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Old 21.07.2021, 17:09
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Refused semi-private health insurance

I have been liaising with a representative from SWICA, and I thought I had read all the paperwork comprehensively and understood the conditions and costs.

After submitting my forms however, I've just been told that my preferred option, which included semi-private cover in case of hospitalisation, has been refused due to my 'health situation'.

The only situation I mentioned is that I broke my ankle 5 years ago. The ankle was repaired surgically on the day of the accident, with the insertion of 2 small screws.

This seems like a very minor reason to refuse the preferred coverage, which I'm quite willing to pay for. Has anyone else had a similar experience?
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Old 21.07.2021, 17:24
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Re: Refused semi-private health insurance

Seems a bit odd. I'd always advise going through the forms with the representative, as they'll generally try to get the best deal for you, and what you want. I do know exclusions are possible.

I suggest you have another chat with them.

However, I've been on public insurance with Swica and had major and minor surgery. I've never really seen the point of private/semi-private. There's only ever been one other person in my room.

(Last time I was hospitalised, my room mate was awesome. Once I started to feel better, we just chatted all day. A retired anaethetists. He knew everyone and was massively charming. Given his connections, even I got treated like a human by the doctors!).
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  #3  
Old 21.07.2021, 17:40
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Re: Refused semi-private health insurance

Are there wards in any Swiss Hospital? I’ve only see singles and doubles.

Last edited by bowlie; 21.07.2021 at 18:25.
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Old 21.07.2021, 17:54
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Re: Refused semi-private health insurance

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Are their wards in any Swiss Hospital? I’ve only see singles and doubles.
The most I've seen in a standard hospital is a room of eight. Psychiatric hospitals tend to have a max. of 4 people to a room, whereby attention is paid to the type of condition and that the single/double rooms are filled first, meaning a "general care" patient may have a single room if no private patients need it.

Nothing like the situation you may find in the UK, where even psychiatric wards may have a dozen people in them, with those on drug withdrawals in the same ward as people with depression. And I've seen people stood in hallways on particularly busy nights of Durham City's old Dryburn Hospital.

As for being refused what is considered supplemental insurance, unfortunately even the smallest thing is enough for that to happen. The good thing is that the general cover goes waaaaay beyond what you would have been used to from the NHS standard cover, unless you lived in a particularly wealthy NHS trust area. Even then, it'll likely be better here.
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Old 21.07.2021, 17:59
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Re: Refused semi-private health insurance

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Nothing like the situation you may find in the UK, where even psychiatric wards may have a dozen people in them, with those on drug withdrawals in the same ward as people with depression. And I've seen people stood in hallways on particularly busy nights of Durham City's old Dryburn Hospital.
What a horrendous situation, and how potentially damaging to those patients

I didn't have private cover in the UK so if I'd needed to use it, it would have been NHS all the way, so good to hear that anything here in Switzerland would still be a vast step up
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Old 21.07.2021, 18:07
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Re: Refused semi-private health insurance

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What a horrendous situation, and how potentially damaging to those patients

I didn't have private cover in the UK so if I'd needed to use it, it would have been NHS all the way, so good to hear that anything here in Switzerland would still be a vast step up
It's grim up North... Or down South from your point of view, IIRC. It was quite a shock for me to see people in actual beds stood right next to the doors leading from the A&E area to the wards. Or waiting six hours to have an injury sutured. Sure, it was not serious, triage is normal, but even with a triage system, the most I've waited at any emergency medical service (including walk-in clinics) was maybe two hours.
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Old 21.07.2021, 17:57
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Re: Refused semi-private health insurance

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Are their wards in any Swiss Hospital? I’ve only see singles and doubles.
Ah, good point - that does change things!

When I was hospitalised in Portugal, I was also in a 'general ward' but I was the sole occupant, so I guess it was practically the same. I'm not sure if there are any other benefits to going semi-private

If there genuinely isn't much difference then I'm not too concerned, and of course without any experience in the Swiss medical system it's hard to tell. I'm in reasonable health (without wanting to jinx myself!!) and have only ever been hospitalised once, for the ankle break in Portugal.

I suppose if i'm ever sick / injured enough to require hospitalisation, I'll have more important things to worry about anyway!
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Old 21.07.2021, 20:14
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Re: Refused semi-private health insurance

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Are there wards in any Swiss Hospital? I’ve only see singles and doubles.
HUG has some pretty big rooms, it was a while ago but I remember being with 6 or 8 in the room.
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Old 21.07.2021, 20:38
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Re: Refused semi-private health insurance

Unless you’ve never had anything wrong with you, they seem to refuse. My husband was refused and he’s never ill, but had multiple ski injuries in the past. Basic insurance seems more than good enough to me, the only thing I’d like to add would be the option to be treated in all cantons.
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Old 21.07.2021, 21:29
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Re: Refused semi-private health insurance

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HUG has some pretty big rooms, it was a while ago but I remember being with 6 or 8 in the room.
HUG was originally built to have 8 per ward for 'public' insurance, that was reduced to 6 about twenty years ago. As the hospital is gradually modernised the new norm is 4.

The best bit about having a private room is that you get a wine list! Annoyingly the last time I was in hospital I wasn't allowed to have any booze because it would've messed with the meds.
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Old 21.07.2021, 21:51
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Re: Refused semi-private health insurance

some hospitals are abandoning the concept of multiple people in a room because of multi-resistant bacteria anyway.
I read an article about a new hospital having only single rooms. But other hospital systems are not following along, probably because it's expensive.

Tbh the only important difference is the room.
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Old 18.08.2021, 18:41
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Re: Refused semi-private health insurance

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However, I've been on public insurance with Swica and had major and minor surgery. I've never really seen the point of private/semi-private. There's only ever been one other person in my room.
I'd say that one of the reasons for taking out (semi)private insurance is for the free choice of doctors and for treatment in certain private hospitals (for example, Hirslanden group), though this can also be accomplished by some cheaper supplementary options. You're absolute right that especially for semiprivate coverage, there isn't too much different to general ward in terms of the number of roommates
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Old 19.08.2021, 07:57
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Re: Refused semi-private health insurance

I agree with everyone else.
When we first came here, we all applied for supplemental. One out of three of us was refused on the basis of a pre-existing condition. Some years later, that person had a hospitalization - unrelated to the condition - at the Unispital in Basel, in a huge private room, with just basic insurance and wonderful care.
In Basel, all of us have dealt with doctors and hospitals, including referrals to specialists in a different Kanton. Overall, we are very happy with the medical care here: absolutely no complaints.

I have to say I still have to see any benefit to the semi-private insurance for the two of us who have it, but, as previous poster mentioned, I will not drop it as we would likely never be eligible for it again.
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Old 19.08.2021, 09:41
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Re: Refused semi-private health insurance

My husband and I have private insurance which we took out in our early thirties when we first moved to CH. We had no benefit from it until a few years ago when my husband had kidney cancer. The tumour was spotted during a CT scan for an infection. At first he was told he would lose the kidney and it would be removed by surgical excision from the back with a wait of a few weeks and a significant recovery time. I then mentioned that he was privately insured and that we wanted it done more quickly and would seek a second opinion. In that moment everything changed. The Urologist went off and looked again at his schedule. He then said he would use a Da Vinci machine and only take the tumour with no surgical cut at all. He was a very straight guy and he commented that every Doctor would want my husband referred to him as they can charge more.

I am now awaiting the results of a biopsy for melanoma. In my case I will be referred to University Hospital. I don't anticipate that I will get any better care than anyone else, although I could request the most senior Doctor/Professor.
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