Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 01.11.2017, 11:32
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
telemedicine

Has anyone had experience with telemedicine? For example, AssurCall, as of now only valid in Basel-Stadt and Basel-Landschaft.
Reply With Quote
  #2  
Old 01.11.2017, 11:47
Forum Legend
 
Join Date: Aug 2009
Location: Vaud
Posts: 4,569
Groaned at 492 Times in 321 Posts
Thanked 4,100 Times in 1,953 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: telemedicine

Quote:
View Post
Has anyone had experience with telemedicine? For example, AssurCall, as of now only valid in Basel-Stadt and Basel-Landschaft.
Alternative System full of traps and inconvenient, which can possibly end up costing a fortune.

Watch each individual insurance details here: (google translate it)
https://www.frc.ch/fiches-produits/.

Pay attention to the red lines which refers to possible dangers/risks.

FYI, these lists are not entirely accurate and there are even other risks, it's safe to say that they provide a fair warning, not including all possible negative scenario.

The end question is is it worthy? On top of is this "alternative model" suitable for your unique conditions?
Reply With Quote
The following 2 users would like to thank CorsebouTheReturn for this useful post:
  #3  
Old 01.11.2017, 11:48
Forum Veteran
 
Join Date: Nov 2012
Location: Zurich
Posts: 860
Groaned at 5 Times in 5 Posts
Thanked 452 Times in 285 Posts
simple_person has earned the respect of manysimple_person has earned the respect of manysimple_person has earned the respect of many
Re: telemedicine

https://www.englishforum.ch/insuranc...-sanacall.html

Quote:
View Post
Has anyone had experience with telemedicine? For example, AssurCall, as of now only valid in Basel-Stadt and Basel-Landschaft.
Reply With Quote
The following 2 users would like to thank simple_person for this useful post:
  #4  
Old 01.11.2017, 11:57
Forum Legend
 
Join Date: Sep 2007
Location: Kt Zrh
Posts: 5,939
Groaned at 35 Times in 34 Posts
Thanked 9,505 Times in 3,995 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: telemedicine

Read all the threads here, and think about whether the savings are worth it to you.

Having said that, i’ve had telemedicine for 10 years

5 with inova
4 with viva care
1 with swica

I have some chronic health issues, most notably a year where I was treated for cancer and now yearly follow ups.

I would say that innova was quite good, swica is quite good, but viva care/visana service went down hill.

I’ve had no problems, nothing denied and occassionaly useful advice when needed. Make sure you have access to English speaking if you need it, and I would never take the version where their medical advice is binding.
Reply With Quote
The following 2 users would like to thank edot for this useful post:
  #5  
Old 01.11.2017, 12:28
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
The end question is is it worthy? On top of is this "alternative model" suitable for your unique conditions?
Probably not. I have a GP+pharmacy model and would like to avoid that first visit to the GP by getting approval via telemedicine for a specialist, in case I need it. But, Assura's is binding, so a no-go.

On a side note — I wish I could sign for BlocherCare, instead of fake news from a whole bunch of free (!) newspapers.

Last edited by t3m; 01.11.2017 at 12:41.
Reply With Quote
  #6  
Old 01.11.2017, 12:40
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
I have some chronic health issues, most notably a year where I was treated for cancer and now yearly follow ups.
I would say that innova was quite good, swica is quite good, but viva care/visana service went down hill.
Could you please elaborate on the interaction with the physicians? Is it like ticking checkboxes and getting boilerplate instructions? When you have a particular condition like yours, do you each time speak to a different physician? Or, is it more like this?
Reply With Quote
  #7  
Old 01.11.2017, 12:56
Forum Legend
 
Join Date: Aug 2009
Location: Vaud
Posts: 4,569
Groaned at 492 Times in 321 Posts
Thanked 4,100 Times in 1,953 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: telemedicine

Quote:
View Post
Could you please elaborate on the interaction with the physicians? Is it like ticking checkboxes and getting boilerplate instructions? When you have a particular condition like yours, do you each time speak to a different physician? Or, is it more like this?
Many Telemedecine models are using the same call center (Medgate, based in...Basel).
In my experiences it's more like you said, and I was definitely not happy with their services. I remember once when I had to wait more than 20 minutes on the phone, prior to speak to anyone. After complaints, I was told there is another numbers for emergencies, allegedly faster.
There can be difficulties in receiving crucial information also, which can end up costing you a lot of money, as the company can refuse to pay for the treatment(s), hiding behind some rules allegedly not respected.

