Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 25.07.2008, 03:36
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 483
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Vaudoises beware!

As you may already know, some cantons in Switzerland are split into zones. The law says a maximum of 3 per canton.

There are few cantons with 3 zones - Zurich, Berne, Vaud, for example.
others with 2 - Valais, Fribourg
and others (usually the smaller ones) without - e.g. Geneva.

The zones are not geographic but they do determine premiums for basic insurance (no change for supplementary).

Now........

As of the 1st of January 2009, the zones in Vaud will change.

Zone 3 will disappear and become Zone 2.

Most of Zone 2 will become Zone 1 (but not all of it)

What does this mean?

Well, as a general rule the premiums in zone 1 of any canton are higher than those in zone 2. Therefore, if you are currently in a zone 2 area in Vaud (Vevey, Montreux, Chavannes, Ecublens, Morges, Nyon, Gland etc. etc.) your premiums are likely to go up for 2009.

N.B. This is in no way linked to your company putting the premiums up! It is as if you were moving house.

If you are in Vaud and would like more info., just let me know

(For anyone living in Lausanne, this won't affect you at all )
__________________
Inswift Srl
Reply With Quote
The following 4 users would like to thank jenny for this useful post:
  #2  
Old 25.07.2008, 12:25
miniMia's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: romandie
Posts: 9,971
Groaned at 101 Times in 92 Posts
Thanked 9,106 Times in 4,522 Posts
miniMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond repute
Re: Vaudoises beware!

It's a good think I'm leaving then!!
Just joking...

Do you have a map of the zones in Vaud?
Reply With Quote
  #3  
Old 25.07.2008, 14:22
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 483
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Vaudoises beware!

No, there is no map as the zones are not necessarily geographic. What's your postcode?
Reply With Quote
  #4  
Old 25.07.2008, 15:19
NatsBrit's Avatar
Forum Veteran
 
Join Date: Apr 2007
Location: Lausanne / Weybridge UK
Posts: 501
Groaned at 10 Times in 5 Posts
Thanked 241 Times in 166 Posts
NatsBrit is considered knowledgeableNatsBrit is considered knowledgeableNatsBrit is considered knowledgeable
Re: Vaudoises beware!

Hi Jenny

Thanks for this, it great to know someone shares this type of info with us

Is this relevant for all insurances (car, household content, building etc)

Do you know what is happening to Savigny (1073) - sorry I know this is a selfish question and probably isn't valif for many EFers

Thanks
Nats
Reply With Quote
  #5  
Old 26.07.2008, 21:25
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 483
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Vaudoises beware!

This is only relevant for health insurance.

1073 Savigny is currently zone 2 and will change to a zone 1 as of 01.01
Reply With Quote
This user would like to thank jenny for this useful post:
  #6  
Old 26.07.2008, 21:39
Eire's Avatar
Forum Legend
 
Join Date: Feb 2007
Location: Tir na ng
Posts: 3,628
Groaned at 54 Times in 35 Posts
Thanked 2,388 Times in 1,209 Posts
Eire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond repute
Re: Vaudoises beware!

How does geographical location effect health insurance, that makes no sense.

An overweight, smoker suffering from type 2 diabetes who drinks a crate of beer every day and takes no exercise can pay less insurance then someone who exercises regularly, doesn't smoke or drink based on living a few km's apart... that's ridiculous.

That's like saying someone who crashes cars on a regular basis is a less of a risk then someone who has never had an accident because they live closer to a river!
Reply With Quote
  #7  
Old 26.07.2008, 21:45
Nathu's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: Zrich
Posts: 4,521
Groaned at 18 Times in 16 Posts
Thanked 2,208 Times in 1,248 Posts
Nathu has a reputation beyond reputeNathu has a reputation beyond reputeNathu has a reputation beyond reputeNathu has a reputation beyond reputeNathu has a reputation beyond reputeNathu has a reputation beyond repute
Re: Vaudoises beware!

There is a correlation between doctor density and the frequency people get medical treatment. Some rural areas like Appenzell are significantly below the national average.

Of course that can be interpreted as a chicken vs. egg situation...
Reply With Quote
  #8  
Old 26.07.2008, 21:52
Eire's Avatar
Forum Legend
 
Join Date: Feb 2007
Location: Tir na ng
Posts: 3,628
Groaned at 54 Times in 35 Posts
Thanked 2,388 Times in 1,209 Posts
Eire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond reputeEire has a reputation beyond repute
Re: Vaudoises beware!

Quote:
View Post
There is a correlation between doctor density and the frequency people get medical treatment. Some rural areas like Appenzell are significantly below the national average.

