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Old 25.06.2009, 02:20
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Covered medications

I posted about this on the "franchise" amount thread, but I think this probably deserves its own thread.

What exactly do I need to do to figure out if my medication is covered? I know first I look at the federally covered drug list, then the SwissMedic list probably. Is there somewhere this is available, in English? I'm also interested about the list of medicines that are never covered.

I am amazed at how complicated this all is!
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Old 25.06.2009, 02:26
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Re: Covered medications

Hello, I do not know if this is what you are looking for, but in Siwtzerland the Pharmacist can tell you exactly what is coveerd by your insurance and what not.

Hope this helps.

Best wishes Gabrielle
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Old 25.06.2009, 02:34
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Re: Covered medications

Well, I want to know what is covered by the insurance before I choose the insurance.
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Old 25.06.2009, 07:31
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Re: Covered medications

Compulsory insurance is exactly the same regardless of who you go with in Switzerland - it's regulated by the government.

Can I suggest you email 'Insurance Jenny' - she's a big contributor on the forum and she works as a freelance insurance broker - she doesn't charge the client, only works for the commission she gets from the insurance company, but she's not signed with just one or two companies.

She set us up with insurance for two adults and three children, including one child who has diabetes so big health commitments, and she was able to explain the whole thing over the phone and via email, and handled our paperwork for us...

Have a look at the sticky on health insurance on the forum, or do a search here for 'insurance jenny' and you'll find her - you can PM her with your email address or phone number and she'll give you a call.

You don't send her any money, she sets everything up and the health insurance company will send you their contract and payment slips...she only gets paid by the insurance company once everything is set up too!

The only really common thing that people are amazed is not covered here is monthly contraception...

Otherwise, all the basics and a lot of hospital stuff is all covered. It's an *expensive* but otherwise *excellent system* - no country has ever yet managed to make a health system that is *free* and *great* - although I suspect Australia's is pretty close if you know how to advocate for yourself...

We had no trouble finding an english-speaking pharmacist, Paediatrician, specialist and GP here...
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Old 25.06.2009, 10:15
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Re: Covered medications

See here:

Insurer refuses to pay for prescribed meds
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Old 25.06.2009, 11:50
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Re: Covered medications

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Can I suggest you email 'Insurance Jenny' - she's a big contributor on the forum and she works as a freelance insurance broker - she doesn't charge the client, only works for the commission she gets from the insurance company, but she's not signed with just one or two companies.
Seconded, when we moved over 15 months Jenny came round to our house (she lives near Lausanne) and spent a couple of hours explaining the entire system, basic insurance, supplementary insurance, how you can claim sometimes for all sorts of stuff like gym membership, how to choose the right franchise for your expected medical needs, everything. She's English (but of course also speaks fluent French) so you can be sure there's no misunderstanding due to language difficulties.

But yes, like Swisspea said, your medications either will or won't be covered by all insurers, as the functioning of basic insurance is government-mandated. 'Medical' needs are pretty much always covered, grey area lifestyle choices (which does unusually include contraception) might not be.

But the drugs aren't as scarily expensive as I thought they might be - I have a high 2,500 franc franchise as I don't expect to get sick much - so I recently had to hand over real money for an asthma inhaler. It was only 19 francs, which seemed very reasonable.

Good luck with it.

kodokan

PS: Jenny also does other insurances too - we had to have Public Liability Insurance/ Appartment Damage insurance in place for renting before we'd even moved to Switzerland, and she sorted that all out whilst we were still in the UK.
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Old 25.06.2009, 15:52
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Re: Covered medications

Thanks to all for your help--I think I will definitely contact Jenny soon.
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