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Old 28.12.2017, 15:32
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Which insurance plan is right for me?

Hello,

When I arrived in CH, I was warned by migrationsamt that I shall choose health insurance carefully depending on what I do need and that I should pay attention to small print otherwise I may get very high unwanted expenses.

Here is what I am very likely going to need:
1) Almost certain I would need a psychologist/psychiatrist
2) Likely I may need surgical removal (not just classic extraction) of non-erupted wisdom teeth. This is usually some very expensive and also complicated stuff performed by oral or jaw surgeon.

Then,

3) Health insurance has to have automated exchange of data when using health services and pharma. This means no paying out of pocket and then sending bills (with limited validity period) to insurance company in order to get reimbursement. Everything should be automated, i.e. just showing that health insurance card and that's it.

4) Customer support line in English. Hopefully paperwork would be in English as well

5) Absolutely no telmed option.
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Old 28.12.2017, 15:35
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Re: Which insurance plan is right for me?

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3) Health insurance has to have automated exchange of data when using health services and pharma. This means no paying out of pocket and then sending bills (with limited validity period) to insurance company in order to get reimbursement. Everything should be automated, i.e. just showing that health insurance card and that's it.
There´s always a deductible you have to pay so better sign up for e-invoices with your provider.
And it depends on your doctor as well. My previous GP sent a bill, the current one invoices the insurance and the insurance e-invoices me what I have to pay
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Old 28.12.2017, 17:31
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Re: Which insurance plan is right for me?

For the wisdom teeth you must first go through the dentist route. A GP would not touch it.
Even for non surgical procedures, you will probably end up getting ripped off for thousands before you get anywhere near a hospital referral (based on experience).
Dental insurance would probably not cover you for pre existing problems.
Probably cheaper to get the impacted wisdom teeth done in england. I had my jaw broken with a steel rod to get mine out.
Much cheaper than here - bupa.
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Old 28.12.2017, 17:41
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Re: Which insurance plan is right for me?

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For the wisdom teeth you must first go through the dentist route. A GP would not touch it.
Even for non surgical procedures, you will probably end up getting ripped off for thousands before you get anywhere near a hospital referral (based on experience).
Dental insurance would probably not cover you for pre existing problems.
????


I'm not well aware of whole health insurance picture in CH, but here is just simple calculation for the most expensive premium in worst case scenario:

premium: CHF400/month
deductible: 300/year
out-of-pocket costs: 700chf/year
total cost per year = premium*12 months+deductible+out-of-pocket cost = CHF5800

That's CHF5800 per year and you're saying that this doesn't cover dental services?
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Old 28.12.2017, 17:52
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Re: Which insurance plan is right for me?

100 percent not
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Old 28.12.2017, 17:54
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Re: Which insurance plan is right for me?

Or opticians nowadays - just special eye problems
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Old 28.12.2017, 18:03
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Re: Which insurance plan is right for me?

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????


I'm not well aware of whole health insurance picture in CH, but here is just simple calculation for the most expensive premium in worst case scenario:

premium: CHF400/month
deductible: 300/year
out-of-pocket costs: 700chf/year
total cost per year = premium*12 months+deductible+out-of-pocket cost = CHF5800

That's CHF5800 per year and you're saying that this doesn't cover dental services?
Potatoairlines,

Here is a pretty good summary of what is covered under basic insurance, as well as a discussion of some limitations. Some of your questions might be answered here.

https://en.comparis.ch/krankenkassen...geversicherung

You can also apply for supplemental insurance coverage if you want insurance against some of the things not covered under basic insurance. These packages will vary quite a bit from one insurer to another, both in what is covered and in price. These supplementary insurance packages generally also deny coverage, either in total or wrt certain treatments, for those with pre-existing conditions. Whether supplemental insurance makes financial sense for you is an individual consideration.

It can seem like a confusing system at first, but once you research the details a bit it starts to make more sense. So read the link discussing basic insurance, then ask us any further questions that might arise.
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Old 28.12.2017, 19:28
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Re: Which insurance plan is right for me?

