Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 10.04.2017, 03:34
SmithGraham's Avatar
Newbie 1st class
 
Join Date: May 2016
Location: Opfikon
Posts: 11
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
SmithGraham has no particular reputation at present
Operation in hospital - Where does the bill go?

Hi all,

At some point this year I will be going to a hospital for an ear operation & was wondering where is hospital gonna send their bill? Does it always go to the insurance company directly or could it be that the bill would be sent to me and then later on insurance would reimburse me? Is there a sure way to know? I'm with CSS by the way.

Asking because I would not like to wake up with a huge hospital bill in my name.

Thank you,

Graham
Reply With Quote
  #2  
Old 10.04.2017, 07:19
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 10,371
Groaned at 349 Times in 291 Posts
Thanked 12,374 Times in 5,951 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Operation in hospital - Where does the bill go?

Insurance and you will get a bill for your part that you then still owe to the insurance
Reply With Quote
This user would like to thank roegner for this useful post:
  #3  
Old 10.04.2017, 08:34
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Switzerland
Posts: 21,476
Groaned at 371 Times in 286 Posts
Thanked 16,285 Times in 9,244 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Operation in hospital - Where does the bill go?

Mind you it might still be a biggish bill depending on your franchise. If you have a 2,500 franc one for example and haven't used any of that before the op then you'll have to pay 2,500 plus whatever extra of the cost comes to: 10% next 7,000 francs. So say the op costs 5,000 you'd end up paying 2,750 - the 2,500 frachise plus 250 (10% of the remaing 2,500 after the franchise amount has been deducted). CSS would pay the 5,000 and send you an invoice for 2,750.
Reply With Quote
This user would like to thank Medea Fleecestealer for this useful post:
  #4  
Old 10.04.2017, 09:53
Forum Legend
 
Join Date: Sep 2006
Location: SZ
Posts: 10,478
Groaned at 29 Times in 25 Posts
Thanked 24,151 Times in 7,593 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: Operation in hospital - Where does the bill go?

My expierence with a public hospital in SZ, please bear in mind that practices may differ by canton, and possibly by hospital as well as by insurer.

In SZ all medical bills go directly to the KK, for all insurers, that's a cantonal law. This is not the case everywhere. The KK then sends you a bill for your portion: the franchise, self pay, and anything not covered by the KK.

Prior to the op, the hospital admin folks asked for a copy of my KK policy. They then spoke directly to my insurer to get an agreement in principle over the costs of the operation. On admission, the patient signs a form acknowledging that he or she is responsible for any costs not covered by the KK.

I was given a cost estimate for the operation, so was prepared. But the good news: so far the bills I've received have been quite a bit less than expected.

While most bills will be dealt with later, either paid by the KK or by you, at the local hospital if you chose an upgrade that cost would be payable when you sign out. (Obviously an upgrade is on your own dime.)

Good luck with your op, hope all goes well.
Reply With Quote
  #5  
Old 10.04.2017, 12:19
Guest
 
Posts: n/a
Re: Operation in hospital - Where does the bill go?

Quote:
View Post
Insurance and you will get a bill for your part that you then still owe to the insurance

which is your franchise + 10% up to 700 CHF.

So if your franchise is, say, 1000CHF it will be 1700 CHF.
Reply With Quote
  #6  
Old 10.04.2017, 15:32
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 19,022
Groaned at 385 Times in 295 Posts
Thanked 18,846 Times in 10,152 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Operation in hospital - Where does the bill go?

Quote:
which is your franchise + 10% up to 700 CHF.

So if your franchise is, say, 1000CHF it will be 1700 CHF.
It depends on the cost of the operation, your assuming 8k it could be less.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #7  
Old 11.04.2017, 01:56
SmithGraham's Avatar
Newbie 1st class
 
Join Date: May 2016
Location: Opfikon
Posts: 11
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
SmithGraham has no particular reputation at present
Re: Operation in hospital - Where does the bill go?

Thanks, all for your responses. My franchise is 300 CHF and it is already gone, so I guess my bill will not be too high.
Reply With Quote
Reply




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
Does UPC send a bill with the router? elastufka TV/internet/telephone 4 13.12.2016 19:11
Where does one go in case of health issues? daffy99 Family matters/health 2 26.01.2016 18:25
who pays? - hospital bill for healthy baby in uncomplicated birth maurerjones Insurance 5 30.10.2014 13:18
Does the medical insurance bill sound right? Black Family matters/health 7 19.02.2012 15:00
Where does 21 year old go out in Lausanne? kopp Entertainment & dining 5 09.01.2008 17:21


All times are GMT +2. The time now is 20:10.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0