Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 21.07.2021, 17:09
itsjess's Avatar
Member
 
Join Date: Mar 2021
Location: Basel
Posts: 132
Groaned at 0 Times in 0 Posts
Thanked 219 Times in 72 Posts
itsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond repute
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?
Reply With Quote
  #2  
Old 21.07.2021, 17:24
NotAllThere's Avatar
Mod x2
 
Join Date: Oct 2008
Location: Baselland
Posts: 13,867
Groaned at 245 Times in 216 Posts
Thanked 20,466 Times in 8,317 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
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!).
__________________
Down with racism. Long live miscegenation!
Reply With Quote
The following 2 users would like to thank NotAllThere for this useful post:
  #3  
Old 21.07.2021, 17:40
Forum Legend
 
Join Date: Oct 2014
Location: Nyon
Posts: 5,376
Groaned at 300 Times in 213 Posts
Thanked 7,330 Times in 3,441 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
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.
Reply With Quote
This user would like to thank bowlie for this useful post:
  #4  
Old 21.07.2021, 17:54
Forum Legend
 
Join Date: Dec 2006
Location: Zurich
Posts: 4,890
Groaned at 181 Times in 119 Posts
Thanked 8,466 Times in 2,844 Posts
Kittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
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.
Reply With Quote
This user would like to thank Kittster for this useful post:
  #5  
Old 21.07.2021, 17:57
itsjess's Avatar
Member
 
Join Date: Mar 2021
Location: Basel
Posts: 132
Groaned at 0 Times in 0 Posts
Thanked 219 Times in 72 Posts
itsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
Are their wards in any Swiss Hospital? Iíve 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!
Reply With Quote
  #6  
Old 21.07.2021, 17:59
itsjess's Avatar
Member
 
Join Date: Mar 2021
Location: Basel
Posts: 132
Groaned at 0 Times in 0 Posts
Thanked 219 Times in 72 Posts
itsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post

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
Reply With Quote
This user would like to thank itsjess for this useful post:
  #7  
Old 21.07.2021, 18:07
Forum Legend
 
Join Date: Dec 2006
Location: Zurich
Posts: 4,890
Groaned at 181 Times in 119 Posts
Thanked 8,466 Times in 2,844 Posts
Kittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
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.
Reply With Quote
  #8  
Old 21.07.2021, 18:49
Forum Legend
 
Join Date: Aug 2015
Location: Basle
Posts: 2,767
Groaned at 72 Times in 57 Posts
Thanked 1,928 Times in 1,114 Posts
Landers has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond repute
Re: Refused semi-private health insurance

I've waited many hours on a couple of occasions in Basel Unispital.
In general things are much better here but there are some things that are comparable, in a negative way, as the system here is also a kind of NHS.

"Private" insurance seems to get you that you see the senior doctors rather than juniors, but I wouldn't have nay idea other than what was mentioned already about what a semi-private package would contain.
Reply With Quote
  #9  
Old 21.07.2021, 19:06
NotAllThere's Avatar
Mod x2
 
Join Date: Oct 2008
Location: Baselland
Posts: 13,867
Groaned at 245 Times in 216 Posts
Thanked 20,466 Times in 8,317 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
Are there wards in any Swiss Hospital? Iíve only see singles and doubles.
Max 6.

Max actually occupied, 4.
Reply With Quote
  #10  
Old 21.07.2021, 20:14
Forum Legend
 
Join Date: Oct 2009
Location: la cote
Posts: 3,534
Groaned at 21 Times in 13 Posts
Thanked 3,172 Times in 1,668 Posts
runningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
Are there wards in any Swiss Hospital? Iíve 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.
Reply With Quote
  #11  
Old 21.07.2021, 20:38
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 5,973
Groaned at 100 Times in 65 Posts
Thanked 6,681 Times in 3,027 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Refused semi-private health insurance

Unless youíve never had anything wrong with you, they seem to refuse. My husband was refused and heís never ill, but had multiple ski injuries in the past. Basic insurance seems more than good enough to me, the only thing Iíd like to add would be the option to be treated in all cantons.
Reply With Quote
The following 2 users would like to thank Island Monkey for this useful post:
  #12  
Old 21.07.2021, 20:42
Forum Legend
 
