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  #21  
Old 13.01.2018, 14:21
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Re: Will I ever be approved for supplementary health insurance?

Thanks- that is interesting and, as said, unusual, so you were lucky too.

As said, age, weight, type of pre-existing, smoker or not, BP, etc- will all make a difference.
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  #22  
Old 13.01.2018, 14:55
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Re: Will I ever be approved for supplementary health insurance?

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Thanks- that is interesting and, as said, unusual, so you were lucky too.

As said, age, weight, type of pre-existing, smoker or not, BP, etc- will all make a difference.
It was ironic really as the thing the requested more info about was something that was unlikely to be a problem in the future. The ongoing chronic condition they didn't seem concerned about.

As it happens they ended up paying out a lot of money this year for something completely different.
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  #23  
Old 13.01.2018, 19:15
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Re: Will I ever be approved for supplementary health insurance?

Early last year I was refused a Private upgrade from Semi-private with my insurer. I admitted yearly seasonal hay fever. I was also a bit overweight. This was in reaction to visiting an ex-colleague in the private ward in Triemlispital.

Since last Autumn Iíve had an Op for Pancreatic and Lymphnode cancer (multiple tumors) and am undergoing Radio and Chemotherapy. Yesterday I had a mole removed which is apparently not unusual during Radiotherapy.

I havenít been dropped from Semi-private by my insurer yet.

What I can say in Tremli is that even the general wards are now a max of 2 to a room which is the Semi-private level. Having spent more than a month in hospital last year, itís not too bad sharing as you usually need sleep or can't sleep due to why youíre there.

In Triemli SP is +700 a day with Private +1000 a day. If you switch during your stay though they charge you the difference from admission. They also can require a deposit, of 25k or so.

I was told by Nurses that the supplemental insurance may have made a difference when I presented with pain and weight loss to the GP and was initially referred to a specialist who eventually agreed to send me for a CAT scan which led to my condition being established (my symptoms were otherwise non-specific).

So, depending on the clinician, having supplemental may mean you get referrals sooner, especially with conditions where early diagnosis improves survival outcomes. Diagnosis confirmation to my Op was 10 days, or 6 weeks from initial presentation.
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  #24  
Old 13.01.2018, 21:08
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Re: Will I ever be approved for supplementary health insurance?

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Thank-you to all, especially meloncollie for your informative responses.

The reason why we wanted supplementary cover is mainly because of my cancer experience. My Dr. would only perform operations at a private hospital, therefore we had to spend quite a bit of money in order to have her complete the surgery. I would have been happy to have the operation anywhere as long as she was my Dr.. The hospital was in Zurich and similar to staying in a 5-star hotel. Not a requirement at all, but it did provide quite a bit of comfort during a otherwise stressful time. I remember laughing often during my hospital stay as it was nothing like I had ever experienced in my life coming from the US health system. Should anything return, it would be nice to know I could have the option to return to a familiar place with a Dr. I trust. I would also want my husband to have the same.
YouĎre in Basel now? You could check with Cancer Support Basel, itĎs an informal group, mostly women, mostly breast cancer, but they might have some suggestions for good docs.

https://cancersupportbasel.wordpress.com
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  #25  
Old 14.01.2018, 04:47
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Re: Will I ever be approved for supplementary health insurance?

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In Triemli SP is +700 a day with Private +1000 a day. If you switch during your stay though they charge you the difference from admission. They also can require a deposit, of 25k or so.
Magyir, is this price for an accomodation-only upgrade at Triemli, or for a medical care upgrade as well?


---

Wishing you all the best with your treatment and recovery, Magyir.

Last edited by meloncollie; 14.01.2018 at 05:07.
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  #26  
Old 14.01.2018, 11:00
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Re: Will I ever be approved for supplementary health insurance?

I paid approx 5k CHF for semi private care, that included doctors (which was the more important part for me)
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  #27  
Old 15.01.2018, 00:35
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Re: Will I ever be approved for supplementary health insurance?

