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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

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  #81  
Old 28.10.2016, 14:06
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Re: Health Insurance 2017

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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.
Ok, i see your point too. I've not had those issues, but if I did, telemedicine would be gone from my choice set the next year. That is incredibly frustrating.
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  #82  
Old 28.10.2016, 14:13
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Re: Health Insurance 2017

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Ok, i see your point too. I've not had those issues, but if I did, telemedicine would be gone from my choice set the next year. That is incredibly frustrating.
The FRC (Federation Romande des Consommateurs) an association to protect Swiss consumers are even warning against these models like Telemedecine>

https://www.frc.ch/articles/assurance-maladie/

They provide a form for all of us to report any issues.

They clearly mention that the slighest mistake (like not calling them in due time) will be sanctionned immediately, no refund and costly consequences.

Something which seems obvious, yet go ahead being 100% fine when you have any serious health issue and you forget to call them or similar.

Even for emergencies there is a delay to call them AFTER and it's only a few days.
Easily missed if you're in hospital bed with any kind of pipes in your nose.
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  #83  
Old 28.10.2016, 16:52
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Re: Health Insurance 2017

Well one gets reductions for children

https://www.caisseavsfr.ch/de/privat...nversicherung/

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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.
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  #84  
Old 30.10.2016, 20:42
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Health insurance 20% hike

Hi,

A couple of days ago I got a letter from CSS about our health insurance. Basically they are raising our monthly premium to 681,40 CHF from 564,60 CHF, that is a 20% hike. Admittedly our premium was low (married couple living in Basel, basic insurance with highest deductible) but such a raise is quite a bit. Is there anything we can do about this? Should we just switch?
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  #85  
Old 30.10.2016, 20:45
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Re: Health insurance 20% hike

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Hi,

A couple of days ago I got a letter from CSS about our health insurance. Basically they are raising our monthly premium to 681,40 CHF from 564,60 CHF, that is a 20% hike. Admittedly our premium was low (married couple living in Basel, basic insurance with highest deductible) but such a raise is quite a bit. Is there anything we can do about this? Should we just switch?
other than finding a new insurer, not much you can do. The monthly premiums were approved by the government, so they won't change. You can look at other models, but I'd just look around for another company.
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  #86  
Old 30.10.2016, 20:46
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Re: Health insurance 20% hike

What can you do about it? Switching insurers seems to be the only thing or accept the increase
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  #87  
Old 04.11.2016, 22:27
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Re: Health Insurance 2017

has anyone managed to get the insurance company to price match another companies premiums next year instead of cancelling and changing or this just doesnt happen here?
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  #88  
Old 04.11.2016, 23:11
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Re: Health Insurance 2017

no it does'nt happen
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  #89  
Old 06.11.2016, 11:50
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Re: Health Insurance 2017

I am a bit curious about this co-pay bit. Once you cross your deductible, you start only paying 10% as co-pay/retention till it hits 700 CHF. Does that mean the actual bill is 7000 CHF above deductible? Or is it 10% till the actual bill is 700 CHF above deductible?
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  #90  
Old 06.11.2016, 11:56
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Re: Health Insurance 2017

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I am a bit curious about this co-pay bit. Once you cross your deductible, you start only paying 10% as co-pay/retention till it hits 700 CHF. Does that mean the actual bill is 7000 CHF above deductible? Or is it 10% till the actual bill is 700 CHF above deductible?

After you reach your deductable, you will continue to pay 10% of the next 7000.

So in a calendar year the most you should have to pay would be your premium, plus your deductible, plus another 700 (10% of 7000).

Except of course for things that are not covered. Flu shots*, some meds - or for treatments not covered under basic insurance if you do not have supplemental to pick up those costs.



ETA:

Just as an FYI, while flu shots at my doctor's practice are not covered under my plan, this year I got a letter from the insurance company offering free shots at certain participating Apotheke through January 2017. I would guess that other insurance companies might offer this as well.

I mention this because sometimes things that are not covered can be obtained elsewhere for a reasonable cost, or even at no cost. It's worth investigating before paying out of pocket.

Last edited by meloncollie; 06.11.2016 at 12:14.
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  #91  
Old 06.11.2016, 12:01
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Re: Health Insurance 2017

I'm with Assura while being rather healthy individual and hardly ever using it. Significant insuarance policy increase has already taken place for this year, therefore I saw that it would be very marigina for the next year, not being worth extra hassle on my part to change it.
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  #92  
Old 06.11.2016, 13:01
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Re: Health Insurance 2017

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has anyone managed to get the insurance company to price match another companies premiums next year instead of cancelling and changing or this just doesnt happen here?
For Basic Insurance there is a table printed every year for each Kanton/Gemeinde with each insurance company's price for different models and deductibles. There are no discounts allowed on that by law. So no, they will not price match on Basic Insurance once the premiums are published and govt approved.

For Supplementary there is more flexibility, they will throw-in some new customer discounts for first year, corporate discounts etc, but that has also been curtailed by FINMA this year to no more than 10%.
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  #93  
Old 06.11.2016, 13:21
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Re: Health Insurance 2017

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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.
"now exactly when I am coming into the age 'frame' where I might need it...I haven't got it anymore....." Sadly this is a very common story; especially as many supplementary insurances have sharp increases every five years after you hit a certain level
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  #94  
Old 06.11.2016, 13:21
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Re: Health Insurance 2017

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For Basic Insurance there is a table printed every year for each Kanton/Gemeinde with each insurance company's price for different models and deductibles. There are no discounts allowed on that by law. So no, they will not price match on Basic Insurance once the premiums are published and govt approved.

For Supplementary there is more flexibility, they will throw-in some new customer discounts for first year, corporate discounts etc, but that has also been curtailed by FINMA this year to no more than 10%.
Do you have a link for this table?
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  #95  
Old 06.11.2016, 13:59
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Re: Health Insurance 2017

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Do you have a link for this table?
General - https://opendata.swiss/fr/dataset/he...rance-premiums

XLSX - https://opendata.swiss/fr/dataset/he...e-b9d81634ed21
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  #96  
Old 06.11.2016, 14:19
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Re: Health Insurance 2017

Thanks, also in English here
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  #97  
Old 07.11.2016, 21:17
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Re: Health Insurance 2017

Does anyone know if it is a good idea to have supplementary insurance for children? Dental I think is a good idea but is it worth having for anything else? I have a meeting this week with Swica but I am sure they will say they should have it because they want you to spend more surely.
Thanks.
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  #98  
Old 08.11.2016, 08:55
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Re: Health Insurance 2017

well I had it for many years for myself. Never used it except for glasses and some dental. You have to read what the supplementary offers and decide whether you need it.

https://www.swica.ch/en/for-private-...tary-insurance
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Old 09.11.2016, 11:48
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Re: Health Insurance 2017

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Of course that is the reason. That plus Dr. Google. Though the two are related.

But people don't get that. Instead, they blame the bad "expensive" doctors and, of course, the worst of all evils - pharma.

Simple minds.
Worse of all are not pharma or patients but health insurance mafia
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  #100  
Old 09.11.2016, 12:06
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Re: Health Insurance 2017

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Does anyone know if it is a good idea to have supplementary insurance for children? Dental I think is a good idea but is it worth having for anything else? I have a meeting this week with Swica but I am sure they will say they should have it because they want you to spend more surely.
Thanks.
Dentist definitely. Braces and other corrective measures that teenages require are eye-wateringly expensive.

For anything else, I wouldn't bother. Children would probably prefer not to have their own hospital room anyway.
(And all mine have had their own rooms in hospital anyway as they have been in the local adult hospital and they don't put children with adults).
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