Join Date: Dec 2006
Location: Zurich
Posts: 4,890
Groaned at 181 Times in 119 Posts
Thanked 8,466 Times in 2,844 Posts
Kittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
"Private" insurance seems to get you that you see the senior doctors rather than juniors, but I wouldn't have nay idea other than what was mentioned already about what a semi-private package would contain.
That is true for run of the mill stuff, however, if you are like me and have a rare skill in collecting various autoimmune diseases (currently up to three), you basically get fast-tracked regardless of how you are insured. Or maybe I just picked a good rheumatologist who knows the right people.
Reply With Quote
The following 2 users would like to thank Kittster for this useful post:
  #13  
Old 21.07.2021, 20:58
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 5,973
Groaned at 100 Times in 65 Posts
Thanked 6,681 Times in 3,027 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
"Private" insurance seems to get you that you see the senior doctors rather than juniors, but I wouldn't have nay idea other than what was mentioned already about what a semi-private package would contain.
When I was badly injured I got treated by a Professor, so you get what you need on basic insurance. The Reg's and Jr's also looked after me, but I had many visits form the Prof and I assume they were all reporting back to him.

I also saw one of the top consultant neurologists in Europe about migranes on basic insurance - though I think this was because he was they only person available in my local hospital
Reply With Quote
This user would like to thank Island Monkey for this useful post:
  #14  
Old 21.07.2021, 21:12
Forum Legend
 
Join Date: Oct 2014
Location: Nyon
Posts: 5,376
Groaned at 300 Times in 213 Posts
Thanked 7,330 Times in 3,441 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Refused semi-private health insurance

I donít have supplemental insurance, too many pre-existing conditions. But Iíve been treated by two professors and a bunch of top-rated physicians.

This isnít like the UK.
Reply With Quote
This user would like to thank bowlie for this useful post:
  #15  
Old 21.07.2021, 21:29
Forum Legend
 
Join Date: May 2006
Location: Near Geneva
Posts: 3,203
Groaned at 35 Times in 29 Posts
Thanked 4,130 Times in 1,836 Posts
Anjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
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.
Reply With Quote
  #16  
Old 21.07.2021, 21:51
Murloc's Avatar
Forum Veteran
 
Join Date: Aug 2010
Location: Bern
Posts: 512
Groaned at 5 Times in 5 Posts
Thanked 568 Times in 285 Posts
Murloc has an excellent reputationMurloc has an excellent reputationMurloc has an excellent reputationMurloc has an excellent reputation
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.
Reply With Quote
  #17  
Old 22.07.2021, 11:01
Forum Veteran
 
Join Date: Apr 2012
Location: Bern
Posts: 1,895
Groaned at 330 Times in 200 Posts
Thanked 3,778 Times in 1,350 Posts
Susie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond repute
Re: Refused semi-private health insurance

I heard private or semi-private is impossible to get without your employer buying it as some kind of group package.

We applied for semi-private when we first arrived & were both very young & healthy - were also declined (I admitted to having asthma - perhaps that is what did it).

I have had one operation in Switzerland and paid the upgrade for private - many have advised that is the best thing to do rather than pay for an extra premium each month. I believe it cost us around 5000 CHF and was completely worth it.
Reply With Quote
The following 4 users would like to thank Susie-Q for this useful post:
  #18  
Old 22.07.2021, 11:40
Forum Legend
 
Join Date: Sep 2006
Location: na
Posts: 11,042
Groaned at 34 Times in 30 Posts
Thanked 26,115 Times in 8,069 Posts
meloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
I heard private or semi-private is impossible to get without your employer buying it as some kind of group package.

We applied for semi-private when we first arrived & were both very young & healthy - were also declined (I admitted to having asthma - perhaps that is what did it).
Pretty much any chronic condition, and many one-offs, will be enough to deny private or semi-private insurance. If you move here as an adult, your chances of not qualifying are fairly high.

Or as in my case, having had a screening test at the age recommended back home, which was before the age recommended in Switzerland, was a reason cited. Irony: Having evidence of not having a disease disqualified me.

