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Old 04.11.2016, 13:30
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Dialysis coverage

Hi,


I am going to come to Zurich in January,2016 on L permit. I am a dialysis patient and would like myself to be covered from the day 1 of the arrival.


As the treatment continues every alternate day, how should I coordinate with insurance and hospital?


Will the local insurance company cover the dialysis treatment? Secondly, is it possible to have the insurance before arriving in Zurich?


Thanks for your advice!
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Old 04.11.2016, 13:34
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Re: Dialysis coverage

Basic (mandatory) insurance will cover you for all treatment, existing conditions and future. You need to have insurance from day 1.

Start searching through Comparis.ch now to find one that fits your budget then give them a call to talk through your requirements. They have probably dealt with cases like this before where they have to provide urgent continuity of treatment.
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Old 04.11.2016, 22:32
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Re: Dialysis coverage

In case you're unfamiliar with Swiss insurance... "cover" doesn't mean the insurance pays 100% of all costs. In general you should expect to pay:

1 - A monthly premium
2 - An annual deductible (also known as a franchise) and
3 - Co-payments of 10% of each bill for the next 7,000 CHF in costs

Because you need regular treatment, I recommend selecting the lowest deductible offered by whatever insurance company and model work best for you. Some models require you to call a doctor before doing anything, others let you have free choice, etc. Best of luck with the move.
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Old 04.11.2016, 23:13
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Re: Dialysis coverage

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3 - Co-payments of 10% of each bill for the next 7,000 CHF in costs
Ours is only the next 700! Does it go up or down depending on what franchise you choose?
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Old 04.11.2016, 23:22
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Re: Dialysis coverage

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Ours is only the next 700! Does it go up or down depending on what franchise you choose?
no, but 10% of 7000 is 700
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Old 05.11.2016, 00:21
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Re: Dialysis coverage

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no, but 10% of 7000 is 700
Yeah, I probably could have phrased that better.

Out of the next 7K billed over your franchise, you pay 10%. i.e. 700. But you pay it in increments. Example:

Your first bill for dialysis is 100 Francs (honestly no idea, just going for simple numbers). You choose a franchise of 300. You'll pay all of that 100 Francs the first 3 times you go for dialysis. The fourth time, you'll pay 10% of the bill, or 10 Francs. Rinse and repeat until you've paid another 700 Francs for a grand total of 1000, plus what you've paid in premiums.
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Old 09.12.2020, 16:42
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Re: Dialysis coverage

Hi, I am trying to find out what could be the approximate cost of dialysis is Switzerland if you have a basic insurance.

I would like to see if it is worthy to move or if the cost of my treatment means is not realistic based on my income and the cost of my Dialysis. I know you can no say exactly because it changes from canton to canton, bu is you can actually give me an idea to help me to calculate.
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Old 09.12.2020, 21:42
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Re: Dialysis coverage

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Hi, I am trying to find out what could be the approximate cost of dialysis is Switzerland if you have a basic insurance.

I would like to see if it is worthy to move or if the cost of my treatment means is not realistic based on my income and the cost of my Dialysis. I know you can no say exactly because it changes from canton to canton, bu is you can actually give me an idea to help me to calculate.
See my post #3 on the first page of this thread.

AFAIK, dialysis in and of itself should not cost you more out of pocket than anything else since it's covered by the basic insurance. However if that's not the case someone please correct me!

I recommend you go with the lowest deductible (franchise) of 300 Francs. Where your cost will vary is the insurance premium amount in your canton. Some cantons have more expensive premiums than others, even for the basic insurance. Your premium is also based on your age and gender

Using my own basic insurance from Canton Bern a few years ago as an example:

1 - Monthly premium - I think it was 285, so about 3,420 per year. We got a small discount if we paid all in one go
2 - Annual deductible - 300
3 - Co-payments of 10% of each bill for the next 7,000 CHF in costs = 700

Total out of pocket for covered medical care in a year = 4,420.

I think comparis.ch lets you put in some of your numbers like age and canton and you can get a range of premium costs.
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