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Old 26.08.2020, 18:00
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Could you please sense-check my CCS health insurance package? :)

Hi! I recently moved to Switzerland and the time has come to take out basic health insurance.

I ran a price comparison on comparis.ch and CCS came out on top.

I'm thinking of going with following options:
Basic insurance
Model: HMO (seems good value and I don't really know any better)
Deductible: CHF 2,500pa
Price: CHF 186.55pm

Supplementary insurance
Option: myFlex Outpatient Insurance - Balance
- Covers 90% of the cost of prescribed medication (this would be nice for my asthma/eczema meds)
- Covers Emergency transport and repatriation
- Covers glasses and contact lenses for up to CHF 150pa (I will easily spend that on contact lenses)
Price: CHF 18.30pm

TOTAL PRICE: CHF 204.85pm
A little bit about me:
- I'm in my early 30s
- I typically go to the doctor 2-3 times per year (mainly for asthma/eczema check-ups/prescriptions)
- I need medication for asthma and eczema (~CHF 300pa)
- I attend 1-2 dental check-ups per year (no underlying problems with my teeth)
- I wear glasses and contact lenses
- I regularly mountain bike and ski (I'm mentioning these as they're fairly high risk activities)
- Otherwise I'm in good shape and healthy
Does my selection above make sense? Thanks in advance for your help!
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Old 26.08.2020, 19:00
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Re: Could you please sense-check my CCS health insurance package? :)

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Hi! I recently moved to Switzerland and the time has come to take out basic health insurance.

I ran a price comparison on comparis.ch and CCS came out on top.

I'm thinking of going with following options:
Basic insurance
Model: HMO (seems good value and I don't really know any better)
Deductible: CHF 2,500pa
Price: CHF 186.55pm

Supplementary insurance
Option: myFlex Outpatient Insurance - Balance
- Covers 90% of the cost of prescribed medication (this would be nice for my asthma/eczema meds)
- Covers Emergency transport and repatriation
- Covers glasses and contact lenses for up to CHF 150pa (I will easily spend that on contact lenses)
Price: CHF 18.30pm

TOTAL PRICE: CHF 204.85pm
A little bit about me:
- I'm in my early 30s
- I typically go to the doctor 2-3 times per year (mainly for asthma/eczema check-ups/prescriptions)
- I need medication for asthma and eczema (~CHF 300pa)
- I attend 1-2 dental check-ups per year (no underlying problems with my teeth)
- I wear glasses and contact lenses
- I regularly mountain bike and ski (I'm mentioning these as they're fairly high risk activities)
- Otherwise I'm in good shape and healthy
Does my selection above make sense? Thanks in advance for your help!
They might refuse you supplementary insurance because you have asthma.
In my case Assura refused me supplementary and travel insurance since I admitted I have asthma. So I took the lowest franchise 300 because my yearly costs are exceeding the difference between the highest and lowest franchise.
FD: 150-200 chf
Specialist: 350-400 chf
Foster spray 1/ month : 70x 12 = 840 chf
So minimum 1300chf per year which is higher than the franchise difference.

BR
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Old 26.08.2020, 19:06
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Re: Could you please sense-check my CCS health insurance package? :)

Darn, I didn't know that they can refuse you! I presume that keeping quiet about the asthma isn't really an option...?
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Old 26.08.2020, 19:17
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Re: Could you please sense-check my CCS health insurance package? :)

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Darn, I didn't know that they can refuse you! I presume that keeping quiet about the asthma isn't really an option...?
They can't refuse you for the mandatory insurance, only for supplemental.
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Old 26.08.2020, 19:17
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Re: Could you please sense-check my CCS health insurance package? :)

They can't refuse you basic insurance which is more than enough, but yes supplementary would be nice to have.
Also I'd advise you choose an insurance that doesn't ask you to pay and you ask for refund, rather that insurance gets the bill and after they send you what you should pay.
I thinking to switch from Assura to Helsana since the premium cost is the same in my Canton and wouldn't have to pay directly to doctors/labs.
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Old 26.08.2020, 19:17
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Re: Could you please sense-check my CCS health insurance package? :)

Most medication gets covered under the basic package anyway. This concerns everything in the 'Specialitaetenliste' (SL) that you can search for active ingredients here: http://www.xn--spezialittenliste-yqb...Type=SUBSTANCE - you will have to figure out the german name of it though!

If on the SL, your 300pa medication will have to be paid out of pocket from your deductible, also if you would get supplementary insurance.

The medication cover of supplemental concerns medication that is NOT listed on the SL and also not on some other lists https://swupp.ch/blog/krankenkasse/m...nlp-sl-lppv-km. Each supplementary insurance can carry their own list of medications they specifically pay, or refuse to pay for.

