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Old 08.12.2017, 04:36
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Estimate Health Insurance for Family of 4

Hi,
How much is an average health insurance (like a PP0) monthly in Switzerland for a family of 4 (2 kids, and ages 40's and 50's), with a low deductible (around $300-400 deductable.
Just estimates of what everyone pays on average.
Tried comparis, and it came to about (Sfr 1400/months) which seems high.
Here is the US, the company pays a lot, and we only pay $250/month in addition to the deductable and the a $20 copay ($40 for specialist)

Thank you for any insights.
We are in salary negotiations for a move to Switzerland and health insurance is something we need to have under consideration.
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Old 08.12.2017, 05:12
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Re: Estimate Health Insurance for Family of 4

Comparis is right, this is the figure you should expect for basic insurance (KVG) with low deductible.
There is also this government website for comparing premiums:
https://www.priminfo.admin.ch/de/praemien

One way to reduce monthly premiums is to use the alternative models offered by different providers. For example, we use "Telmed" (available from several providers), where you are obliged to call a hotline (and follow their instructions) before going to the doctor. It works great for our specific circumstances (the kids rarely get sick, and the nearest pediatrician is 30 km away in any case).

For your info, in our area (prices vary by area), the absolute cheapest insurance you can get for an adult is about 200/month (with a restrictive alternative model and with a high yearly deductible of 2500).
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Old 08.12.2017, 06:33
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Re: Estimate Health Insurance for Family of 4

I'd say it's a little high.. We are more like 950 per month .. Family of four with policy including supplementary and not one of the cheaper policy models.

Some of that is paid by employer too.
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Old 08.12.2017, 08:40
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Re: Estimate Health Insurance for Family of 4

If you want lower premiums then you could also go for a higher franchise - that's the way it works here so no good comparing to the US model. Bear in mind though that you have to cough up that franchise first for any medical treatment. So if you opt for the highest - 2,500 - then any bills you get you'll have to pay directly until that 2,500 is used up. Only then will the insurance company start picking up most of the bills - you'll still have to pay 10% of the next 7,000's worth treatment (700). After that any treatment is free - until the start of the new year when it all reverts back to the beginning.

Also bear in mind that the ones in the family who don't work need to add accident insurance to their health insurance policies. People employed for more than 8 hours a week are covered for accident insurance by their employers, but people not working aren't. So if you haven't included that in your calculations that will also add a few francs more a month to your premiums.
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