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Old 04.06.2020, 04:50
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Swica Flexible Hospital Ward model

Hello!

Swica has an interesting model for hospitalisation where you would choose your ward before each stay.

You pay less a month and then would have a copay with a max of you choose private or semi private.

The model sounds really good but was wondering if there is any downside I am not catching?

For example I often heard that if you are not privately insured you don't have priority to get a room etc.

Thoughts anyone that may have this model?

K
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Old 04.06.2020, 09:46
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Re: Swica Flexible Hospital Ward model

What drives your interest in this model - a room upgrade, or the possibility of being treated by a more senior doctor?

If it's primarily the first, there might be less expensive options available.

I don't know anything about Swica's offer, but years ago I looked into the CSS version. The plan itself was pretty inexpensive, IIRC only added something like CHF 50 per month. However, there was a copay of CHF 4K (again, IIRC) should you chose to upgrade for a hospital admission.

I chose not to go with that model. If Swica's plan offered a lower copay, perhaps it would be more interesting.

However, when I needed surgery I found out that the hospital offered the possibility of paying privately for a room upgrade. At my local hospital one can pay CHF 200 per day for a single room on the general ward floor or CHF 400 per day for a single room on the private floor. Given that one rarely stays more than a few days, that's a much cheaper option if the driver is wanting more privacy.

At this hospital if one wants to be treated by a more senior doctor, the only option is to pay full private (Chefarzt) or semi private (Oberarzt) out of pocket. There is no upgrade available for treatment. So if expertise of the doctors treating you is your primary driver, then the flex plan is likely a better option, as you are admitted as a private/semi private patient from the outset.

Now - from conversations with friends, whether upgrades are possible and at what price seems to vary widely among hospitals. I think I remember a friend telling me that at the Unispital, for instance, one has to fully upgrade to private or semi-private, and the cost is in the thousands, there is no room-only upgrade. But that's second hand info, so grain o' salt.

I guess Im saying that you'd want to find out what your local hospitals offer. You might find that upgrading out of pocket could be less expensive than the copay for a flex plan from your insurer. Or not.

Something else to consider - does the Swica flex plan offer the possibility of upgrading at a rehab facility? Here is where you'd probably want the privacy of a single room, and since one tends to stay longer an out of pocket upgrade could end up being costly.

As to guarantee of availability - yes, that's an issue. The question would be, how busy does your local hospital tend to be?
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Old 04.06.2020, 10:19
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Re: Swica Flexible Hospital Ward model

Thank you @Meloncollie for your detailed response.

Basically I want to be able to have free choice of hospital and treatment in case of need to ensure best possible outcome, but given we are super healthy (for now - touch wood) I thought this model was good.

Yes it has a copay of 300/day (semi private) and 400/day (private) but with a maximum of 6000 (SP) and 8000 (P) a year. So whilst you would pay similar to what the hospital charges, there is a cap so in case of longer hospitalization you will only pay a certain amount.

You make a valid point about the doctors - I need to read the fineprint since it talks about the room but not the doctors. Meaning I could choose for a private room but potentially not access the Chief Doctor.

Good catch also about the rehab facility. Will check on that too.

Another option is to take out a higher copay on the traditional semi private/model and put the money aside.

Thank you!

K

Last edited by kri; 04.06.2020 at 11:06.
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