Go Back   English Forum Switzerland > Help & tips > Insurance  
View Poll Results: What is your health insurance increase for 2017?
0% - 3% 15 16.48%
3% - 6% 15 16.48%
6% - 9% 16 17.58%
9% - 12% 17 18.68%
12% - 15% 7 7.69%
greater than 15% 21 23.08%
Voters: 91. You may not vote on this poll

Reply
 
Thread Tools Display Modes
  #61  
Old 27.10.2016, 17:19
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 30,989
Groaned at 2,245 Times in 1,662 Posts
Thanked 37,329 Times in 17,663 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
So be it for Ob/gyn, bone doctors of any kind, ENT docs etc, all of them who also do surgeries sign up with a particular hospital so they can use their theater and the infrastructure.
Yep, works that way here as well, fortunately, all of the local hospitals here are great.

Tom
Reply With Quote
The following 3 users would like to thank st2lemans for this useful post:
  #62  
Old 27.10.2016, 17:21
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,918
Groaned at 2,041 Times in 1,124 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Health Insurance 2017

well if you have a good house doctor then he should be able to give the best advice which course to take
Quote:
View Post
Yep, works that way here as well, fortunately, all of the local hospitals here are great.

Tom
Reply With Quote
  #63  
Old 27.10.2016, 17:38
Newbie 1st class
 
Join Date: Apr 2016
Location: Martigny
Posts: 14
Groaned at 4 Times in 1 Post
Thanked 11 Times in 4 Posts
Skripstiite has no particular reputation at present
Re: Health Insurance 2017

Quote:
View Post
is it subsidized? Show a copie of the bill
No, my insurance payments are not subsidized. Deductible is 2500 CHF for adults and 0 for the kids.
Now we pay 183.80 CHF and 198.00 CHF (210.85 and 227.15 for the 2017) for the adults and 78.00 CHF (85.65 next year) for each kid.

Is this something unusual?
Reply With Quote
  #64  
Old 27.10.2016, 17:42
Guest
 
Posts: n/a
Re: Health Insurance 2017

Article here in French says health insurance has tripled since 1996. Huge disparity depending on where you live.
Attached Thumbnails
health-insurance-2017-insurance.jpg  
Reply With Quote
This user would like to thank for this useful post:
  #65  
Old 27.10.2016, 17:48
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,918
Groaned at 2,041 Times in 1,124 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Health Insurance 2017

Yes you are correct. But of course you have very high franchise at 2500. That 2500 is very quickly eaten up in Switzerland if one needs hospital care. I have 300 CHF franchise
Quote:
View Post
No, my insurance payments are not subsidized. Deductible is 2500 CHF for adults and 0 for the kids.
Now we pay 183.80 CHF and 198.00 CHF (210.85 and 227.15 for the 2017) for the adults and 78.00 CHF (85.65 next year) for each kid.

Is this something unusual?
Reply With Quote
  #66  
Old 27.10.2016, 17:53
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 30,989
Groaned at 2,245 Times in 1,662 Posts
Thanked 37,329 Times in 17,663 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Yes you are correct. But of course you have very high franchise at 2500. That 2500 is very quickly eaten up in Switzerland if one needs hospital care. I have 300 CHF franchise
I've gotten up to the 2500 franchise twice in 15 years, so the savings are worth it.

Tom
Reply With Quote
  #67  
Old 27.10.2016, 17:56
Guest
 
Posts: n/a
Re: Health Insurance 2017

Quote:
View Post
No, my insurance payments are not subsidized. Deductible is 2500 CHF for adults and 0 for the kids.
Now we pay 183.80 CHF and 198.00 CHF (210.85 and 227.15 for the 2017) for the adults and 78.00 CHF (85.65 next year) for each kid.

Is this something unusual?

Nope, I presume your kids are still quite small......prepare for a hefty $$$ surprise when they start to turn 18.
Reply With Quote
  #68  
Old 28.10.2016, 09:25
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,918
Groaned at 2,041 Times in 1,124 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Health Insurance 2017

Is supplementary health insurance really necessary ( Zusatzversicherung )?
Reply With Quote
  #69  
Old 28.10.2016, 09:30
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,918
Groaned at 2,041 Times in 1,124 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Health Insurance 2017

Why not get supplementary insurance for example



https://www.visana.ch/de/privatkunde...alversicherung

Quote:
View Post
Our increase was about 3%, nothing to complain of here. (Standard model basic insurance, 1500 deductible.)

