Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 20.09.2022, 15:59
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 4 Posts
rosiero has no particular reputation at present
Upgrading Health Insurance from General to Semi Private

Hi all
I hope you can help me. Having seen a severely unwell friend be stuck with a poor health insurance policy I have decided to upgrade from general to semi private cover. my insurer (Sanitas) insists on a 9 month "Carenzfrist" (block, I guess) before I can start to use the cover. For the next 9 months I am only covered by the general insurance. However, they require me to pay already from the beginning - i.e. for 9 months I need to pay for semi private health insurance which would not apply to me during that time.

Seems really unfair and crazy to pay all that money for 9 Months. I don't mind waiting but already having to pay?! Am I overreacting? I don't see why I should give them money for nothing for those 9 months.

Would be grateful to hear if this is normal or not.

Thanks!
Reply With Quote
  #2  
Old 20.09.2022, 16:28
Forum Veteran
 
Join Date: Sep 2021
Location: Geneva
Posts: 1,065
Groaned at 146 Times in 92 Posts
Thanked 1,253 Times in 626 Posts
Biro has an excellent reputationBiro has an excellent reputationBiro has an excellent reputationBiro has an excellent reputation
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
Hi all
I hope you can help me. Having seen a severely unwell friend be stuck with a poor health insurance policy I have decided to upgrade from general to semi private cover. my insurer (Sanitas) insists on a 9 month "Carenzfrist" (block, I guess) before I can start to use the cover. For the next 9 months I am only covered by the general insurance. However, they require me to pay already from the beginning - i.e. for 9 months I need to pay for semi private health insurance which would not apply to me during that time.

Seems really unfair and crazy to pay all that money for 9 Months. I don't mind waiting but already having to pay?! Am I overreacting? I don't see why I should give them money for nothing for those 9 months.

Would be grateful to hear if this is normal or not.

Thanks!

Without this waiting period it would all be a bit too easy......


A semi-private policy will get you slightly better conditions for a room, but most hospitals here have a 4 bed per room policy and many 2 or 3 per room.


Health care is fairly similar, you may need to go via your family doctor to get a referral but you can ask him for a referral to almost any specialist you want.



Sure the cliniques are nice, shiny, good views, nice restaurant food, but all this you pay for and it doesn't really touch health care. Any major emergency in a clinique and you usually get transferred to a University hospital where medical facilities are better.
Reply With Quote
  #3  
Old 20.09.2022, 17:00
marton's Avatar
Forum Legend
 
Join Date: May 2008
Location: Kt. Zürich
Posts: 12,004
Groaned at 630 Times in 534 Posts
Thanked 22,413 Times in 11,763 Posts
marton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

I dropped my semi-private policy last year.

Maybe there were significant benefits ten or twenty years ago but as was already posted the days of 20-bed wards are long gone.

What type of problems did your severely unwell friend have and why do you think this was caused by a poor health insurance policy?
Usually, Swiss health insurance policies are believed to be among the best in the world.
Reply With Quote
  #4  
Old 20.09.2022, 17:38
Tom1234's Avatar
Forum Legend
 
Join Date: Jan 2007
Location: Kanton Luzern
Posts: 17,418
Groaned at 685 Times in 533 Posts
Thanked 26,568 Times in 10,711 Posts
Tom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quite often with a General policy, you can end up with your own room anyway, depending on how full the hospital is or the severity/infectiousness of your illness.

Obviously you can't count on it. I guess with semi-private, if capacity was overloaded, you may end up having to share anyway.
Reply With Quote
This user would like to thank Tom1234 for this useful post:
  #5  
Old 20.09.2022, 18:10
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,651
Groaned at 55 Times in 41 Posts
Thanked 2,601 Times in 1,270 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

That is quite common for insurances otherwise everyone would only sign up when needed.

For example with our dental, we paid the first 3 months and where unable to use it and then we have an 18 months waiting period for any major reconstruction.

I find that fair and to be honest depending what age you are, you should consider yourself lucky they take you in all together.

I love my semi private insurance in that I can choose my doctor and when I had an operation this year, I picked and new exactly who was going to operate me - versus getting the doc in charge when University Hospital had a free slot. Its not about the room, its about choosing the doctor you are happy with and for me this is really worth it.

