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Old 22.10.2008, 13:28
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Health Insurance - which provider to choose

My hubby and I have just relocated to Zurich and as part of the long list of things to sort out we are now focussed on sorting out suitable health insurance - AAGH!

It seems to be a bit of a minefield as we don't speak German. We want to get good coverage with a company who we can deal with in English - anyone got any providers which they would recomend?

Additionally, is 700-800 CHF a reasonable monthly premium for two adults - or is this quite high?

Many thanks
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Old 22.10.2008, 13:36
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Re: Health Insurance - which provider to choose

www.comparis.ch

Health Insurance FAQs

Read around in the area, you'll find the info.
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Old 23.02.2009, 09:22
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Re: Health Insurance - which provider to choose

CHF 700 - CHF 800 is high, in my opinion.
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Old 23.02.2009, 09:29
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Re: Health Insurance - which provider to choose

It depends on the services and options that you choose as to
whether 350-400 per person is high.

Zürich City is more expensive than the outlying suburbs. Additionally,
have you included "Accident" insurance in the calculation. Also, the
deductible( Franchise in Swiss German) level determines what your
premium will be.


Comparis is deifinitely helpful.
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Old 23.02.2009, 09:48
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Re: Health Insurance - which provider to choose

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It depends on the services and options that you choose as to
whether 350-400 per person is high.

Zürich City is more expensive than the outlying suburbs. Additionally,
have you included "Accident" insurance in the calculation. Also, the
deductible( Franchise in Swiss German) level determines what your
premium will be.


Comparis is deifinitely helpful.
If you are employed, accident insurance is covered by your employer, so you just need this coverage for your spouse it they are not employed.

As has been pointed out, there are different options that affect the premium. I don't believe this is one area to try and save too much on as some extras do not cost a fortune but could make a very big difference in the long run.
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Old 23.02.2009, 13:02
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Re: Health Insurance - which provider to choose

Best way, in my opinion, is to chose the CHF 500 franchise and not the CHF 300 franchise if you want/need a lower franchise. The CHF 500 is competitive. The CHF 300 franchise not.
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Old 23.02.2009, 13:15
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Re: Health Insurance - which provider to choose

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Best way, in my opinion, is to chose the CHF 500 franchise and not the CHF 300 franchise if you want/need a lower franchise. The CHF 500 is competitive. The CHF 300 franchise not.
That is a very personal issue that needs individual attention. Big deductible low premium or low deductible and high premium! The numbers will balance in the end for the insewerance company.

you have to measure the risk: young & healthy, I would go for high deductible and low premium. Older and or less healthy move progressively to the lower deductible.

If you are employed, accidents are covered by your employers insewerance, so should not factor into these calculations on cost.

bill
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Old 23.02.2009, 13:21
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Re: Health Insurance - which provider to choose

I would strongly recommend you take out semi private or even private insurance. It really does make a difference and is worth the money (in my opinion).
With private insurance you get a room to yourself in the hospital, semi private you have to share with someone else and general you're in the ward.
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Old 23.02.2009, 14:54
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Re: Health Insurance - which provider to choose

The differences in price will vary enormously depending on which deductible you go for.

The best deductible to go for depends on your average yearly consumption of medication, doctors and so on.
I know this is hard to do when you first get here as you won't necessarily know the prices of doctors and hospitals etc. until something happens!

I often get questions about deductibles. At the end of the day it's personal, I can only advise as to what I would do myself.

Say you're on regular medication and you know in advance that you will be visiting a doctor and getting that medication prescribed. You can ask at your local chemists how much this medicine costs and work out how much it will be over the year. This should then help you in your choice of deductible.

The second factor of how much it would cost would be what type of supplementary you go for.
Semi-private hospitalisation is more expensive than standard, for example, but it may be something that is important to you and therefore worth it.

You should choose a company whose supplementary suits you best as the cover for basic is the same with every single company.

