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Old 22.10.2020, 00:44
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2021 basic insurance rates....

Basic insurance......

Just got ours for next year. Reduction of about 1.5%, Swica, non binding telmed, 300CHf franchise.

Reduced price, albeit small, always better than an increase.
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Old 22.10.2020, 14:19
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Re: 2021 basic insurance rates....

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Basic insurance......

Just got ours for next year. Reduction of about 1.5%, Swica, non binding telmed, 300CHf franchise.

Reduced price, albeit small, always better than an increase.
214 CHF with CSS. And that comes with a 400 CHF deductible rather than 700.
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Old 22.10.2020, 14:55
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Re: 2021 basic insurance rates....

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214 CHF with CSS. And that comes with a 400 CHF deductible rather than 700.
Is the 214 your grundversicherung plus 400 deductible?
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Old 22.10.2020, 19:28
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Re: 2021 basic insurance rates....

Wow...
BS 2500 deductible premiums are near 400.
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Old 22.10.2020, 19:38
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Re: 2021 basic insurance rates....

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214 CHF with CSS. And that comes with a 400 CHF deductible rather than 700.
I didnít even know a 400 deductible existed.
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Old 22.10.2020, 23:44
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Re: 2021 basic insurance rates....

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I didn’t even know a 400 deductible existed.
Retention fee (the bit your 10% payments go to after you've hit your deductible) not deductible itself sorry! Normally it's 700 for adults.

I pay 214CHf. My deductible is 2500 CHF and my retention fee is 400 CHF.
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Old 22.10.2020, 23:45
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Re: 2021 basic insurance rates....

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Wow...
BS 2500 deductible premiums are near 400.
Yup. One of the reasons I live here not there (I work in Basel).
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Old 23.10.2020, 08:53
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Re: 2021 basic insurance rates....

Ok, my premium is 400, with 300 franchise and 700 retention fee. My accident insurance is included in this. Husband pays about 25 less, his insurance is covered by his employer. We live in kt Zurich, region 2.
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Old 23.10.2020, 09:29
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Re: 2021 basic insurance rates....

Are there any disadvantages if you change your insurance company? We're thinking to switch to a different one after so many years and i wonder if there's something I should be aware of.
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Old 23.10.2020, 09:40
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Re: 2021 basic insurance rates....

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Are there any disadvantages if you change your insurance company? We're thinking to switch to a different one after so many years and i wonder if there's something I should be aware of.
Maybe any ongoing treatments, if you have any.
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Old 23.10.2020, 09:42
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Re: 2021 basic insurance rates....

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Maybe any ongoing treatments, if you have any.
No.
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Old 23.10.2020, 09:45
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Re: 2021 basic insurance rates....

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Are there any disadvantages if you change your insurance company? We're thinking to switch to a different one after so many years and i wonder if there's something I should be aware of.
We switched about 8 years ago, I was still visiting my oncologist every 3 months and has some ongoing transfusions. No problem. If your model is changing too (like more or less GP contact), there might be a hiccough, but even my prescription meds transferred.

Itís a good question to ask your new insurer.
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Old 23.10.2020, 11:48
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Re: 2021 basic insurance rates....

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Wow...
BS 2500 deductible premiums are near 400.
Probably depending on age but me 39 and living in Zurich is 450 with Sympany but with excess 300.

Also they returned 40 chf this month (not sure why but can investigate).
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Old 23.10.2020, 13:01
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Re: 2021 basic insurance rates....

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Probably depending on age but me 39 and living in Zurich is 450 with Sympany but with excess 300.

Also they returned 40 chf this month (not sure why but can investigate).
Price is not age dependant after 25

Probably because they charged you too much before, basic is supposed to be not profit making more a pooling of costs plus an admin fee.
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Old 23.10.2020, 19:08
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Re: 2021 basic insurance rates....

Mine inexplicably went down from Fr. ~300 to 260 with Helsana. Highest deductible (Fr. 2,500)
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Old 23.10.2020, 19:13
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Re: 2021 basic insurance rates....

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Mine inexplicably went down from Fr. ~300 to 260 with Helsana. Highest deductible (Fr. 2,500)
Probably the COVID effect, fewer people than normal are in hospitals as they are too frightened to go to Hospital.
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Old 23.10.2020, 22:02
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Re: 2021 basic insurance rates....

479.40 , im in Vaud . This is price for basic insurance without accident cover with 500 deductible, option free choice of family doctor. I feel ripped off. How the hell someone just paying 200 something?
Last year I had 2500 franchise, after changing to 500 my premium jumped up 90ch.
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Old 23.10.2020, 22:28
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Re: 2021 basic insurance rates....

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479.40 , im in Vaud . This is price for basic insurance without accident cover with 500 deductible, option free choice of family doctor. I feel ripped off. How the hell someone just paying 200 something?
Last year I had 2500 franchise, after changing to 500 my premium jumped up 90ch.
You could move from Groupe Mutuel to Assura (411.10) or Helsana (422)- both family doctor model with 500 deductible without accident cover in your postcode.

Aargau is cheap for health insurance, housing and good for tax (at least considering places commutable to Basel). But I am sacrificing my free time for this. You makes your choices.
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