To put the cost of Swiss healthcare in perspective, though:

I am debating whether to have surgery done here, where only having basic insurance severely limits my options, or to have it done in the US, where I can see a top notch surgeon.

The cost estimate for the surgery if done in the US... hold on to your hats... 93-112K, assuming all goes well. If there are complications I might as well just have rest of my organs taken out as I will need to sell them to pay for it.

So in that context, even with this recent increase Swiss insurance is a bargain. Just wish I had access to better doctors.
Reply With Quote
  #70  
Old 28.10.2016, 09:41
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Neuchâtel
Posts: 12,687
Groaned at 205 Times in 182 Posts
Thanked 20,739 Times in 8,542 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Why not get supplementary insurance for example



https://www.visana.ch/de/privatkunde...alversicherung
Age and pre-existing conditions mean some people are unable to get supplementary insurance. That's why people are advised to subscribe to it while they are still young and healthy if they think they may need it in the future.
Reply With Quote
This user would like to thank Belgianmum for this useful post:
  #71  
Old 28.10.2016, 09:53
baboon's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: Rheintal
Posts: 4,357
Groaned at 163 Times in 142 Posts
Thanked 7,536 Times in 3,455 Posts
baboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
No, my insurance payments are not subsidized. Deductible is 2500 CHF for adults and 0 for the kids.
Now we pay 183.80 CHF and 198.00 CHF (210.85 and 227.15 for the 2017) for the adults and 78.00 CHF (85.65 next year) for each kid.

Is this something unusual?
Actually they are subsidised although you (and every other parent) don't see this directly - the cheap child rates are paid for through higher adult rates for all adults. I believe there are some idiotic plans about to have discounted rates (not as much discounted as the child rates and also paid by everyone else) up to age 35 in future.

I guess you only have basic insurance. Chuck in supplementary insurances, halbprivat (brings some benefits in doctor choice for example) and whatever and you're then getting nearer the CHF 400 level many will talk about.
Reply With Quote
  #72  
Old 28.10.2016, 10:43
Forum Legend
 
Join Date: Sep 2006
Location: na
Posts: 10,826
Groaned at 34 Times in 30 Posts
Thanked 25,302 Times in 7,890 Posts
meloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Why not get supplementary insurance for example

https://www.visana.ch/de/privatkunde...alversicherung
Moved here with a pre-existing condition. Actually, not really a condition, but I fell into a risk group. All screening to date was clear, so I actually had proof that I had no disease - but the fact that I had had the tests done was enough to deny supplemental insurance.

That, and I was 40 at the time. Add the two together - too much risk for supplemental insurance.

As Belgianmum says, many people simply will not qualify for private insurance.

---

I cannot stress enough how important it is to take out private or at least semi-private insurance when you are young and healthy enough to qualify.

The quality of treatment you have access to might depend on the level of your insurance. Switzerland's three tier model also applies to the level of care you can access - it's the elephant in the room that no one wants to admit is there. But in refusing to face this reality we are doing people a disservice.

We came here on an expat package, the company provided BUPA so we were outside the Swiss system. BUPA was a gold-plated insurance package (although I never used it) and I naively thought that the Swiss sytem would be similar.

When we first took out Swiss insurance I did not know that basic only would limit the quality of the care I can access - I thought it was only about a private room vs a four patient room. The agent we spoke to when we applied for Swiss insurance just brushed the question off. Had I fully understood the implications of being 'under insured', I might have reconsidered staying here on a local package..

Yes, private insurance is expensive. Yes, it might seem like a waste when you rarely need health care. But when you are older, when you need treatment - having private insurance might mean the difference in your ability to access the level of medical care necessary, and thus the outcome.

If you can't get private insurance - put money aside. If the specialist you need to treat you will not take patients who only have basic insurance you have to be prepared to pay out of pocket, perhaps many thousands, in order to get that doctor to agree to take on your case.

Those of you who live in areas where there are many doctors may not run into this. For instance, one often sees articles in the papers claiming that Zürich and Geneva have too many specialists. One would hope in those cities that thanks to competition doctors actually need patients and wouldn't turn those with only basic insurance away.

