Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 13.04.2019, 05:28
Karl's Avatar
Forum Veteran
 
Join Date: Sep 2008
Location: Here
Posts: 1,852
Groaned at 174 Times in 78 Posts
Thanked 2,709 Times in 875 Posts
Karl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond repute
Is insulin covered by basic health insurance?

Does anyone have experience on whether insulin prescriptions are covered by basic health insurance in Switzerland? I ask because it runs in my family, and the costs have skyrocketed in the US and it is not always covered by all health insurers.
Reply With Quote
  #2  
Old 13.04.2019, 07:18
Ace1's Avatar
A singular modality
 
Join Date: Sep 2011
Location: Morgins, VS
Posts: 7,389
Groaned at 234 Times in 174 Posts
Thanked 11,908 Times in 5,248 Posts
Ace1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Yes, it will be covered, no problem.

No, I have no experience of this, but Swiss health insurance is required to cover all genuine medical conditions and is not allowed to refuse or increase premiums for pre-existing conditions.
Reply With Quote
This user would like to thank Ace1 for this useful post:
  #3  
Old 13.04.2019, 09:16
Jim2007's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Kt. Bern
Posts: 4,063
Groaned at 98 Times in 83 Posts
Thanked 4,454 Times in 2,134 Posts
Jim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Yes it certainly is as is all associated checkups etc..
Reply With Quote
This user would like to thank Jim2007 for this useful post:
  #4  
Old 13.04.2019, 17:14
Forum Veteran
 
Join Date: Oct 2014
Location: Nyon
Posts: 1,530
Groaned at 57 Times in 39 Posts
Thanked 1,406 Times in 718 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

And it is the doctor that decides on the Insulin (and other medicine) types.
Reply With Quote
  #5  
Old 13.04.2019, 19:26
Dougal's Breakfast's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Ostschweiz
Posts: 17,846
Groaned at 1,114 Times in 866 Posts
Thanked 48,077 Times in 14,836 Posts
Dougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Quote:
View Post
Does anyone have experience on whether insulin prescriptions are covered by basic health insurance in Switzerland? I ask because it runs in my family, and the costs have skyrocketed in the US and it is not always covered by all health insurers.
Yes.

And if your doctor asks nicely, you can even get the insurance to pay for a new flash monitor every fortnight.
Reply With Quote
This user would like to thank Dougal's Breakfast for this useful post:
  #6  
Old 13.04.2019, 20:13
Forum Veteran
 
Join Date: Oct 2014
Location: Nyon
Posts: 1,530
Groaned at 57 Times in 39 Posts
Thanked 1,406 Times in 718 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Quote:
View Post
Yes.

And if your doctor asks nicely, you can even get the insurance to pay for a new flash monitor every fortnight.
If you are referring to the Abbott Free Style Libre a prescription is required. But it is on the list for reimbursement. - For almost two years now.

I’ve got a copy of the announcement (somewhere) that I could post here or send you via PM.
Reply With Quote
This user would like to thank bowlie for this useful post:
  #7  
Old 13.04.2019, 21:05
Markarina's Avatar
Forum Veteran
 
Join Date: Aug 2011
Location: Bern
Posts: 987
Groaned at 6 Times in 4 Posts
Thanked 901 Times in 449 Posts
Markarina has an excellent reputationMarkarina has an excellent reputationMarkarina has an excellent reputationMarkarina has an excellent reputation
Re: Is insulin covered by basic health insurance?

yes, my insulin is covered by insurance, depending on the type and severity of the diabetes the CGM system may be covered as well, you get the reader for free and have to pay about 15chf for a sensor that last two weeks, that's based on the freestyle libre system.
Reply With Quote
  #8  
Old 13.04.2019, 21:17
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 716
Groaned at 9 Times in 6 Posts
Thanked 476 Times in 282 Posts
catandmouse has earned some respectcatandmouse has earned some respect
Re: Is insulin covered by basic health insurance?