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I paid approx 5k CHF for semi private care, that included doctors (which was the more important part for me)
If you don't mind my asking, was that fee on top of what basic insurance paid?

Years ago, I was told that unlike an upgrade for accommodation, in order to be treated by a senior doctor I would have to pay the entire hospitalization out of pocket, that a 'top up' to the fee paid by basic insurance for the cost of medical care wasn't allowed. It was either treatment under basic, or care by a more senior doctor paid fully outside the Swiss insurance system.

As so much of what I had been told years ago seems to have either been a (ahem) misunderstanding or rules have since changed - is one now generally able to upgrade for medical care with basic insurance still paying it's share?
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Old 16.01.2018, 15:27
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Re: Will I ever be approved for supplementary health insurance?

I inquired about a upgrading a room in a hospital about two years ago. They quoted me a price that was over 10.000CHF. They told me that I can not just simply pay the upgrade room price but the entire surgery fee as well. The hospital told me too many people gets a basic insurance and wants to just upgrade the room with small fee so they don't allow that anymore. I was told that if I want a semi private or private room, I will have to upgrade my insurance to semi private or private. I wonder if every hospital has a different rules when it comes to upgrading a room?

I have to say every time I was hospitalized, I shared a room with only one other person(kind of like a semi-private room). It wasn't too bad...
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  #29  
Old 16.01.2018, 15:30
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Re: Will I ever be approved for supplementary health insurance?

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If you don't mind my asking, was that fee on top of what basic insurance paid?
Yes. For another surgeon, anaesthesist etc etc and hospital care
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  #30  
Old 16.01.2018, 16:17
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Re: Will I ever be approved for supplementary health insurance?

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I wonder if every hospital has a different rules when it comes to upgrading a room?
It certainly seems like there are not set rules to upgrades, from comments on this thread each hospital seems doing it's own thing.

As my earlier post, at the small local hospital I was able to upgrade to a private room on the basic floor for a very reasonable fee. (Regular rooms under basic here are all 4 to a room.)

I was fortunate that I did not need to pay an additional fee to the surgeon, even though he was a consultant. Sheer luck there - or rather, the GP's connections.

A single room on the basic floor was sufficient for me, as with surgery the aftercare is entirely in the hands of the nursing staff, there is no further involvement from a doctor, so upgrading beyond a surgeon's fee (if needed) would not have made much sense.

But this is a small hospital, can't hold a candle to the city hospitals in terms of expertise, reputation, or availability of advanced treatment.

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The hospital told me too many people gets a basic insurance and wants to just upgrade the room with small fee so they don't allow that anymore.
It's too bad that this seems to be the perception. I'd guess that many of us would have been more than happy to pay for private insurance if we had been able to get it. Sadly, for many moving here as adults private is not an option due to the large number of disqualifying factors.

---

The 5 figure upgrade costs from major hospitals quoted here are changing my mind again. Now I'm worried as to whether I'd be able to access care for things beyond the limited capabilities of the local hospital - which includes most illness someone my age might encounter. At the rates quoted here for the major hospitals, I wonder if I'd be better off heading home for any life-threatening illness.

Just when I thought I had 'how to navigate the Swiss system' figured out...
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  #31  
Old 16.01.2018, 16:45
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Re: Will I ever be approved for supplementary health insurance?

Itís so variable. I am having my knee surgery at the kantonal spital in Winterthur. I saw two surgeons at my inital visit, the chief and one of the assistants. When I was assigned a surgery date, I was told that the chief would do my surgery. I might have some complicating factors, it might be because I was referred by another surgeon who knows the chief well, or itís just dumb luck.

Iíll probably be in a 4 person room. Obviously, Iíd prefer fewer people but thatís the least of my concerns. For 4-5 days, i might have crappy food, but as long as I have good drugs and headphones, It should be fine.

For cancer treatment, I had private, excellent doctors. Only one night in hospital, so it hardly mattered.

Physician choice is critical, and so far the lack of supplimental has not impacted that....but weíll have to see.
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