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Old 14.08.2020, 11:29
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Health Insurance and Doctor recommendations

Hello everyone,

My husband and I have just moved to Rougemont from central London. Our 22 year old son is living in London so it's just the two of us and the dog!

We are looking into complementary health insurance options ASAP (hopefully without any medical exclusions!).
Does anyone have experience with Swica, SwissLife or Generali Global Health/Opal?

Also, if anyone is living in/near Rougemont/Chateau d'Oex, do you have any good experiences with any local hospitals and doctors there that you can recommend, incl. GP, OB-GYN, dentist, etc?

Thanks very much in advance.

All best wishes to everyone in the forum,
Lina
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Old 14.08.2020, 13:25
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Re: Health Insurance and Doctor recommendations

I canít talk about the area or doctor recommendations, but I can highly recommend SWICA. Weíve been on it since we arrived almost 10 years ago and itís been great.
We went full private, which is quite expensive (about CHF500 each per month), but then there are no restrictions. We can go to any doctor without checking with them, worldwide and our franchise (excess) is only CHF300 per year. They also contribute CHF800 per year for the gym or sport. They even pay for my daughterís ballet lessons.
Submitting invoices is also really easy. We have an account manager who looks after us and we just scan or take a photo of invoices and email her. Itís then paid very quickly.
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Old 14.08.2020, 14:02
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Re: Health Insurance and Doctor recommendations

Found Swica very annoying for the sign up of supplementary insurance. Very long process, lots and lots of questions that made no sense, always additional questions.

Example:
I declared shoulder pain in December. Went to the Osteopath 6 times and was fixed. They asked for a doctor diagnosis. I did not go to doctor. Well they need a diagnosis anyway, why don't I do one?
Etc etc etc
All like this for minor things. (2 adults and 2 children, no chronic conditions, never operated etc).

In the end after 6 weeks of this I gave up.

Now with Visana.
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Old 14.08.2020, 14:40
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Re: Health Insurance and Doctor recommendations

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I declared shoulder pain in December. Went to the Osteopath 6 times and was fixed. They asked for a doctor diagnosis. I did not go to doctor. Well they need a diagnosis anyway, why don't I do one?.
I donít think this would be unique to SWICA at all and this is very common practice. If you get treatment from a non medical practitioner then the condition must be diagnosed by a medical practitioner and that treatment must be prescribed.
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Old 14.08.2020, 17:20
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Re: Health Insurance and Doctor recommendations

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Hello everyone,

My husband and I have just moved to Rougemont from central London. Our 22 year old son is living in London so it's just the two of us and the dog!

We are looking into complementary health insurance options ASAP (hopefully without any medical exclusions!).
Does anyone have experience with Swica, SwissLife or Generali Global Health/Opal?

Also, if anyone is living in/near Rougemont/Chateau d'Oex, do you have any good experiences with any local hospitals and doctors there that you can recommend, incl. GP, OB-GYN, dentist, etc?

Thanks very much in advance.

All best wishes to everyone in the forum,
Lina
Thank you everyone for the replies to my query re. Swiss health insurance. I appreciate it very much.
I have heard overall good things from Swica. Just waiting to hear back from them with an offer.
All the best and stay well everyone,
Lina
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Old 14.08.2020, 20:44
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Re: Health Insurance and Doctor recommendations

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I donít think this would be unique to SWICA at all and this is very common practice. If you get treatment from a non medical practitioner then the condition must be diagnosed by a medical practitioner and that treatment must be prescribed.
No, it depends on the policy. The issue here is that I did not visit the doc and did not have a diagnosis and it saves 8 months ago and the suggestion to perhaps name a diagnosis myself is just stupid.
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Old 15.08.2020, 08:30
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Re: Health Insurance and Doctor recommendations

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No, it depends on the policy. The issue here is that I did not visit the doc and did not have a diagnosis and it saves 8 months ago and the suggestion to perhaps name a diagnosis myself is just stupid.

I have the top policy from SWICA, one cannot get any additions to it, it's literally all the 'bells and whistles'. If I want to go to the physio, then I need to go to my doctor first and get a 'prescription'.


You say that the suggestion that you make a diagnosis is stupid, but that is exactly what you did. You decided that you had 'XYZ' and the best course of action was to visit an osteopath.



I think that the health insurance is well within their right not to reimburse you.


Anyway, I hope you shoulder got better regardless.
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Old 15.08.2020, 09:39
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Re: Health Insurance and Doctor recommendations

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I have the top policy from SWICA, one cannot get any additions to it, it's literally all the 'bells and whistles'. If I want to go to the physio, then I need to go to my doctor first and get a 'prescription'.


You say that the suggestion that you make a diagnosis is stupid, but that is exactly what you did. You decided that you had 'XYZ' and the best course of action was to visit an osteopath.



I think that the health insurance is well within their right not to reimburse you.


Anyway, I hope you shoulder got better regardless.
As I understand it this was just the questionnaire for signing up for insurance not for a reimbursement.
Itís pretty common for the supplementary insurance to want to know a full medical history and pre-existing conditions before accepting a new customer as their aim is to limit their risk.
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Old 15.08.2020, 10:55
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Re: Health Insurance and Doctor recommendations

Basic insurance is obligatory and no insurance company can refuse to insure you. It's governed by a law called the LAMAL (in French).
Supplementary insurance is covered by private insurance regulations and the insurance companies can choose whether or no to insure and under which conditions. If you do want supplementary insurance, you will almost certainly have to fill in a questionnaire. On the basis of the responses the insurance company may exclude certain treatments from the insurance. You should fill in the questionnaire very carefully as if the insurance company subsequently discovers errors, it may well exclude all treatments, including those not connected with the error.
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Old 15.08.2020, 22:25
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Re: Health Insurance and Doctor recommendations

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I have the top policy from SWICA, one cannot get any additions to it, it's literally all the 'bells and whistles'. If I want to go to the physio, then I need to go to my doctor first and get a 'prescription'.


You say that the suggestion that you make a diagnosis is stupid, but that is exactly what you did. You decided that you had 'XYZ' and the best course of action was to visit an osteopath.



I think that the health insurance is well within their right not to reimburse you.


Anyway, I hope you shoulder got better regardless.
Don't think you understood....
I had shoulder pain. Visited Osteopath. It cleared.
I put this on the Swica questionnaire to get supplementary insurance. They wanted a doctor diagnosis for something that happened 8 months ago and for which I did not visit a doctor. I find their suggestion that I make a diagnosis stupid. As I am not a doctor. And no doctor can make one 8 months later.
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Old 15.08.2020, 22:28
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Re: Health Insurance and Doctor recommendations

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As I understand it this was just the questionnaire for signing up for insurance not for a reimbursement.
Itís pretty common for the supplementary insurance to want to know a full medical history and pre-existing conditions before accepting a new customer as their aim is to limit their risk.
Yes exactly - thank you.
I understand their risk assessment approach and I filled in the questionnaire super accurately +incidentally they want lifetime issues versus 5 yes which is what most other insurances want)
I just found the insurance for something which I consider minor too much. And every week new questions. Again all personal but we just gave up as was just too long and tedious and frankly not professional in our case
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