Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 23.10.2017, 10:13
Junior Member
 
Join Date: Jul 2012
Location: Zurich area (Staefa)
Posts: 35
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 7 Posts
splishsplash has no particular reputation at present
advice on health insurance provider - 2018

We've been with Group Mutuel since our arrival here (2012) and our premiums have gone up 8% per year for the last 3 years in a row. So we wanted to switch in 2018 to a less pricey provider. Is anyone happy with their insurance (price/quality-wise) and could recommend another provider?
Thanks in advance for any advice.
Reply With Quote
  #2  
Old 23.10.2017, 14:26
Senior Member
 
Join Date: Nov 2010
Location: Zurich
Posts: 299
Groaned at 12 Times in 10 Posts
Thanked 107 Times in 63 Posts
Harrie Nak is considered knowledgeableHarrie Nak is considered knowledgeableHarrie Nak is considered knowledgeable
Re: advice on health insurance provider - 2018

Quote:
View Post
We've been with Group Mutuel since our arrival here (2012) and our premiums have gone up 8% per year for the last 3 years in a row. So we wanted to switch in 2018 to a less pricey provider. Is anyone happy with their insurance (price/quality-wise) and could recommend another provider?
Thanks in advance for any advice.
I think they've gone up for every provider. Simply seems how it works out here.
Reply With Quote
  #3  
Old 23.10.2017, 14:28
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery-Courtion
Posts: 18,241
Groaned at 302 Times in 234 Posts
Thanked 13,428 Times in 7,699 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: advice on health insurance provider - 2018

Yes, same here. I think they've all been increased the last few years. Still, we've been quite happy with CSS.
Reply With Quote
  #4  
Old 23.10.2017, 16:28
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 5,356
Groaned at 171 Times in 145 Posts
Thanked 6,829 Times in 3,510 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: advice on health insurance provider - 2018

If you have maximum deductible you've roughly halved the premium due. To simplify and statistically speaking, thus the bottom 50% are paid by you before the insurance kicks in.

Now, health costs typically rise by 5% annually but your deductible remains the same as does your payment ceiling (deductible plus 10% of the first 7k paid for by the insurance). As a consequence the portion of the total costs that need to be financed by your premiums increase faster than 5% annually, 8% is seems a good ballpark figure.

So your premium increases are probably in line with what's to be expected. If you started out with an inexpensive insurance you're probably still close to the bottom, otherwise there will be a nice one-time reduction in premiums.

In both cases though your premium going forward is likely to rise roughly at the same pace it did so far.
Reply With Quote
  #5  
Old 23.10.2017, 16:28
Junior Member
 
Join Date: Mar 2013
Location: Zurich
Posts: 67
Groaned at 1 Time in 1 Post
Thanked 31 Times in 22 Posts
zurichcouple has become a little unpopular
Re: advice on health insurance provider - 2018

Never had a Problem with our Provider SWICA, but here also, the premiums have gone up
Reply With Quote
  #6  
Old 23.10.2017, 21:44
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 11,921
Groaned at 590 Times in 377 Posts
Thanked 11,543 Times in 5,939 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: advice on health insurance provider - 2018

I like to think Visana is the best insurance in Switzerland, in over 25 years there has never been any scandalous news.

BUT, they are about the most expensive, unless you choose the HMO policy, when they are one of the cheapest.

https://www.priminfo.admin.ch/de/praemien
Reply With Quote
This user would like to thank Sbrinz for this useful post:
  #7  
Old 24.10.2017, 12:19
Forum Veteran
 
Join Date: Feb 2014
Location: The World
Posts: 1,223
Groaned at 220 Times in 129 Posts
Thanked 958 Times in 545 Posts
Capo is considered unworthyCapo is considered unworthyCapo is considered unworthyCapo is considered unworthy
Re: advice on health insurance provider - 2018

I can't be happier with the price of my health insurance, even with the painful raises. What I spend with it is WAY WAY less than what I would have to pay in taxes in my home country to have a lower quality heath service.
Reply With Quote
  #8  
Old 24.10.2017, 12:41
Samaire13's Avatar
Forum Legend
 
Join Date: Apr 2014
Location: CH
Posts: 3,569
Groaned at 83 Times in 68 Posts
Thanked 5,604 Times in 2,153 Posts
Samaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond repute
Re: advice on health insurance provider - 2018

I've been with Helsana for a long time now and my premiums have gone up, but not by 8% every year. Then again I have good coverage with low deductible and pay quite a lot to begin with (not sure there is a connection though).

Premiums tend to go up every year with every provider, for various reasons.
Reply With Quote
  #9  
Old 24.10.2017, 12:45
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 11,921
Groaned at 590 Times in 377 Posts
Thanked 11,543 Times in 5,939 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: advice on health insurance provider - 2018

I claim from Canton Fribourg for financial help with my insurance.

Because the price for my Visana HMO policy is below the average level of the canton health insurance policies, the Canton refunds me Fr 18 every month!

Last year I complained they had made a mistake, but no, I received a letter confirming the monthly Fr 18 refund.

I challenge you to find a cheaper health insurance policy!!!!!!!!!!!!!!!!!!!!!!