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...
1) Almost certain I would need a psychologist/psychiatrist
2) Likely I may need surgical removal (not just classic extraction) of non-erupted wisdom teeth. This is usually some very expensive and also complicated stuff performed by oral or jaw surgeon.
3) Health insurance has to have automated exchange of data when using health services and pharma. This means no paying out of pocket and then sending bills (with limited validity period) to insurance company in order to get reimbursement. Everything should be automated, i.e. just showing that health insurance card and that's it.
4) Customer support line in English. Hopefully paperwork would be in English as well
5) Absolutely no telmed option.
For your needs, I recommend Swica. Not the cheapest, but I've never had any trouble.

For point 3 - mostly it's automated, but not always. I think this is probably the same with all insurers. You won't find one where it's always automated. With Swica, I've always been reimbursed very quickly - often getting the reimbursement into my account before the payments left it.

For point 5 - most offer it. Just choose not to have it.
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Old 28.12.2017, 20:13
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Re: Which insurance plan is right for me?

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Hello,

When I arrived in CH, I was warned by migrationsamt that I shall choose health insurance carefully depending on what I do need and that I should pay attention to small print otherwise I may get very high unwanted expenses.

Here is what I am very likely going to need:
1) Almost certain I would need a psychologist/psychiatrist
2) Likely I may need surgical removal (not just classic extraction) of non-erupted wisdom teeth. This is usually some very expensive and also complicated stuff performed by oral or jaw surgeon.

Then,

3) Health insurance has to have automated exchange of data when using health services and pharma. This means no paying out of pocket and then sending bills (with limited validity period) to insurance company in order to get reimbursement. Everything should be automated, i.e. just showing that health insurance card and that's it.

4) Customer support line in English. Hopefully paperwork would be in English as well

5) Absolutely no telmed option.
I'm sorry folks, but I can't bite my tongue any longer:

Why TF don't you do what the rest of us did and find out your options the way everyone else does / did.

Might require you getting your thumb out of a particular place though.
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Old 28.12.2017, 21:02
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Re: Which insurance plan is right for me?

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I'm sorry folks, but I can't bite my tongue any longer:

Why TF don't you do what the rest of us did and find out your options the way everyone else does / did.

Might require you getting your thumb out of a particular place though.
i did it so you can bitch.

now please leave my thread.

Last edited by potatoairlines; 28.12.2017 at 21:14.
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  #11  
Old 28.12.2017, 21:26
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Re: Which insurance plan is right for me?

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i did it so you can bitch.

now please leave my thread.
DONE.

But for heavens sakes there's been an influx of questions like yours.
Why on Earth don't you research the normal channels i.e. Health Insurance companies.

There's a wealth of information out there on the Internet, and some people are just too lazy to get it themselves.
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Old 28.12.2017, 23:02
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Re: Which insurance plan is right for me?

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2) Likely I may need surgical removal (not just classic extraction) of non-erupted wisdom teeth. This is usually some very expensive and also complicated stuff performed by oral or jaw surgeon.
Dental is not usually a part of standard health insurances, you need to buy a special insurance and pay very close attention to the terms. Most such insurances are a joke once you read the terms and understand what they actually cover

IMHO whole dental industry in CH is a joke. Take a vacation in some nice eastern european country, do your dental work there, paying out of pocket. In total your vacation will likely cost less than dentist visits alone in CH.
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Old 28.12.2017, 23:08
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Re: Which insurance plan is right for me?

Standard health insurance doesn't cover dental treatment. You can purchase supplementary dental insurance, but very few people do. It's expensive and would almost certainly not cover existing conditions.
I had a wisdom tooth extracted about 18 months ago. I believe I paid around 300 CHF for the privilege.
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Old 28.12.2017, 23:46
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Re: Which insurance plan is right for me?

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DONE.

But for heavens sakes there's been an influx of questions like yours.
Why on Earth don't you research the normal channels i.e. Health Insurance companies.

There's a wealth of information out there on the Internet, and some people are just too lazy to get it themselves.
comparis.ch probably answers all OP's questions
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