See Health Insurance FAQs for more help.
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  #10  
Old 17.03.2009, 13:06
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Re: Health Insurance - which provider to choose

I chose Sana24 for health insurance.
Be advised that they don't have documents or website in English. I speak French, but it has become frustrating when dealing with the nuances of medical terminology and medical billing practices. (the bills are quite convoluted when compared with efforts in the USA to make medical billing simple and easy to read and understand.) Also, whenever I call with a question on coverage, billing, etc, it is rare that they are able/willing to speak in English. (So unless your German, French, Italian is ready for medical complexity, consider giving a little more weight to companies who have English as an option.)
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  #11  
Old 15.04.2009, 18:13
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Re: Health Insurance - which provider to choose

If you need information about the insurance policies in Switzerland let me know. I can explain everything you need to know. I'm working in this business and I've been in Switzerland for the past 24 years. Just let me know I'll be happy to help.Kind Regard
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  #12  
Old 16.04.2009, 04:00
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Re: Health Insurance - which provider to choose

Another tip that will save you money: Get your pharmaceuticals from a mail-order pharmacy instead of from a local pharmacy. This will usually save you 5-10% overall (doesn't sound like much, but it can add up quite a bit). For example, you could use

http://zurrose.ch/

You can also ask your MD to fax the recipe to a mail-order pharmacy directly. He usually won't object as his expenses will get paid by the pharmacy.

Further, explicitly ask for generics whenever you need medication. If you don't ask for generics, your MD will usually prescribe the original, branded drug. The pharma lobby is pretty powerful in Switzerland, hence the high prices. Generics are same-quality, no-name products, often produced by the manufacturer of the original, branded product.
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Old 17.04.2009, 08:46
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Re: Health Insurance - which provider to choose

I pay approx. 350CHF per month in insurance fees here in Basel (every canton is different in the amounts individuals have to pay). HOWEVER, I am a diabetic with a 500CHF deductible. I pay alot for medications and doctor visits! Whereas, my Swiss boyfriend pays approx. 200 (or so) CHF per month with a 2,000CHF deductible ( this is because he is perfectly healthy and requires not much doctor visits).
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Old 17.04.2009, 09:52
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Re: Health Insurance - which provider to choose

The deductible amount is something that you should check carefully. I found that with a deductible of 300,- I’d pay 350,- a month, while with a deductible of 1000,- I’d pay 270-, saving 80 a month. Now 80,- a month over the 12 months is a saving of 960,- greater than the 700,- difference in deductible. So even if I were to need some serious treatment I’m better off putting the money aside each month, should I be become seriously ill.

Also don’t forget that, if employed, your employer will also have to cover you for accident insurance, which includes (amongst other things) sporting incidents in your personal time. So in these cases your health insurance deductible is not affected.

If you are not employed, you will need to get the additional accident insurance yourself. I believe on comparis.ch there was an extra tick box for this.
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Old 17.04.2009, 09:58
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Re: Health Insurance - which provider to choose

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(every canton is different in the amounts individuals have to pay)
it is actually post code and age that matter in the calculation. someone living in the centre of lausanne pays more than someone in rennens for example. sion in VS is the cheapest in CH i believe. it is reasonably fair when you think of it, depending on how much of your taxes from the canton go to support your hospitals is reflected in the premium the cantons allow the insewerance companies to charge.
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Old 17.04.2009, 10:09
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Re: Health Insurance - which provider to choose

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the insewerance companies ...
Ah, that's why I have the feeling my money is going down the drain.

Sorry, I couldn't resist it and deserve a groan!
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Old 17.04.2009, 10:34
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Re: Health Insurance - which provider to choose

The Health Insurance Company that I work with has very reasonable prices. It hasn’t gone up for the past 4 years. I heard on the news that the prices will be going up 10% next year. So if anyone need correspondence in English just contact me. I make home visits free of charge.
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Old 17.04.2009, 10:45
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Re: Health Insurance - which provider to choose

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Ah, that's why I have the feeling my money is going down the drain.

Sorry, I couldn't resist it and deserve a groan!
as the first to notice this, i would love to credit for it, i must acknowledge the source:

http://en.wikipedia.org/wiki/Discworld

i have enjoyed many many hours with these characters.
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Old 17.04.2009, 10:47
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Re: Health Insurance - which provider to choose

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The Health Insurance Company that I work with has very reasonable prices. It hasn’t gone up for the past 4 years. I heard on the news that the prices will be going up 10% next year. So if anyone need correspondence in English just contact me. I make home visits free of charge.
LOL, you don't mention whether YOUR rates will be fixed for next year! (c'
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Old 17.04.2009, 11:01
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Re: Health Insurance - which provider to choose

Sorry! Im happy to say that our rates will not go up next year! And as other companies prices go up as older you get, we do not increase the premiums. Thais means you are not penalised over the years as older you get. After the age of 26, it 's the same price for all.
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