So I would just suck it up - you could have paid for years and not used it (most of us do, its how insurance makes their money) and then be happy to have it if you want it.
Reply With Quote
  #6  
Old 20.09.2022, 19:45
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 4 Posts
rosiero has no particular reputation at present
Re: Upgrading Health Insurance from General to Semi Private

thanks all - to clarify, I am not asking if Half Private is worth it. I'm asking about the "block period" (Carenzfrist) of 9 months. I just find it bonkers to pay for 9 months (about 100chf per month) for literally nothing before I am allowed to actually make use of the half private benefits. I don't mind the wait, it's the paying-for-nothing I am annoyed by. (thanks Kri for your comments)

Last edited by rosiero; 20.09.2022 at 19:46. Reason: adding context
Reply With Quote
  #7  
Old 20.09.2022, 20:35
Forum Legend
 
Join Date: Jun 2008
Location: Switzerland
Posts: 8,875
Groaned at 324 Times in 248 Posts
Thanked 20,353 Times in 7,111 Posts
k_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
thanks all - to clarify, I am not asking if Half Private is worth it. I'm asking about the "block period" (Carenzfrist) of 9 months. I just find it bonkers to pay for 9 months (about 100chf per month) for literally nothing before I am allowed to actually make use of the half private benefits. I don't mind the wait, it's the paying-for-nothing I am annoyed by. (thanks Kri for your comments)
You must be a woman. The 9 month period is there to prevent that pregnant women quickly change to a private or semi-private insurance and cost the insurance a lot of money for the birth.
Reply With Quote
  #8  
Old 20.09.2022, 20:49
Newbie 1st class
 
Join Date: Feb 2015
Location: Zurich
Posts: 25
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 4 Posts
rosiero has no particular reputation at present
Re: Upgrading Health Insurance from General to Semi Private

the 9 month period is valid for men and women, they told me.

well done on the observation...
Reply With Quote
  #9  
Old 20.09.2022, 21:12
Tom1234's Avatar
Forum Legend
 
Join Date: Jan 2007
Location: Kanton Luzern
Posts: 17,418
Groaned at 685 Times in 533 Posts
Thanked 26,568 Times in 10,711 Posts
Tom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
the 9 month period is valid for men and women, they told me.
Maybe K and E is right and they included men to avoid being called sexist?
Reply With Quote
This user would like to thank Tom1234 for this useful post:
  #10  
Old 20.09.2022, 21:19
Tom1234's Avatar
Forum Legend
 
Join Date: Jan 2007
Location: Kanton Luzern
Posts: 17,418
Groaned at 685 Times in 533 Posts
Thanked 26,568 Times in 10,711 Posts
Tom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
I love my semi private insurance in that I can choose my doctor and when I had an operation this year, I picked and new exactly who was going to operate me - versus getting the doc in charge when University Hospital had a free slot. Its not about the room, its about choosing the doctor you are happy with and for me this is really worth it.

.
Thinking out loud here but does the average person know which doctors are good and which are bad?

And I guess choice of surgeon only applies to elective surgery.
Reply With Quote
This user would like to thank Tom1234 for this useful post:
  #11  
Old 21.09.2022, 00:31
Senior Member
 
Join Date: Apr 2014
Location: Lausanne
Posts: 327
Groaned at 1 Time in 1 Post
Thanked 590 Times in 220 Posts
Tox_Rat has a reputation beyond reputeTox_Rat has a reputation beyond reputeTox_Rat has a reputation beyond reputeTox_Rat has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
I love my semi private insurance in that I can choose my doctor and when I had an operation this year, I picked and new exactly who was going to operate me - versus getting the doc in charge when University Hospital had a free slot. Its not about the room, its about choosing the doctor you are happy with and for me this is really worth it.
Note that you don’t necessarily need full semiprivate insurance to get this benefit. Most insurance companies have a supplementary hospital coverage plan that allows you free choice of Doctor and the freedom to decide at the time of treatment for general, semi-private or private care at preset levels of cost participation. If all you are looking for is free choice of doctor, this might be a cheaper alternative to the other plans.