There are much better alternatives than that risky alternative and where most cost saving are mostly going to the insurance itself and not to the client (you).
Reply With Quote
This user would like to thank CorsebouTheReturn for this useful post:
  #8  
Old 01.11.2017, 13:19
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
In my experiences it's more like you said, and I was definitely not happy with their services. I remember once when I had to wait more than 20 minutes on the phone, prior to speak to anyone. After complaints, I was told there is another numbers for emergencies, allegedly faster.
There can be difficulties in receiving crucial information also, which can end up costing you a lot of money, as the company can refuse to pay for the treatment(s), hiding behind some rules allegedly not respected.
I would probably only use telemedicine if the advice wasn't binding. For now, I use logic+internet and it works better than the slacker physicians I had the bad luck to encounter.

Just curious, how was their general level of, say, expertise that you could grasp as a layman? How about language skills?
Reply With Quote
  #9  
Old 01.11.2017, 13:29
Forum Legend
 
Join Date: Aug 2009
Location: Vaud
Posts: 4,569
Groaned at 492 Times in 321 Posts
Thanked 4,100 Times in 1,953 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: telemedicine

Quote:
View Post
Just curious, how was their general level of, say, expertise that you could grasp as a layman? How about language skills?
I would say it's not about professional or specialized knowledge, it's more about the media itself. The lack of visual clues, the quality of the description given by the patient on the phone, the understanding (or lack of) from the alleged professional on the other line (which is not always a doctor, sometimes it's a in-betweener, a call center agent who deals with admin side, then maybe someone remotely trained to handle calls up to the point of deciding or not to transfer to the real doctor). In my opinion that has a greater influence than the actual level of expertise (whether that level is low or not, which is also a possibility).

As for language skills, I have unpleasant experience, despite being a native in one of the official Swiss language, allegedly supported by the call center. My case is more than that, but it can be as little as misunderstanding one technical/medical/financial word or expression and you can end up having to pay for the consequences.

FYI, read the link given above about sanacall, they record everything, and is use freely as evidence against you or your alleged understanding (apparently they can self proclaimed judge and decide you "clearly understood" something).

Ok I will not waste a single second more of my time for that topic, I am not trying to convince, I raised a fair warning, I let you discover or experience the rest, if you are willing to risk it.
I will personally never ever take that alternative model, even if they would improve or rectify a few things (I am convinced they are not willing/interested/capable of doing that anyway).
Reply With Quote
This user would like to thank CorsebouTheReturn for this useful post:
  #10  
Old 01.11.2017, 14:40
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
FYI, read the link given above about sanacall, they record everything, and is use freely as evidence against you or your alleged understanding (apparently they can self proclaimed judge and decide you "clearly understood" something).
I skimmed through it. It's certainly not encouraging. Medgate serves a bunch of health insurances. I don't know how the others mentioned by @edot work though.
Reply With Quote
  #11  
Old 02.11.2017, 01:29
Forum Legend
 
Join Date: Sep 2007
Location: Kt Zrh
Posts: 5,939
Groaned at 35 Times in 34 Posts
Thanked 9,505 Times in 3,995 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: telemedicine

Quote:
View Post
I skimmed through it. It's certainly not encouraging. Medgate serves a bunch of health insurances. I don't know how the others mentioned by @edot work though.
Swica has their own, as did visana.

an example of how these services are Useful.

Earlier this year i had a wasp bite over the weekend. I took a picture of the bite and sent it to Swica, i spoke to a physician who was American , and she helped me identify that it was a wasp bite. She advised me to watch it and and go to my own doctor if there were further issues. I didn’t have to call back for permission. The bite was at my waist, was irritated by clothing, became infected and I went to my own doctor. Calling swica Gave me enough information to monitor the bite.

In January, I sneezed and broke a blood vessel in front of my retina. The service helped me find an emergency opthalmologist.

We use it for when our doctor‘s offices are closed. It works fine, but again, I will not use the service if it‘s binding.
Reply With Quote
The following 2 users would like to thank edot for this useful post:
  #12  
Old 02.11.2017, 11:54
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
We use it for when our doctor‘s offices are closed. It works fine, but again, I will not use the service if it‘s binding.
How does it work when you need a certificate for work? Do they extend it for you or do you have to go to your GP, let's say for an already known condition or for something seasonal or not serious, like flu?
Reply With Quote
  #13  
Old 02.11.2017, 17:53
Senior Member
 
Join Date: Aug 2009
Location: Zurich
Posts: 467
Groaned at 3 Times in 3 Posts
Thanked 388 Times in 211 Posts
mgosia has an excellent reputationmgosia has an excellent reputationmgosia has an excellent reputationmgosia has an excellent reputation
Re: telemedicine

Strongly advise against it. Quitting Groupe Mutuel / Medi24 Telmed model after 1 year full of problems. Worst was being accused of 'changing my story' after not accepting not being 'allowed' to visit the pediatrician with my 2yo daughter immediately with a problem that seriously worried me (this was our only visit that year so I'm really not an overworried parent). After the employee reluctantly agreed to a visit somehow that call was registered incorrectly and I got a 'punishment point' for not following the rules. After complaining they took it back, but it is still unclear who is responsible for the mistake, Groupe Mutuel or Medi24. Never again will I be negotiating medical treatment with a callcentre employee (that might have some medical training but is definitely not a licensed doctor).

