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Old 29.11.2018, 10:51
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Choosing doctor on basic insurance (in-patient)

Hi all

I was hoping that some of you could shed some light on my confusion. I am pregnant, I have a basic insurance however I can choose my OB gyn for out-patience examinations. The doctor I go to for my regular check-ups says even though I have a basic insurance he can still operate me in the hospitals he have a contract for basic insured people. To give an example, he says he cannot do the same in X hospital because he does not have a contract there for basic insured patients, but if we choose another hospital, let's say hospital Y (I am allowed to choose hospital as I have hospita-general supplementary insurance) he can operate me there.

I am not sure how this works and I am afraid that my insurance comes back and says ''you did go for private so we cannot cover this...'' That would be a nightmare considering the costs!

Any of you happen to have any idea maybe? Is this a known practice in Switzerland?

Thanks much!
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Old 29.11.2018, 11:07
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Re: Choosing doctor on basic insurance (in-patient)

I had a similar situation for something else, also on basic insurance.

I informed my insurance that my doctor wanted to operate in hospital x and they said that that is fine. Just ask them?
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Old 29.11.2018, 11:50
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Re: Choosing doctor on basic insurance (in-patient)

If you have free choice of hospital then I don't understand what the problem is.
With my insurer one has to submit an application for a hospital visit and have it approved before any hospital procedures are performed.
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Old 29.11.2018, 12:28
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Re: Choosing doctor on basic insurance (in-patient)

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If you have free choice of hospital then I don't understand what the problem is.
With my insurer one has to submit an application for a hospital visit and have it approved before any hospital procedures are performed.
I have free choice of hospital but not the doctor so which ever hospital I am in, only junior doctors are allowed to operate me, not the doctor I want to choose.

By letting the insurer know, do you mean Kostengutsprach procedure?
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Old 30.11.2018, 01:58
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Re: Choosing doctor on basic insurance (in-patient)

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I have free choice of hospital but not the doctor so which ever hospital I am in, only junior doctors are allowed to operate me, not the doctor I want to choose.

By letting the insurer know, do you mean Kostengutsprach procedure?

Assura call it

Meldung eines Spitalaufenthaltes


They want you (me) to inform them before any hospital visit so they can approve it.


I believe Kostengutsprache is when the insurer agrees to pay the hospital bills so they don't need to bill you directly.



I would have thought that any doctor can choose to operate on you if you both agree and it's covered under the insurance. I've not heard of being able to choose doctors. I do know that if you opt for private care in the hospital that the more senior doctors come to visit you but I don't think the operations they do are any different. I could be wrong.
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Old 30.11.2018, 08:50
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Re: Choosing doctor on basic insurance (in-patient)

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I do know that if you opt for private care in the hospital that the more senior doctors come to visit you but I don't think the operations they do are any different. I could be wrong.
You're right. If you are a patient with a complex problem, likely a senior doctor will operate, regardless of your coverage. If you are a private patient with a simple problem, likely a junior doctor will operate, though you'll see a senior one for follow up discussions.

Same on the wards....even if you are a private patient, the Assistentarzt and Oberarzt are running things 24/7, with overview from the senior doctors.
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