My premium will increase by 4% in 2018.
Reply With Quote
  #10  
Old 09.11.2017, 17:21
Junior Member
 
Join Date: Dec 2008
Location: Oerlikon
Posts: 40
Groaned at 6 Times in 3 Posts
Thanked 16 Times in 10 Posts
richwinklesky has annoyed a few people around hererichwinklesky has annoyed a few people around here
Re: advice on health insurance provider - 2018

Been with Groupe Mutuel several years now, and only in the last 3 years do i seem to experience more pain wrt premiiums. I'm relatively happy with what they cover, so from what I'm reading, I'd rather stay put than start experiencing the "glitches" in another insurance company.
Reply With Quote
  #11  
Old 09.11.2017, 17:28
Forum Legend
 
Join Date: Sep 2010
Location: Neuchatel
Posts: 21,325
Groaned at 451 Times in 342 Posts
Thanked 24,285 Times in 11,041 Posts
Odile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond repute
Re: advice on health insurance provider - 2018

Best hurry up if you want to change- as resignation has to arrive at your old insurers by 30th of November, or will not be valid.

Bon à Savoir consumer magazines advises using great care with brokers- as they only make commission on supplemental insurance- and will not advise for the best buy for you and family, but for the one where they earn the best commission. Make sure you are fully aware what you sign for. They also advise sending your resignation by recorded delivery, as they do sometimes 'get lost'. And remember basic and supplemental at 2 totally separate contracts.

Last edited by Odile; 09.11.2017 at 17:44.
Reply With Quote
  #12  
Old 09.11.2017, 18:22
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Neuchâtel
Posts: 9,682
Groaned at 81 Times in 76 Posts
Thanked 13,443 Times in 5,976 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: advice on health insurance provider - 2018

Quote:
View Post
Been with Groupe Mutuel several years now, and only in the last 3 years do i seem to experience more pain wrt premiiums. I'm relatively happy with what they cover, so from what I'm reading, I'd rather stay put than start experiencing the "glitches" in another insurance company.
This is our feeling too. We have been very happy in our dealings with them and they have paid out an awful lot for me this year so we’re sticking with them for now.
Reply With Quote
  #13  
Old 09.11.2017, 21:13
Forum Legend
 
Join Date: Sep 2007
Location: Kt Zh
Posts: 5,409
Groaned at 27 Times in 26 Posts
Thanked 7,880 Times in 3,412 Posts
edot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond reputeedot has a reputation beyond repute
Re: advice on health insurance provider - 2018

Quote:
View Post
I like to think Visana is the best insurance in Switzerland, in over 25 years there has never been any scandalous news.

BUT, they are about the most expensive, unless you choose the HMO policy, when they are one of the cheapest.

https://www.priminfo.admin.ch/de/praemien
I think Visana might be better in the Romandie and Bern. We were very happy with them in Bern, but not so once we moved to Zurich (Winterthur). I think the biggest problem was lack of English speaking in Winterthur, so if your German is good, might not be an issue. Since we have telmed, it was also my experience that the phone staff was downright nasty a few times and had a lot of trouble finding my doctors. So we switched to SWICA and it is fine.
Reply With Quote
  #14  
Old 23.11.2017, 01:24
Junior Member
 
Join Date: Oct 2012
Location: Zurich
Posts: 67
Groaned at 0 Times in 0 Posts
Thanked 7 Times in 5 Posts
tintin26 has no particular reputation at present
Re: advice on health insurance provider - 2018

Assura is waaaay cheaper !

Quote:
View Post
I claim from Canton Fribourg for financial help with my insurance.

Because the price for my Visana HMO policy is below the average level of the canton health insurance policies, the Canton refunds me Fr 18 every month!

Last year I complained they had made a mistake, but no, I received a letter confirming the monthly Fr 18 refund.

I challenge you to find a cheaper health insurance policy!!!!!!!!!!!!!!!!!!!!!!

My premium will increase by 4% in 2018.
Reply With Quote
  #15  
Old 23.11.2017, 07:20
lvchilla's Avatar
Newbie 1st class
 
Join Date: Jan 2016
Location: Dietikon
Posts: 15
Groaned at 3 Times in 1 Post
Thanked 4 Times in 3 Posts
lvchilla has no particular reputation at present
Re: advice on health insurance provider - 2018

I moved here in 2015 and have been with Santas since then.
Premium has gone up in 2016 2017 and now 2018.

I pay around 290.- with a 2500.- deductible.

I registered for an account on their website just to be able to see the insurance information online and there I saw that I could change my deductible from 2500.- to 300.- and my monthly premium would change from 290.- to around 360.-


This almost doesn't make any sense, and I've been thinking about changing it. If im already paying 290.- might as well pay 360.- and actually go in and check whats been going on with my body and get some tests done and then next year I could change it back down.

what do you guys think?
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
Swiss insurance provider for health insurance abroad Azztrick Insurance 1 17.02.2013 23:31
Advice on the basic health insurance cover Jack75 Insurance 9 07.08.2012 10:07
Health Insurance Provider (Moneysaver) RobM Insurance 1 16.04.2011 15:40
Health Insurance - which provider to choose jimjams Insurance 29 27.05.2009 11:08
Single Health Insurance Provider Nickj Insurance 13 20.02.2007 18:03


All times are GMT +2. The time now is 19:06.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0