But if you live in areas where medical care options are limited you should consider taking out private insurance if you can still qualify.
Reply With Quote
The following 4 users would like to thank meloncollie for this useful post:
  #73  
Old 28.10.2016, 10:46
robBob's Avatar
Forum Legend
 
Join Date: Mar 2012
Location: Zurich
Posts: 2,688
Groaned at 52 Times in 39 Posts
Thanked 2,513 Times in 1,351 Posts
robBob has a reputation beyond reputerobBob has a reputation beyond reputerobBob has a reputation beyond reputerobBob has a reputation beyond reputerobBob has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Is supplementary health insurance really necessary ( Zusatzversicherung )?
At least insure yourself for all of Switzerland. Especially if closest hospital is in the next Canton.
Reply With Quote
  #74  
Old 28.10.2016, 10:48
robBob's Avatar
Forum Legend
 
Join Date: Mar 2012
Location: Zurich
Posts: 2,688
Groaned at 52 Times in 39 Posts
Thanked 2,513 Times in 1,351 Posts
robBob has a reputation beyond reputerobBob has a reputation beyond reputerobBob has a reputation beyond reputerobBob has a reputation beyond reputerobBob has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Article here in French says health insurance has tripled since 1996. Huge disparity depending on where you live.
So has the pleasure of also drinking a cup of coffee at a local cafe!
Reply With Quote
  #75  
Old 28.10.2016, 11:23
Guest
 
Posts: n/a
Re: Health Insurance 2017

Up until the end of last year I scrimped and saved what I could to be able to afford mine and the girls additional insurance. I was insured semi-private since birth...alas, life had other plans for me and now exactly when I am coming into the age 'frame' where I might need it...I haven't got it anymore.....

Should I ever be rich enough to want to re-join a semi or fully private additional insurance. I will most likely not be accepted.....or only with a lot of exemptions due to my age as well as pre exisiting conditions.
Totally legal for the insurance companies to do that.

So for those who don't know a really simple invented example to show what is meant.

Say you wear glasses.......and now you want to get semi or private insurance, the future insurer can then make an exemption , e.g. put it in writing in the insurance policy, that the cost of new glasses (above the minimum they legally have to pay with basic insurance), is exempt from reimbursing to you.

This is why when applying for insurance and additional insurance, you have to fill in a very very detailed health report......so anything that goes above basic mandatory coverage....could be exempt by them.
Reply With Quote
This user would like to thank for this useful post:
  #76  
Old 28.10.2016, 11:43
Forum Legend
 
Join Date: Aug 2009
Location: Vaud
Posts: 4,552
Groaned at 492 Times in 321 Posts
Thanked 4,099 Times in 1,952 Posts
CorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Helsana, basic one telemed 2500 deductible has increased by 20% this is crazy!!
Watch out for the "telemed" models ...(telemed warning link in English Forum).
Reply With Quote
  #77  
Old 28.10.2016, 11:46
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,918
Groaned at 2,041 Times in 1,124 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Health Insurance 2017

Well I am thinking of quitting my supplementary insurance with Visana. Seems not necessary to have the additional services as the majority are covered in the compulsory insurance
Quote:
View Post
Age and pre-existing conditions mean some people are unable to get supplementary insurance. That's why people are advised to subscribe to it while they are still young and healthy if they think they may need it in the future.
Reply With Quote
  #78  
Old 28.10.2016, 12:16
Forum Legend
 
Join Date: Sep 2006
Location: na
Posts: 10,826
Groaned at 34 Times in 30 Posts
Thanked 25,302 Times in 7,890 Posts
meloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond repute
Re: Health Insurance 2017

Quote:
View Post
Well I am thinking of quitting my supplementary insurance with Visana. Seems not necessary to have the additional services as the majority are covered in the compulsory insurance
Be aware that consultation is taking place to look into taking some procedures out of basic insurance coverage. Arthroscopic knee surgery is one on the table - meaning that you would be liable for the cost of the surgery yourself if you do not have supplemental insurance.

As costs rise the government will continue to look at ways to save. Don't assume that what you have now under basic coverage will always be available to you.

---

I would give anything to be able to purchase supplementary insurance. Not having it has meant that the quality of healthcare I can access in Switzerland has been sub optimal.

---

Look at it this way - if you drop your supplemental, how many thousands will you save over the next X years, the time before you would likely start to need more intensive healthcare?

The cost of upgrading out of pocket from basic insurance can be about 20-25K per event. And sometimes much more.

If you think you will save that much, then drop the supplemental and put that money safely aside.

(Also be aware that an out-of-pocket upgrade is not always possible. This is my delima at the moment, hence weighing the option to go back to the US.)
Reply With Quote
  #79  
Old 28.10.2016, 13:23
Guest
 
Posts: n/a
Re: Health Insurance 2017

Quote:
View Post
Watch out for the "telemed" models ...(telemed warning link in English Forum).
We've had telmed. But there often two options - one where you are bound to the advice and one where the advice is optional. I've not had any problems with the latter, would not consider the former.

