have just had a nasty surprise today. Our teenager goes from a monthly premium of 156 to 478. Happy New Year
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Old 28.10.2015, 14:42
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Re: Health insurance premiums for 2016

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We have just had a nasty surprise today. Our teenager goes from a monthly premium of 156 to 478. Happy New Year
Time for a change and shopping around?
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