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  #21  
Old 15.11.2018, 15:22
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Re: Insurance for 2019

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And 100CHF more a month than Assura
No.
Exactly 30.70CHF difference for 2500CHF franchise (and even not with the same model, but lowest, Telmed for Assura vs. HMO for Swica), with my parameters.
Absolutely worth it for me, if only for the fact I can speak English with them (and there are a few other conveniences).

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https://www.priminfo.admin.ch/de/praemien
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  #22  
Old 27.11.2018, 01:03
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Re: Insurance for 2019

I've heard GM health insurance offers a possibility of having 0CHF deductible as adult, under condition that you undergo medical treatments only in hospital. However, if you go to doctor anywhere else you pay normal deductible.



Can somebody elaborate on this?
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  #23  
Old 27.11.2018, 10:33
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Re: Insurance for 2019

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I've heard GM health insurance offers a possibility of having 0CHF deductible as adult, under condition that you undergo medical treatments only in hospital. However, if you go to doctor anywhere else you pay normal deductible.

Can somebody elaborate on this?
Who would have though General Motors do mandatory Swiss health insurance. Amazing!
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  #24  
Old 27.11.2018, 10:52
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Re: Insurance for 2019

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Who would have though General Motors do mandatory Swiss health insurance. Amazing!



Let's hope it's at a higher quality than their cars then......
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  #25  
Old 27.11.2018, 16:48
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Re: Insurance for 2019

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Let's hope it's at a higher quality than their cars then......
I hear the people from Victorinox are lending them a hand.
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  #26  
Old 27.11.2018, 17:37
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Re: Insurance for 2019

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With the 3rd child on the way I don't know how it works for the mother, somebody else will need to comment because special payment regulations may apply during pregnancy (I suspect she'll want the lowest deductible)
Between the 13th week of pregnancy and 8 weeks after the birth you do not have to pay anything out of deductible, pregnancy related or not. For baby you want 0 deductible as there will be many checkups in the first year.
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  #27  
Old 27.11.2018, 17:47
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Re: Insurance for 2019

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Cheapest is Assura. But you have to do the paperwork



I'm with Assura and as long as you've crossed all the t's and dotted all the i's they're just fine. If there's any issue they simply do not pay out and no explanation follows. What has changed this year is that if the amount is high enough the pharmacy can bill them directly. Nowadays I just go to the pharmacy, pick up the meds and there's zero paperwork.
For the money I save it's worth it. I also pay yearly and get a small discount for that.
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  #28  
Old 27.11.2018, 17:53
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Re: Insurance for 2019

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I registered with CSS.. All paperwork in English. Prices are not too bad.

I found them to be totally incompetent. They messed up my transfer to them and then 8 months later issued me a betreibung with no warning.
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  #29  
Old 27.11.2018, 19:06
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Re: Insurance for 2019

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Personally, I wouldn't sweat it too much because you can always change your mind next year for the mandatory part (you have the additional cancel date June 30 if you have minimum deductible but in this case too, I wouldn't make that the reason to chose minimum deductible).

Generally speaking you want either the highest deductible or the lowest. A healthy person, in particular a male (no visits to the gynecologist), will want the highest deductible. When in doubt, if you're reasonably well off you probably want to pick the highest as well. With the 3rd child on the way I don't know how it works for the mother, somebody else will need to comment because special payment regulations may apply during pregnancy (I suspect she'll want the lowest deductible).

Currently I'm with KPT, model chosen is KPTWin.doc, this is the Hausarzt" model. You provide the contact details of the GP you generally consult and whom under this model you must(!) consult first (except for emergencies if the GP can't be reached, or if you're away from home). When I chose this one it was perhaps 5% more expensive than the absolute cheapest (more like 10% more now) but things work like a charm: I visit the doc, he may send me to a specialist, both send the bill to KPT, KPT then bills me for the balance I owe.

The premium also depends on where you live. So for your friend in Zurich model X with insurance A may be (among the) cheapest whereas for your place of residence the same may be even among the most expensive for model X (50% more than the cheapest few wouldn't be unheard of).

Language is a non-issue for me as I'm born and raised here so I can't really comment. However I haven't had contact with them beyond standard brochures, the annual bill (I pay annually in return for a small rebate) and the bill for whenever I had to visit the doc.

comparis.ch may not list all providers/models available to you because insurers must pay Comparis to be listed. www.priminfo.ch OTOH is guaranteed to list all insurers with all their models available in your commune (Gemeinde) as it's a government web site.

Hello,
In the GP model, do you have to visit your GP or can you call him as well? I am just trying to understand the difference with TELMED model. As I understand, on TELMED, you call the GP and he may refer you to a specialist.
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  #30  
Old 27.11.2018, 19:13
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Re: Insurance for 2019

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Hello,
In the GP model, do you have to visit your GP or can you call him as well? I am just trying to understand the difference with TELMED model. As I understand, on TELMED, you call the GP and he may refer you to a specialist.



With telmed, it's as it's written. Generally you call a call center and they will then allow you to see a doctor or not. Depending on your plan that doctor might be free choice or limited to a list of doctors or practices.
Similar plans exist but instead of calling you go and speak to a pharmacist, in a pharmacy.
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  #31  
Old 29.11.2018, 11:12
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Re: Insurance for 2019

We have had Assura for more than 10 years, no Problem at all. Even when they don't pay some amount, there is Explanation attached.


2 years ago we switched to Swica, much more expensive, for sure they have english version, and a lot of other services. But it all depends on the expectation. If you are young and have generally good health, it may not be worth paying the high amount. But if you want to have good supplementary covery, it would be good option.
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