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Old 12.06.2019, 12:10
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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The difference between basic and supplementary sometimes is trivial. For example, our experience with the Reha clinic: it didn't matter if you had supplemental and could have a room to yourself, there were not enough rooms to allow for single beds, so you had to share with another person (two per room, unless a person was in VERY bad shape); another difference was that those with supplemental could have "free" coffee throughout the day, as opposed to those with basic, who could have it at breakfast, lunch, and dinner. Otherwise, everything else, especially the therapy, was the same.

Supplemental comes in handy if you need home assistance, and of course, other extra things offered in the plan. We don't gave a lot of experience with this, since we don't have it, but the basic insurance covers some help (which is assessed), and one pays the copays. However, being sick is an expensive endeavor, the expenses associated with the health insurance are only a part of it.

For planning purposes, for a family, I would insure equally well both partners due to the fact that if the main earner gets sick, everything falls on the lower earner, and best to avoid the all too common situation where a couple's income takes a nose dive because they didn't plan carefully. In addition, if something goes wrong with the lower (or zero) earner, and especially if there are children involved, then things could get very stressful.
I completely agree with all of the above, but want to add one more piece - Supplemental also gives the ability to choose surgeons and people at the top of their field sometimes require it. If you are in A&E then thats not much benefit, but if you are looking at elective surgery in the future - knees, hips, cancer specialists, new fields whatever then being able to say "I want this specialist here" is really a good thing to be able to do.
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  #22  
Old 12.06.2019, 12:50
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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I lived in CH aged 32 to 52 & never once had medical bills exceeding 1,000.
The maths works heavily in favour of the insured to have a big deductible unless you know there is something wrong with you that will require constant care.
As I understand it, when you had your big ski accident last year, you were no longer living in Switzerland. For the sake of our understanding of the insurances. .. how would those costs have worked had you continued to live I Switzerland and been insured here?
(Hope your back continues to recover well!)
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Old 12.06.2019, 13:46
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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As I understand it, when you had your big ski accident last year, you were no longer living in Switzerland. For the sake of our understanding of the insurances. .. how would those costs have worked had you continued to live I Switzerland and been insured here?
(Hope your back continues to recover well!)

The key is in the word "ACCIDENT"
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Old 12.06.2019, 13:52
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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But if you have a chronic illness, the lower the franchise the better.

My wife was diagnosed with cancer in November. I changed to a 300 franchise immediately. No question or objection from the insurance company. This year we have paid 350 plus 10% of the next 7,500 and now are paying nothing for the rest of the year. Had she been diagnosed in December it would have been much worse.

Bowlie, most sorry to hear about your good lady, i do hope she is weel on the road to rfecovery, if only to keep you under control


The difference between the two options is more a case of when you pay, regularly each month or as an additional payment.



Low deductible = High premium
High deductible = Low premium


The bit you pay yourself, either in the form of higher premium OR higher deductible works out very closely, the difference is really minimal.


Your gain is if you do not use the insurance or very rarely then you pay a lower premium and no deductible.


Run it through Comparis, you'll soon see the difference
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Old 12.06.2019, 14:41
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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The difference between basic and supplementary sometimes is trivial. For example, our experience with the Reha clinic: it didn't matter if you had supplemental and could have a room to yourself, there were not enough rooms to allow for single beds, so you had to share with another person
Conversely, although we had basic insurance, my wife had her own room for the period before and after the birth of on of our children (she had to be induced), as the shared rooms were full and there was a single room available.

I agree with what Mikers wrote - don't base your decisions on your age but the overall health of yourself and perhaps your genetic family.

It was pretty clear amongst my family and friends who was going to need a lot of hospital stays and who probably wouldn't.
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Old 12.06.2019, 15:26
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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The key is in the word "ACCIDENT"
The other thing is whether it was accident insurance through work (no deductible), or health insurance (normal deductable).

Tom
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Old 12.06.2019, 15:28
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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The other thing is whether it was accident insurance through work (no deductible), or health insurance (normal deductable).

Tom

Must have been under health insurance, it's a well know fact Fatmanfilms doesn't work
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Old 12.06.2019, 15:28
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Re: Going to a 300chf excess Heal Ins plan in advance before certain ages... worth it

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As I understand it, when you had your big ski accident last year, you were no longer living in Switzerland. For the sake of our understanding of the insurances. .. how would those costs have worked had you continued to live I Switzerland and been insured here?
(Hope your back continues to recover well!)
It would have been covered in full by work Accident insurance with zero excess. As I did not have an EHIC card (Swiss residents do) my private insurance BUPA was billed just over 20,000 from the French hospitals (EHIC card holders get an 80% discount). I had a 2,000 excess however my season ski insurance (49.95) picked up that & a few other expenses paying me out 3300 in addition to picking up a helicopter bill of 2850. I think it had an excess of 250.

Back is still improving month by month, thank you for asking.
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