Of course that can be interpreted as a chicken vs. egg situation...
Yea, but insurance is based on sharing the risk. People who are at a higher risk generally pay a higher premium (I know, someone is going to mention risk equalisation etc. I'm being a little simplistic)... but the distribution of the service the insurance is required for should not affect the risk of the person paying the premium. It seems very unfair to me, or am I missing something?
Reply With Quote
  #9  
Old 27.07.2008, 00:03
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 483
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Vaudoises beware!

Insurance is based on solidarity and in that sense yes, is based on sharing the risk.

However, the risk is only shared with the other people who are insured in your own company - not with those of another company.

Nathu is correct in that statistically, people who have to drive 20 minutes to see a GP go less to the doctor than someone living in a town with a doctor living/working next door.
They tend to only visit a doctor when they really need to.

If people in cities visited doctors at the same frequency as those in the countryside then premiums would be the same across the board (in theory).

It's not only doctor density though, it is also based on consumption and hospital prices.

That's just the way it is over here. There's not much I can do about it. I just have to work in this system and pay my premiums like everyone else - I too am going from zone 2 to zone 1

Another point which might interest you is that in general, women pay more for supplementary/complementary than men of the same age purely because of maternity. Should men pay more for their supplementary because of women having high hospitalisation costs at the time of birth?

Probably. But then, what about women who can't have children? They still pay more than men whose wives are having children - the same as women who can have children. Is that fair?

We could separate the insurance out even further and have "maternity" and "non-maternity" options but the prices for the maternity option would be ridiculous.

We could go on and on for hours with all sorts of examples about what we feel the fairest system would be and why the current one isn't etc.

I just put this thread up to warn us Vaudois of the upcoming change.

Right, postcode anyone?

__________________
Inswift Srl
Reply With Quote
This user would like to thank jenny for this useful post:
  #10  
Old 27.07.2008, 00:57
NatsBrit's Avatar
Forum Veteran
 
Join Date: Apr 2007
Location: Lausanne / Weybridge UK
Posts: 501
Groaned at 10 Times in 5 Posts
Thanked 241 Times in 166 Posts
NatsBrit is considered knowledgeableNatsBrit is considered knowledgeableNatsBrit is considered knowledgeable
Re: Vaudoises beware!

Do you have any idea of what the percentage increase may be???



Thanks
Nats
Reply With Quote
  #11  
Old 27.07.2008, 08:33
ChrisW's Avatar
Forum Veteran
 
Join Date: Sep 2006
Location: Lausanne (or out on my bike)
Posts: 1,780
Groaned at 8 Times in 6 Posts
Thanked 856 Times in 495 Posts
ChrisW has a reputation beyond reputeChrisW has a reputation beyond reputeChrisW has a reputation beyond reputeChrisW has a reputation beyond reputeChrisW has a reputation beyond repute
Re: Vaudoises beware!

I've also heard that premiums in Vaud are already some of the highest in the country - apparently the local culture encourages more frequent visits to the doctor than does the culture in other parts of the country.
Reply With Quote
  #12  
Old 28.07.2008, 00:19
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 483
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Vaudoises beware!

Quote:
View Post
Do you have any idea of what the percentage increase may be???

Thanks
Nats
It's not gonna be huge.

Apparantly there'll be around a 2% increase in general (depending on who you're with) at the end of this year anyway.

The changing of zones will put this up a little.

Example.

For adults (26+) Assura MF (their GP method) without accident at 1'500.- is currently :

zone 2 : 204.90
zone 1 : 224.80

If this goes up by about 2% = 229.30

If you're currently in a zone 2 area, in this example, your premiums will go up by about 25.-/month (300.- p.a.)

Like I say, we won't be 100% certain of the premiums before October.
__________________
Inswift Srl
Reply With Quote
This user would like to thank jenny for this useful post:
  #13  
Old 28.07.2008, 08:49
Guest
 
Posts: n/a
Re: Vaudoises beware!

Thanks for the postings. How about 1299?
Reply With Quote
  #14  
Old 28.07.2008, 14:10
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 483
Groaned at 0 Times in 0 Posts
Thanked 256 Times in 119 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Vaudoises beware!

Hi there,

I was in 1299 just last week! Had a great evening

Yep, 1299 is changing to zone 1 too.
Reply With Quote
Reply

Tags
lamal, premiums, zones




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
Disturbing: Flashers - are they common? big mclargehuge Daily life 55 29.07.2008 14:14
Driving in France Beware ! Blonaybear Transportation/driving 20 15.07.2008 11:07
beware of fake indian food resturants RivellaFan Complaints corner 26 24.04.2008 11:45
Motorcycle Power - beware. Filton Kingswood Transportation/driving 10 23.08.2007 23:27


All times are GMT +2. The time now is 15:34.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2023, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0