Quote:
View Post
Be aware that consultation is taking place to look into taking some procedures out of basic insurance coverage. Arthroscopic knee surgery is one on the table - meaning that you would be liable for the cost of the surgery yourself if you do not have supplemental insurance.
This is very true. However, this one example, arthroscopic knee surgery is often considered to be a waste of resources (based on what I've read about knee things, a topic in which I am interested). But there are likely other things under consideration which are not. For example, something really silly - basic insurance will not cover a prescription for ritalin in an adult. I take ritialin. Basic insurance will cover concerta - the long acting form (given the appropriate documentation), but I can't take concerta - so I pay for my own ritalin. Fortunately, I'd rather pay for ritalin (chf 60 for 200) than for my anti estrogen drug (chf 320 for 100), which is covered.

When we first moved here, I remember looking at an article about the distribution of specialist categories throughout Switzerland. I remember telling my husband that we could not live in a kanton without a good number of specialists - hence, living in Kt Bern and Zuerich. But the lack of specialty care exists in the US - I last lived in North Carolina, in the middle of the "stroke belt". Of the 100 counties in NC, several have no cardiology specialists. And traveling across the state of NC is perhaps worse than Switzerland.

I imagine that I lucked out. When I was diagnosed with breast cancer, I was referred to a private gyn and private oncologist who both keep me on as patient. And I travel to Bern for outpatient care. Should I need to be an inpatient in Bern, I just verified with my insurance that the hospital in Bern will send the insurer an offer and they will accept it or I can pay the difference. The key in this situation is to find a hospital that takes all sorts of patients and that's the one I've used in the past. I imagine though, that is not always possible.

To me, the choice of physican is most important, and I understand the restriction in some areas. As I said, I've lucked out because my physicians take all sorts of patients and even if I am hospitalized in a general ward, they're still my docs. Now, I'll be looking at knee replacements in the next couple of years, and I'll have to figure out which doctor and where to go. I have considered getting a referral from my oncologist - because he's got good connections. Or, I've got some names in Zurich as well. So we'll see on that front. But yeah, we have only the basic insurance.

I don't believe that the increase in health insurance is merely due to patients shopping - it's patriarchal nonsense - costs are also due to increased utilization, rising costs of medication and treatments and changing demographics. You can't just point the finger at patients - in fact, treating patients like joint decision makers rather than children can help moderate costs and decrease errors. It is true that I've met with 4 orthopedic surgeons since 2010. Each visit has cost about chf 200 and I've only had xrays twice in 5 yrs. I don't consider that excessive because I've not had any expensive procedures, and all the docs have suggested I wait on the knees.

I have had some service issues with Visana this year and have decided to move to Swica. As it turns out, we save about chf 120/month. So good news for a change.

In the back of my head, I have a niggling thought that care for patients on basic insurance might be somewhat better in Bern or Basel. Not sure, though.
Reply With Quote
The following 3 users would like to thank for this useful post:
  #80  
Old 28.10.2016, 13:40
Forum Legend
 
Join Date: Aug 2009
Location: Vaud
Posts: 4,552
Groaned at 492 Times in 321 Posts
Thanked 4,099 Times in 1,952 Posts
CorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond reputeCorsebouTheReturn has a reputation beyond repute
Re: Health Insurance 2017

Quote:
We've had telmed. But there often two options - one where you are bound to the advice and one where the advice is optional. I've not had any problems with the latter, would not consider the former.

.
You are talking from the medical point of view.
Something I did not even address in the link above, in this topic.

I report the administrative burden for what is automatic with other health insurance companies (ie paying bills and the likes in pharmacy, doctors...) on top of the particular level of hassles when things are going wrong.

You are absolutely correct, it should be essentially about the quality of care received, not about the administrative related failures. Yet, I discovered the failures of telemedecine model from that aspect.

Since that represents lot of money, burden, and many hours wasted, that should be taken into consideration for any choice.
Reply With Quote
Reply

Tags
bag, health insurance, krankenkasse




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
Travel Insurance on top of Health Insurance highsandlows Insurance 2 15.08.2016 12:22
European Health Insurance Card coverage and complementary private insurance SilviaGiorgetti Insurance 10 19.08.2015 21:20
Health insurance breached my health confidentiality Switzerland12 Complaints corner 26 19.05.2015 22:46
Accident insurance -- can we buy it without health insurance vlad_island Insurance 3 15.09.2012 13:05
health care/ health insurance/customs/American outlining Insurance 5 16.05.2012 10:52


All times are GMT +2. The time now is 18:12.


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