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bulldong

Original Poster:

1,648 posts

83 months

[news] 
Monday 4th June 2012 quote quote all
My premium just went up to 320chf/month for a pretty basic tariff. Hurts quite frankly as I never go to the doctor and I still have to pay the first 500chf of any medical visit in a year. I maybe go to the doctor once a year (if that) so have never reached the 500chf excess.

Anybody got any cute suggestions?

I can't believe that everyone in this country, no matter rich or poor is paying so much? What happens if you have a family!?

Schnellmann

1,577 posts

84 months

[news] 
Monday 4th June 2012 quote quote all
bulldong said:
My premium just went up to 320chf/month for a pretty basic tariff. Hurts quite frankly as I never go to the doctor and I still have to pay the first 500chf of any medical visit in a year. I maybe go to the doctor once a year (if that) so have never reached the 500chf excess.

Anybody got any cute suggestions?

I can't believe that everyone in this country, no matter rich or poor is paying so much? What happens if you have a family!?
Ask for a much bigger excess than CHF 500 (if you don't hit CHF 500 then you might as well not hit CHF 2500).

You can look to change health insurance companies. You can use Comparis to compare. However, you should never cancel your existing policy until you have a new one signed up.

bulldong

Original Poster:

1,648 posts

83 months

[news] 
Monday 4th June 2012 quote quote all
Thanks, I tried increasing the excess to 2500 and bizarrely the premium only went down by something like 30chf/month, so it was negligible.

I was thinking though that surely if you have a family, then people can end up paying 1500-2000chf/ month on health insurance?

I am 24, I don't smoke, no negative medical history, and yet it just seems to be absurdly expensive. I have been paying it for 2 years anyway, but it just went up again, so was looking for a way around it.



Schnellmann

1,577 posts

84 months

[news] 
Monday 4th June 2012 quote quote all
bulldong said:
Thanks, I tried increasing the excess to 2500 and bizarrely the premium only went down by something like 30chf/month, so it was negligible.

I was thinking though that surely if you have a family, then people can end up paying 1500-2000chf/ month on health insurance?

I am 24, I don't smoke, no negative medical history, and yet it just seems to be absurdly expensive. I have been paying it for 2 years anyway, but it just went up again, so was looking for a way around it.
Health insurance a big cost for families. However, rates for children are lower (and there is no excess). Still, I think that a lot of people rely on subsidies to afford their monthly payments. I don't know how the system works or who is eligible though.

WelshBoyo

407 posts

55 months

[news] 
Monday 4th June 2012 quote quote all
Who are you insured with? We are with Progres and they seem excellent and adding the twins on was only an extra 100chf or so per month. However I almost had a heart attack when the hospital said my insurance wouldn't pay for my little boys stay in intensive care. Luckily the cantonal insurance (apparently we pay something toward this in our pay check?) stumped up the bill.

Or just move company and get your new employers to pay the insurance, that seem the ex-pat way ;-)
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eyebeebe

1,390 posts

113 months

[news] 
Tuesday 5th June 2012 quote quote all
Happy to put you in contact with the (English) broker who helped when my girlfriend moved over. There's no cost involved as I guess they get kick backs from the insurance companies.

Bear in mind that you can only cancel your insurance at the end of the year and for your basic insurance you must give notice by the end of November and for supplementary (if you have any) by the end of September.

Something else to think about if you don't already is to use the "GP" model, where you have to see a specific GP, of your choosing, before going anywhere else. It's just like the British way of doing it, but you save 10-20% on the standard Swiss model, which is that they have a free choice of doctor.

As has been said crank up the deductible as much as possible if you are in good health. In Zurich, which isn't the cheapest place at all (it's all Canton dependant) with the GP model and 2,500 deductible you would be looking at just over 200 a month.

bulldong

Original Poster:

1,648 posts

83 months

[news] 
Tuesday 5th June 2012 quote quote all
eyebeebe said:
Happy to put you in contact with the (English) broker who helped when my girlfriend moved over. There's no cost involved as I guess they get kick backs from the insurance companies.

Bear in mind that you can only cancel your insurance at the end of the year and for your basic insurance you must give notice by the end of November and for supplementary (if you have any) by the end of September.

Something else to think about if you don't already is to use the "GP" model, where you have to see a specific GP, of your choosing, before going anywhere else. It's just like the British way of doing it, but you save 10-20% on the standard Swiss model, which is that they have a free choice of doctor.

As has been said crank up the deductible as much as possible if you are in good health. In Zurich, which isn't the cheapest place at all (it's all Canton dependant) with the GP model and 2,500 deductible you would be looking at just over 200 a month.
Thanks! Can you pm me his details or post them on here? That would be v useful!

eyebeebe

1,390 posts

113 months

[news] 
Tuesday 5th June 2012 quote quote all
bulldong said:
Thanks! Can you pm me his details or post them on here? That would be v useful!
Sent you an email earlier.

bulldong

Original Poster:

1,648 posts

83 months

[news] 
Tuesday 5th June 2012 quote quote all
eyebeebe said:
bulldong said:
Thanks! Can you pm me his details or post them on here? That would be v useful!
Sent you an email earlier.
Thanks very much, received :-) will get in touch with her tomorrow.

Cheers

Carmo99

1,161 posts

66 months

[news] 
Thursday 21st June 2012 quote quote all
I'm surprised at your insurance. I pay under 800CHF for the family including full dental insurance for my daughter. I think my wife and I are 275 each, daughter 150 + 80 (dentist) and thats with 300CHF deductible. I use Aquilana but I know they are not the cheapest also.

It could be my location of course as Aargau is cheaper for hospitals etc. Also the premium doesn't seem to be affected if your healthy or have a poor medical history. Which is good if you or someone in your family is not so lucky, you can still afford to have medical care no matter how much medical treatment you need.



Edited by Carmo99 on Thursday 21st June 15:56

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