Please note that, if in need of medical advice, it is highly likely your insurance allows you to call these helplines whatever your insurance model anyway. You just won't be forced to agree with it.
Reply With Quote
  #14  
Old 02.11.2017, 20:31
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
Please note that, if in need of medical advice, it is highly likely your insurance allows you to call these helplines whatever your insurance model anyway. You just won't be forced to agree with it.
Hmm...is this just your assumption or do you have concrete information?
Reply With Quote
  #15  
Old 02.11.2017, 20:52
Forum Legend
 
Join Date: Sep 2007
Location: Kt Zrh
Posts: 5,939
Groaned at 35 Times in 34 Posts
Thanked 9,505 Times in 3,995 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: telemedicine

Quote:
View Post
How does it work when you need a certificate for work? Do they extend it for you or do you have to go to your GP, let's say for an already known condition or for something seasonal or not serious, like flu?
I have no idea. Have never needed a certificate - I don’t work.
Reply With Quote
  #16  
Old 02.11.2017, 23:18
John_H's Avatar
Forum Legend
 
Join Date: May 2013
Location: Up above Nyon
Posts: 3,152
Groaned at 83 Times in 51 Posts
Thanked 3,890 Times in 1,550 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Re: telemedicine

Never had the telephone type policy but today I had a meeting with my agent (he comes to the office each year, group deal employer thing).
We - family of 4 have pretty much top policy with choose any specialist, get everything, supplementaries, never see an invoice etc etc.

Out of interest I asked the agent what would be the price difference if i stripped it right back to the vary most basic tele model with no frills, having to pay then send invoices etc.

A bit over 100 chf per month was the answer. So ok, 100 chuffs is 100 chuffs but if it came to it, I'd rather save the 100 chuffs elsewhere. We don't even use it much but it's something i just don't want hassle with.
Reply With Quote
  #17  
Old 03.11.2017, 13:31
Senior Member
 
Join Date: Aug 2009
Location: Zurich
Posts: 467
Groaned at 3 Times in 3 Posts
Thanked 388 Times in 211 Posts
mgosia has an excellent reputationmgosia has an excellent reputationmgosia has an excellent reputationmgosia has an excellent reputation
Re: telemedicine

Quote:
View Post
Hmm...is this just your assumption or do you have concrete information?
e.g. here for Helsana

here for CSS

here for Groupe Mutuel.

Google for 'medizinische beratung' & your favourite insurer
Reply With Quote
This user would like to thank mgosia for this useful post:
  #18  
Old 03.11.2017, 14:48
Senior Member
 
Join Date: Aug 2009
Location: Zurich
Posts: 467
Groaned at 3 Times in 3 Posts
Thanked 388 Times in 211 Posts
mgosia has an excellent reputationmgosia has an excellent reputationmgosia has an excellent reputationmgosia has an excellent reputation
Re: telemedicine

Quote:
View Post
Out of interest I asked the agent what would be the price difference if i stripped it right back to the vary most basic tele model with no frills, having to pay then send invoices etc.

A bit over 100 chf per month was the answer.
Which company is that? I haven't heard of a company that offers both the tiers garant & payant system to choose between. Anyway, for our family of soon 4 the savings are over twice as much with the only difference going through our HMO first which we would do anyway.
Reply With Quote
  #19  
Old 05.11.2017, 16:46
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
Google for 'medizinische beratung' & your favourite insurer
It seems Assura doesn't have one.
Reply With Quote
  #20  
Old 05.11.2017, 16:58
t3m's Avatar
t3m t3m is offline
Senior Member
 
Join Date: May 2013
Location: Gliding Over All
Posts: 298
Groaned at 15 Times in 14 Posts
Thanked 170 Times in 99 Posts
t3m is considered knowledgeablet3m is considered knowledgeablet3m is considered knowledgeable
Re: telemedicine

Quote:
View Post
Never had the telephone type policy but today I had a meeting with my agent (he comes to the office each year, group deal employer thing).
We - family of 4 have pretty much top policy with choose any specialist, get everything, supplementaries, never see an invoice etc etc.

Out of interest I asked the agent what would be the price difference if i stripped it right back to the vary most basic tele model with no frills, having to pay then send invoices etc.

A bit over 100 chf per month was the answer. So ok, 100 chuffs is 100 chuffs but if it came to it, I'd rather save the 100 chuffs elsewhere. We don't even use it much but it's something i just don't want hassle with.
Try comparing not only models from your current insurance, but also other insurances. In a for-profit system like this you're probably overpaying for such a top insurance as you described. That doesn't preclude hassle though.
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



All times are GMT +2. The time now is 16:14.


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