I'm a type 1 diabetic, using an insulin pump for delivery of insulin and the Freestyle Libre system to measure my glucose values.
The rent of the pump, the consumables for the pump, the insulin and the Freestyle Libre sensors are all covered by my basic health insurance (obviously after payment of the franchise and 10% self costs). Some years I go slightly over the limits for the sensors and consumables, but very left over for me to pay.
In any case the insulin and other medication I take are all covered.
Reply With Quote
This user would like to thank catandmouse for this useful post:
  #9  
Old 13.04.2019, 22:23
Dougal's Breakfast's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Ostschweiz
Posts: 17,846
Groaned at 1,114 Times in 866 Posts
Thanked 48,077 Times in 14,836 Posts
Dougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond reputeDougal's Breakfast has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Karl, you'll have noticed a lot of comments about the Freestyle Libre system here. If you've already heard of this, please skip this post.

If your doctor recommends it, you get a sensor every two weeks, which sits painlessly in the skin on your upper arm (recommended) or thigh or belly (not recommended, but plenty of people do it) and constantly(ish) measures your blood glucose level. You can check it anytime you like with a dedicated machine or an app on your phone. It saves a lot of bother and mess with finger pricking, and is handy because you get to see your stats whenever you like, as long as you check regularly (the sensor in your arm has an eight hour memory).

As Bowlie mentioned above, if the doctor prescribes it, the insurance will cover it. It really is a game changer: one wave of the phone and you know how your sugar is going, instantly, with no bloody tissues or alcohol swabs flying all over the place.

So that's what we're all talking about.
Reply With Quote
The following 2 users would like to thank Dougal's Breakfast for this useful post:
  #10  
Old 14.04.2019, 00:02
araqyl's Avatar
Forum Veteran
 
Join Date: Jul 2008
Location: Zurich, West-side
Posts: 1,636
Groaned at 6 Times in 5 Posts
Thanked 730 Times in 421 Posts
araqyl has a reputation beyond reputearaqyl has a reputation beyond reputearaqyl has a reputation beyond reputearaqyl has a reputation beyond reputearaqyl has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Quote:
View Post
As Bowlie mentioned above, if the doctor prescribes it, the insurance will cover it. It really is a game changer: one wave of the phone and you know how your sugar is going, instantly, with no bloody tissues or alcohol swabs flying all over the place.

So that's what we're all talking about.
An added advantage is that you can have friends/family get updates on your BGLs whenever you check with your phone as well, as long as you're all connected to the internet ... it helps a bit with a teenager who's off at work as well, and we don't see each other often during the day but it's nice to be reassured that his sugar's not too far out of line.
Reply With Quote
The following 3 users would like to thank araqyl for this useful post:
  #11  
Old 14.04.2019, 08:55
Forum Veteran
 
Join Date: Oct 2014
Location: Nyon
Posts: 1,530
Groaned at 57 Times in 39 Posts
Thanked 1,406 Times in 718 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

I’ve got a miaomiao (seriously) transmitter that sits in top of my sensor and transmits the glucose data by Bluetooth to my phone. It allows you, amongst other things, to set alarms if your bs is going low, or high, in the middle of the night.

www.diabetika.es www.miaomiao.eu are european distributors or they can be had from China. www.miaomiao.cool

The mm costs about $199 plus $15 shipping (from China) (€185 including shipping from the EU) and is not reimbursed, but it is a one-off cost.

Using my fsl and mm has allowed me to reduce my A1c from 7.5 to 6.2 over last couple of years.

www.freestylelibre.ch
Reply With Quote
The following 5 users would like to thank bowlie for this useful post:
  #12  
Old 14.04.2019, 16:42
Karl's Avatar
Forum Veteran
 
Join Date: Sep 2008
Location: Here
Posts: 1,852
Groaned at 174 Times in 78 Posts
Thanked 2,709 Times in 875 Posts
Karl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Wow, lot's of good information on an important topic, thanks everyone! I don't actually have diabetes, but I wouldn't rule out getting it later down the road. I just wanted to be sure we are financially set to deal with it if it comes, and with standard health insurance, it looks like it's no-worries here in paradise. Certainly not the case in America.
Reply With Quote
  #13  
Old 14.04.2019, 16:50
Forum Veteran
 