Note that in my recent experience at a major cantonal hospital that I knew exactly who were about to operate on me without exercising any special option to choose. The surgery was scheduled for when my chief surgeon was available, not the other way around, so no administrative surprises. I also found that it was relatively easy to have my choice of doctor, provided I was asking for a recommendation of the other staff around, rather than just requesting a particular ‘rank’. As I advanced from one speciality to another, I found asking the previous doctor to recommend the colleague they would prefer if the situation was reversed and they were looking for a doctor with a short list of characteristics that were important to me.
Reply With Quote
This user would like to thank Tox_Rat for this useful post:
  #12  
Old 21.09.2022, 00:56
marton's Avatar
Forum Legend
 
Join Date: May 2008
Location: Kt. Zürich
Posts: 12,004
Groaned at 630 Times in 534 Posts
Thanked 22,413 Times in 11,763 Posts
marton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
thanks all - to clarify, I am not asking if Half Private is worth it. I'm asking about the "block period" (Carenzfrist) of 9 months. I just find it bonkers to pay for 9 months (about 100chf per month) for literally nothing before I am allowed to actually make use of the half private benefits. I don't mind the wait, it's the paying-for-nothing I am annoyed by. (thanks Kri for your comments)
Why don't you ask "if Half Private is worth it"?

Without advice, you may be spending a lot of extra money for a benefit that does not actually exist.
Reply With Quote
  #13  
Old 21.09.2022, 01:12
marton's Avatar
Forum Legend
 
Join Date: May 2008
Location: Kt. Zürich
Posts: 12,004
Groaned at 630 Times in 534 Posts
Thanked 22,413 Times in 11,763 Posts
marton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
That is quite common for insurances otherwise everyone would only sign up when needed.

For example with our dental, we paid the first 3 months and where unable to use it and then we have an 18 months waiting period for any major reconstruction.

I find that fair and to be honest depending what age you are, you should consider yourself lucky they take you in all together.

I love my semi private insurance in that I can choose my doctor and when I had an operation this year, I picked and new exactly who was going to operate me - versus getting the doc in charge when University Hospital had a free slot. Its not about the room, its about choosing the doctor you are happy with and for me this is really worth it.

So I would just suck it up - you could have paid for years and not used it (most of us do, its how insurance makes their money) and then be happy to have it if you want it.
Just out of interest is there actually a clause in your semi private insurance contract that says you can choose your doctor?
Reply With Quote
  #14  
Old 21.09.2022, 05:54
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,651
Groaned at 55 Times in 41 Posts
Thanked 2,601 Times in 1,270 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
Thinking out loud here but does the average person know which doctors are good and which are bad?

And I guess choice of surgeon only applies to elective surgery.
In my case I researched and knew what to look for. In the end it's also about feeling comfortable and confident with a doctor. Not elective surgery at all unfortunately. And I was happy I was comfortable with the doctor and knew I would see them again for my check ups etc. When compared to Unispital where I was clearly told it would depend whoever was available and also for the follow up, for me it was really a different experience.

Quote:
View Post
Just out of interest is there actually a clause in your semi private insurance contract that says you can choose your doctor?
No idea - could check later. However being able to choose the hospital means you have a wider array of doctors available given they typically are linked with a couple only.

To be very clear, I am by no means advocating that one needs semi private insurance in CH to get a really good treatment. This is not the case at all. I am sharing why it's worth it to me personally and this is a different things all together.
Reply With Quote
The following 2 users would like to thank kri for this useful post:
  #15  
Old 21.09.2022, 05:56
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,651
Groaned at 55 Times in 41 Posts
Thanked 2,601 Times in 1,270 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
thanks all - to clarify, I am not asking if Half Private is worth it. I'm asking about the "block period" (Carenzfrist) of 9 months. I just find it bonkers to pay for 9 months (about 100chf per month) for literally nothing before I am allowed to actually make use of the half private benefits. I don't mind the wait, it's the paying-for-nothing I am annoyed by. (thanks Kri for your comments)
Again the block period is normal as otherwise everyone will just switch when wanted. You will likely pay many more months and never use the service in your lifetime. I did that for about 20 years in fact (well used it for the pregnancies but nothing else). If it's not worth it to you to have semi private then don't accept this condition.