I also agree with srdjee that with a chronic disease like asthma you would be better off with a lower deductible, but you should make that calculation for yourself.
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Old 26.08.2020, 19:22
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Re: Could you please sense-check my CCS health insurance package? :)

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Also I'd advise you choose an insurance that doesn't ask you to pay and you ask for refund, rather that insurance gets the bill and after they send you what you should pay.
That's an interesting point. Do you happen to know whether CSS pays upfront?
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Old 26.08.2020, 19:23
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Re: Could you please sense-check my CCS health insurance package? :)

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They can't refuse you basic insurance which is more than enough, but yes supplementary would be nice to have.
Also I'd advise you choose an insurance that doesn't ask you to pay and you ask for refund, rather that insurance gets the bill and after they send you what you should pay.
CSS do that and have for years. Think it was early 2000s when they switched from us having to pay and get a refund to direct billing from the medical side.
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Old 26.08.2020, 19:26
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Re: Could you please sense-check my CCS health insurance package? :)

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Most medication gets covered under the basic package anyway.
So are you saying that I would not be charged for most ordinary medicines, even if I choose a CHF 2,500 deductible?

All of the medicines that I take, I can find on the website that you specified:


Last edited by coolbeanz; 26.08.2020 at 19:37.
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Old 26.08.2020, 19:28
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Re: Could you please sense-check my CCS health insurance package? :)

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So are you saying that I would not be charged at most ordinary medicines (for example, a salbutamol asthma inhaler), even if I choose a CHF 2,500 deductible?
No, you misunderstand: every service or medication is taken form your deductible 100% FIRST, until it's used up, unless it is not covered, in that case you pay out of pocket but it does not go towards your deductible.

You don't need supplemental for your salbutamol inhaler as it is on the SL and covered by basic, but you pay for it out of pocket until you reach your deductible, after it is used up you pay 10%, up to a maximum of 700CHF pa.

Supplementary would pay 90% of some of the stuff that is not covered by basic, not for your inhaler as it is on the SL.

So as srdjee mentioned, if treatment of your condition costs 1300pa, it will cost you 1300pa out of pocket with a 2500 deductible and only 400 with a 300 deductible. You need to calculate if your reduction in premiums makes up for this.

Last edited by mgosia; 26.08.2020 at 19:41.
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Old 26.08.2020, 19:41
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Re: Could you please sense-check my CCS health insurance package? :)

Wow, that's a confusing system - many thanks for explaining!

So since all of the meds I take are on the SL list, the supplementary insurance serves no purpose in my case.
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Old 26.08.2020, 19:44
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Re: Could you please sense-check my CCS health insurance package? :)

If you don't want to pay for medication then choose the lowest franchise - 300. But that will mean higher premiums most likely. You'd still have to pay the 300 franchise first, but after that the 10% part-quote would kick in so you'd only pay 10% of any further medication costs for that year.
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Old 26.08.2020, 19:58
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Re: Could you please sense-check my CCS health insurance package? :)

Understood. In a normal year, I don't think that my medication costs and doctor visits should exceed CHF 750pa, so I don't think there's a lot of point in choosing a lower deductible.
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Old 26.08.2020, 20:31
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Re: Could you please sense-check my CCS health insurance package? :)

You can change your deductible each year! You can always try, and if you get 'burned' with unforeseen costs that you think will be regular, you can switch to a lower one.
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Old 07.09.2020, 19:38
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Re: Could you please sense-check my CCS health insurance package? :)

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Hi! I recently moved to Switzerland and the time has come to take out basic health insurance.

I'm thinking of going with following options:
Basic insurance
Model: HMO (seems good value and I don't really know any better)
Deductible: CHF 2,500pa
Price: CHF 186.55pm
How you were able to get 186 CHF for the basic insurance? I'm 27 and it shows me 331 CHF with lowest options (HMO model, 2500CHF deductable)
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Old 08.09.2020, 10:46
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Re: Could you please sense-check my CCS health insurance package? :)

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How you were able to get 186 CHF for the basic insurance? I'm 27 and it shows me 331 CHF with lowest options (HMO model, 2500CHF deductable)
move to Zug ;-)
the cost of the insurance is based on the canton (or sometimes even the area of the canton) you live in.
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Old 08.09.2020, 11:22
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Re: Could you please sense-check my CCS health insurance package? :)

Since you are considering an HMO model, do check to make sure that there is a local GP in your plan who is willing to take on new patients.

This likely is not a problem in Zug, the critical shortage of GPs tends to be a problem farther away from urban areas.

But do check before you sign on the dotted line, just to be safe.
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