Quote:
View Post
I have had one operation in Switzerland and paid the upgrade for private - many have advised that is the best thing to do rather than pay for an extra premium each month. I believe it cost us around 5000 CHF and was completely worth it.
This option is something the OP should look into - usually called 'flex' something or other. You pay a small increase over basic monthly premiums, but then have the option to upgrade per hospital event. You then pay a fee of about 4-6K per upgrade. Often that's a significant savings over private premiums over the years. The qualification metric for these flex policies seems to be lower. But read the fine print! An upgrade for a pre-existing condition might still be excluded, YMMV.

Another option might be to upgrade out of pocket. Many hospitals offer this, based on availability.

Some hospitals will allow a room upgrade against a per night payment, some allow for an upgrade of doctor only, some require you to upgrade both care and room.

My local hospital used to allow a relatively affordable room upgrade (200 or 400 per night) but since ownership changed that is no longer available, one must upgrade care as well, which is significantly more expensive. Schade.

The local hospitals have four bed rooms for basic insurance and IIRC there might even still be a few with six at one hospital. A four bed room can get pretty grim; when your roommates have their families taking over the room 24/7 it gets pretty crowded.

On the plus side, though - more and more surgeries are now done outpatient, so you can avoid the multi-bed cacophony and recover quietly at home.

---

My 2P: Not having private insurance has meant that I have had trouble accessing the necessary level of physician expertise. As you can see from other posters, however, this has not been a problem for them. I would guess I have run into difficulties because I live in the boondocks, where expertise in short supply. In an urban area you likely have many more resources available.

However, when hospitalized your care is largely in the hands of nurses, especially if you are in for surgery, and out here, especially if you are hospitalized over the weekend or a holiday. So the issue of what level of physician expertise you can access in the hospital might be a moot one.
Reply With Quote
The following 4 users would like to thank meloncollie for this useful post:
  #19  
Old 22.07.2021, 12:36
Forum Legend
 
Join Date: Aug 2015
Location: Basle
Posts: 2,767
Groaned at 72 Times in 57 Posts
Thanked 1,928 Times in 1,114 Posts
Landers has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond repute
Re: Refused semi-private health insurance

Quote:
View Post
However, when hospitalized your care is largely in the hands of nurses, especially if you are in for surgery, and out here, especially if you are hospitalized over the weekend or a holiday. So the issue of what level of physician expertise you can access in the hospital might be a moot one.
And it's (some of) the nurses who have made my stays in hospital completely unbearable to the point of having PTSD now because of it.
Reply With Quote
This user would like to thank Landers for this useful post:
  #20  
Old 22.07.2021, 13:00
itsjess's Avatar
Member
 
Join Date: Mar 2021
Location: Basel
Posts: 132
Groaned at 0 Times in 0 Posts
Thanked 219 Times in 72 Posts
itsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond reputeitsjess has a reputation beyond repute
Re: Refused semi-private health insurance

Thanks a bunch everyone, this has been really helpful. Good to know that my decline is not considered an unusual event.

I hadn't considered the option of upgrading on an as-needed basis but sounds like it could potentially balance out, cost-wise, comparing the increase in annual premiums vs the possibility of a once-off situational payment. This is good to know, I'll check back in with the rep.

@Meloncollie, your being declined due to having a test (which found no cause for concern) had me scratching my head for a good few mins!

Quote:
View Post
And it's (some of) the nurses who have made my stays in hospital completely unbearable to the point of having PTSD now because of it.
This is absolutely terrible to hear, so sorry to hear it Landers
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
semi-private insurance rejection Milica Insurance 6 07.09.2017 12:57
European Health Insurance Card coverage and complementary private insurance SilviaGiorgetti Insurance 10 19.08.2015 21:20
Costs difference between Private/Semi-Private/Public wards for Maternity wildboar Family matters/health 26 20.12.2010 00:17
Private Health Insurance not required if.... travnett Insurance 38 16.06.2009 09:42
Too Fat for private Health Insurance Paul Coode Insurance 73 09.06.2009 21:25


All times are GMT +2. The time now is 16:17.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0