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Old 09.01.2018, 09:15
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Re: Mental Health Coverage

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I should be concerned about the cost of visits, as psychiatrist told me, that for psychotherapy, one visit per week is not unusual and therapy can last at least for a year. If bipolar is indicated, it can last even longer and more often.
YouŽd then go to Germany once a week, 3 hours travel time each visit, pay for the weekly consult yourself. In time and money you will most likely rack up much more cost than if youŽd get treatment in Switzerland with a Swiss health insurance.

Can you take off half a day a week from work every week?
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Old 09.01.2018, 20:44
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Re: Mental Health Coverage

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YouŽd then go to Germany once a week, 3 hours travel time each visit, pay for the weekly consult yourself. In time and money you will most likely rack up much more cost than if youŽd get treatment in Switzerland with a Swiss health insurance.

Can you take off half a day a week from work every week?
Definitely I wouldn't want to and probably wouldn't be able to use vacation days for that. Only possibility is taking illness days, but not sure how my employer would be happy if I'd effectively work on 85% load. So being realistic, and also taking in account your 1st paragraph, Germany option is not an option anymore.

Now the health insurance. Looks like I can't escape standard model, although I've found that telmed with a free choice of doctors could be ok, in case I would find a service with non-binding advising, no time limits and no need to inform medcentre before every visit of doctor. Some telmed options seem to be bordering on legal scam.
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  #23  
Old 09.01.2018, 20:46
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Re: Mental Health Coverage

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Definitely I wouldn't want to and probably wouldn't be able to use vacation days for that. Only possibility is taking illness days, but not sure how my employer would be happy if I'd effectively work on 85% load.
YouŽd most likely be fired pretty soon
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  #24  
Old 10.01.2018, 22:24
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Re: Mental Health Coverage

back to choosing health insurance. I have been told to go with Assura only if I'm assured that I won't need a doctor. If money wasn't the question I would go with Swica standard model, as apparently they have everything available in good ol' English, have very good reviews (or just good marketing) and I can't find many complaints. However they can get pricey, especially with standard model - nearly 490CHF. I am not dodging it yet, but if there is anything else that is cheaper and reasonable, then I'd go with other options.

What about swica telmed model?It's about 420CHF and it may not differ from standard model much, except the obligation to call the medcentre before doing anything:

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SWICA Favorit Telmed

Telmed model

With the Telmed model, policyholders are required to obtain medical advice over the telephone for every newly occurring health issue. Exceptions are usually preventive gynaecological exams, eye treatments and emergencies.
Is the recommendation over the telephone binding?

No
Choice of doctor

Free choice of doctor
Non-binding recommendation and free choice of doctor (which I guess includes specialists as well, not just GPs).
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Old 10.01.2018, 23:53
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Re: Mental Health Coverage

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back to choosing health insurance. I have been told to go with Assura only if I'm assured that I won't need a doctor. If money wasn't the question I would go with Swica standard model, as apparently they have everything available in good ol' English, have very good reviews (or just good marketing) and I can't find many complaints. However they can get pricey, especially with standard model - nearly 490CHF. I am not dodging it yet, but if there is anything else that is cheaper and reasonable, then I'd go with other options.

What about swica telmed model?It's about 420CHF and it may not differ from standard model much, except the obligation to call the medcentre before doing Telmed

Non-binding recommendation and free choice of doctor (which I guess includes specialists as well, not just GPs).
That’s what I have. And, for example, I‘m having a knee replacement in a month. I choose the doctor myself (based on a recommendation) was able to make an appointment without a referral. As a new patient, it was a 4 week wait, but once I saw the doc, and decided to go ahead with the procedure, I have had no issues with Swica - called them to inform them of my appointments, easy, no crap. They speak English, and seem to be polite and competent.
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  #26  
Old 11.01.2018, 09:15
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Re: Mental Health Coverage

Note: the Telmed model specifies that one must inform before every newly arising health issue - once the initial report is made one does not need to call back for any further appointments related to the issue.


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back to choosing health insurance. I have been told to go with Assura only if I'm assured that I won't need a doctor. If money wasn't the question I would go with Swica standard model, as apparently they have everything available in good ol' English, have very good reviews (or just good marketing) and I can't find many complaints. However they can get pricey, especially with standard model - nearly 490CHF. I am not dodging it yet, but if there is anything else that is cheaper and reasonable, then I'd go with other options.

What about swica telmed model?It's about 420CHF and it may not differ from standard model much, except the obligation to call the medcentre before doing anything:



Non-binding recommendation and free choice of doctor (which I guess includes specialists as well, not just GPs).
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