Join Date: Oct 2014
Location: Nyon
Posts: 1,530
Groaned at 57 Times in 39 Posts
Thanked 1,406 Times in 718 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Having family members with T1 or T2 diabetes is no guarantee that you will get either. Keep your weight down, avoid unnecessary carbs and stay healthy.
Reply With Quote
This user would like to thank bowlie for this useful post:
  #14  
Old 14.04.2019, 23:16
araqyl's Avatar
Forum Veteran
 
Join Date: Jul 2008
Location: Zurich, West-side
Posts: 1,636
Groaned at 6 Times in 5 Posts
Thanked 730 Times in 421 Posts
araqyl has a reputation beyond reputearaqyl has a reputation beyond reputearaqyl has a reputation beyond reputearaqyl has a reputation beyond reputearaqyl has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Quote:
View Post
Having family members with T1 or T2 diabetes is no guarantee that you will get either. Keep your weight down, avoid unnecessary carbs and stay healthy.
None of these will prevent T1 if it's going to come ... but at least you can reduce the risk of T2.
Reply With Quote
  #15  
Old 14.04.2019, 23:20
Newbie 1st class
 
Join Date: Dec 2017
Location: Zurich
Posts: 24
Groaned at 4 Times in 3 Posts
Thanked 15 Times in 11 Posts
NotSwissEnough has no particular reputation at present
Re: Is insulin covered by basic health insurance?

Quote:
View Post
Yes, it will be covered, no problem.

No, I have no experience of this, but Swiss health insurance is required to cover all genuine medical conditions and is not allowed to refuse or increase premiums for pre-existing conditions.
In practice, this isn't always true. I've had to cover several treatments on my own, especially during pregnancy since the cheaper treatment was contraindicated by pregnancy. I was expected to simply take 6 months of sickness leave (followed by 5 months of maternity leave?). Instead I ended up paying for the treatment myself. An extra 3500chf in order to be functional for 6 months. It was worth it, but be prepared to have the insurance fight you on many things if your situation is not the typical one. Also, make sure to keep an emergency fund for such costs.
Reply With Quote
  #16  
Old 14.04.2019, 23:22
Newbie 1st class
 
Join Date: Dec 2017
Location: Zurich
Posts: 24
Groaned at 4 Times in 3 Posts
Thanked 15 Times in 11 Posts
NotSwissEnough has no particular reputation at present
Re: Is insulin covered by basic health insurance?

Quote:
View Post
If you are referring to the Abbott Free Style Libre a prescription is required. But it is on the list for reimbursement. - For almost two years now.

Iíve got a copy of the announcement (somewhere) that I could post here or send you via PM.
You can buy this online without a prescription, but it's nowhere nearly as accurate as a Dexcom G6. It's worth the extra cost.
Reply With Quote
  #17  
Old 15.04.2019, 11:11
Forum Veteran
 
Join Date: Oct 2014
Location: Nyon
Posts: 1,530
Groaned at 57 Times in 39 Posts
Thanked 1,406 Times in 718 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Is insulin covered by basic health insurance?

Quote:
View Post
You can buy this online without a prescription, but it's nowhere nearly as accurate as a Dexcom G6. It's worth the extra cost.
You need the prescription for the reimbursement.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Are x-rays covered by basic health insurance Aussie92 Insurance 1 14.11.2012 10:58
Baby vaccination covered by basic health insurance? Mutti01 Insurance 8 05.03.2011 23:39
Psychiatrists covered by basic health insurance? lindalee Insurance 3 21.07.2008 18:11
Maybe it's me that I'm stupid, but... [Is surgery covered by basic health insurance?] Tweener Insurance 1 05.02.2008 02:27
What is covered by the Basic [health] insurance? sparks1061 Insurance 0 07.04.2007 10:20


All times are GMT +2. The time now is 15:58.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0