Last edited by kri; 21.09.2022 at 07:16.
Reply With Quote
  #16  
Old 21.09.2022, 08:11
Belgianmum's Avatar
Roastbeef & Yorkshire mod
 
Join Date: Jan 2010
Location: Neuchâtel
Posts: 14,234
Groaned at 281 Times in 238 Posts
Thanked 24,478 Times in 9,960 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
Again the block period is normal as otherwise everyone will just switch when wanted. You will likely pay many more months and never use the service in your lifetime. I did that for about 20 years in fact (well used it for the pregnancies but nothing else). If it's not worth it to you to have semi private then don't accept this condition.
It never ceases to amaze me just how many people don’t understand the concept of how insurance works.
Reply With Quote
This user would like to thank Belgianmum for this useful post:
  #17  
Old 21.09.2022, 08:52
Phil_MCR's Avatar
Forum Legend
 
Join Date: Oct 2009
Location: Basel
Posts: 15,122
Groaned at 301 Times in 201 Posts
Thanked 19,245 Times in 8,098 Posts
Phil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

i guess the question is: "there is a waiting period to prevent abuse by signing up to higher care only when the need arises. why can i not just sign a contract which says, ok, i will have the insurance in 9 months time and will start paying premiums then?"
Reply With Quote
  #18  
Old 21.09.2022, 08:56
Member
 
Join Date: Sep 2019
Location: Vaud
Posts: 158
Groaned at 43 Times in 26 Posts
Thanked 247 Times in 105 Posts
keyboardandmouse has an excellent reputationkeyboardandmouse has an excellent reputationkeyboardandmouse has an excellent reputationkeyboardandmouse has an excellent reputation
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
That is quite common for insurances otherwise everyone would only sign up when needed.

For example with our dental, we paid the first 3 months and where unable to use it and then we have an 18 months waiting period for any major reconstruction.

I find that fair and to be honest depending what age you are, you should consider yourself lucky they take you in all together.

I love my semi private insurance in that I can choose my doctor and when I had an operation this year, I picked and new exactly who was going to operate me - versus getting the doc in charge when University Hospital had a free slot. Its not about the room, its about choosing the doctor you are happy with and for me this is really worth it.

So I would just suck it up - you could have paid for years and not used it (most of us do, its how insurance makes their money) and then be happy to have it if you want it.
Choosing the doctor is what makes it worth it. The private bed stuff is just whether you are that type of person, i dont give a toss. But if you need surgery, particularly things like joint or ligament surgery, then getting the best in the business because you are paying a bit more can be a life changing outcome.
Reply With Quote
This user would like to thank keyboardandmouse for this useful post:
  #19  
Old 21.09.2022, 09:07
Tom1234's Avatar
Forum Legend
 
Join Date: Jan 2007
Location: Kanton Luzern
Posts: 17,418
Groaned at 685 Times in 533 Posts
Thanked 26,568 Times in 10,711 Posts
Tom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond reputeTom1234 has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
i guess the question is: "there is a waiting period to prevent abuse by signing up to higher care only when the need arises. why can i not just sign a contract which says, ok, i will have the insurance in 9 months time and will start paying premiums then?"
Captive audience. The insurance companies do it because they can.
Reply With Quote
This user would like to thank Tom1234 for this useful post:
  #20  
Old 21.09.2022, 10:05
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,651
Groaned at 55 Times in 41 Posts
Thanked 2,601 Times in 1,270 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Upgrading Health Insurance from General to Semi Private

Quote:
View Post
i guess the question is: "there is a waiting period to prevent abuse by signing up to higher care only when the need arises. why can i not just sign a contract which says, ok, i will have the insurance in 9 months time and will start paying premiums then?"
Because the insurance wants to make a little money in view of you using it when you sign up later in life etc.

The reality should be that you sign up and not expect to use it so this should not bother you. If you already have an expectation to use it then the insurance model would fail.
Reply With Quote
Reply

Tags
half private, health insurance, krankenkasse, semi private, upgrade




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
Refused semi-private health insurance itsjess Insurance 25 19.08.2021 09:41
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
Too Fat for private Health Insurance Paul Coode Insurance 73 09.06.2009 21:25


All times are GMT +2. The time now is 01:51.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0