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Old 23.05.2018, 11:28
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Favorite Health Insurance Right Now?

I am wondering what is the best insurance right now?

Single male, no dependents. No health issues.

Thanks!
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Old 23.05.2018, 11:33
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Re: Favorite Health Insurance Right Now?

Define "best"
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Old 23.05.2018, 12:40
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Re: Favorite Health Insurance Right Now?

You can't actually switch until the next premium adjustment (conditions yet to be published) becomes effective. So there's no way to answer your question in a manner that is usable by you.

That said, nothing keeps you from giving notice now already. You can always stay if you change your mind.
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Old 24.05.2018, 14:44
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Re: Favorite Health Insurance Right Now?

Does anyone know the best value for money or are they all the same. thanks!
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Old 24.05.2018, 14:52
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Re: Favorite Health Insurance Right Now?

Depends what you consider 'value'.


The basic requirements are generally all the same. I found Assura to be the cheapest.


The basic 'value' options are: go to any doctor right away, or call them first for a pre-diag and find out which doctor you need to go to for coverage.


The higher value come in more luxurious rooms and hospital stays--if needed, and some other non-mandatory perks.


in a nutshell.
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Old 24.05.2018, 15:23
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Re: Favorite Health Insurance Right Now?

comparis.ch
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Old 24.05.2018, 16:13
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Re: Favorite Health Insurance Right Now?

Make sure to check the policy length, it was never mentioned but I got stuck with 5 years before i can change.
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Old 24.05.2018, 17:07
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Re: Favorite Health Insurance Right Now?

After much thought and comparisons I decided for CSS and am super happy with them (arcosana to be precise, but there is no difference apart from the price). I did get a bit of a discount as I insured my whole family, which would not apply to you but still.

Deciding factors were: cheap but established, english interface, clear policy, good telemed (I need 24/7 as I never have time to see a doctor).

You need to study different policies though there are nuances as mentioned earlier. Some give you nice contribution towards glasses if you wear them, some towards gym memberships that is great value, some have superb international cover package if you like being treated abroad.

Hope this helps.
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Old 24.05.2018, 22:39
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Re: Favorite Health Insurance Right Now?

was hoping for the best for travelling.

also can you do it over the phone?
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Old 25.05.2018, 02:58
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Re: Favorite Health Insurance Right Now?

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Make sure to check the policy length, it was never mentioned but I got stuck with 5 years before i can change.
Afaik that only applies to complementary insurance. Basic insurance you can switch every year by giving notice.
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Old 25.05.2018, 16:58
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Re: Favorite Health Insurance Right Now?

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was hoping for the best for travelling.

also can you do it over the phone?
Few tips based on personal experience*:

- Meet someone responsible in the insurance company in person and understand what they offer
- Use comparis, moneyland.ch and many more sites which gives you godo overview on costs
- Stay away from "agents" who sell you great deals
- Look at the period of contract, basic can be changed every year however the riders usually have a 5 year term and tough to get out
- Stay away from "companies" who cold calls you to review your policy and get you a better deal

*I went for a great deal from one of the "agents" who cold called me.
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Old 06.09.2018, 01:08
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Re: Favorite Health Insurance Right Now?

Omg. Please elaborate. I’m about to sign with one of those agents. He was insisting on visana, but when i read the fine print I saw it was for 5 yrs. what other tricks will he try? Thks
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Old 06.09.2018, 07:49
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Re: Favorite Health Insurance Right Now?

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Omg. Please elaborate. I’m about to sign with one of those agents. He was insisting on visana, but when i read the fine print I saw it was for 5 yrs. what other tricks will he try? Thks
Look around on the forum for similar stories about people signing up with agents. Seems to always end in disaster. Proceed with extreme caution.
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Old 06.09.2018, 08:18
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Re: Favorite Health Insurance Right Now?

Assura is by far the best and the cheapest
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Old 06.09.2018, 08:33
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Re: Favorite Health Insurance Right Now?

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Assura is by far the best and the cheapest

They are certainly one of the cheaper policies but in same respect they are certainly not one of the best.


You are making a very basic error of confusing cheap with best; it is rare when the two coincide, it does happen, but not in the case of Assura
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Old 06.09.2018, 09:10
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Re: Favorite Health Insurance Right Now?

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Omg. Please elaborate. I’m about to sign with one of those agents. He was insisting on visana, but when i read the fine print I saw it was for 5 yrs. what other tricks will he try? Thks
If the premium is fixed for 5 years thats a good deal. If they raise the premium you should be able to move, check wording.
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Old 06.09.2018, 09:37
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Re: Favorite Health Insurance Right Now?

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They are certainly one of the cheaper policies but in same respect they are certainly not one of the best.


You are making a very basic error of confusing cheap with best; it is rare when the two coincide, it does happen, but not in the case of Assura
They are basically all the same for the basic insurance. The only thing with Assura is that you have to send all your bills oneself to Assura. Cash payment at the chemist.
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Old 06.09.2018, 10:39
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Re: Favorite Health Insurance Right Now?

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After much thought and comparisons I decided for CSS and am super happy with them (arcosana to be precise, but there is no difference apart from the price).
Hm I went through the process of creating offers on CSS/Arcosana and SWICA (my current), and SWICA turned out to be cheaper / not worth switching to CSS (as I am quite happy with how it works with SWICA at the moment).
Perhaps it's because the CSS calculation is done on their website - is there an Arcosana-specific one, or does the offer need to be made offline?

Last edited by dbucar; 06.09.2018 at 11:49.
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Old 06.09.2018, 10:58
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Re: Favorite Health Insurance Right Now?

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They are basically all the same for the basic insurance. The only thing with Assura is that you have to send all your bills oneself to Assura. Cash payment at the chemist.



.........so how does that make it "one of the best" ?
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Old 07.09.2018, 00:12
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Re: Favorite Health Insurance Right Now?

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Assura is by far the best and the cheapest
unless your time is "cheap" or you never make any claim
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