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Looking for a medical insurance
Hi, any suggestions regarding the health insurance (including dental coverage)? I was advised to use expatplus, but unfortunately US citizens are not eligible. Thank you...
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Hi, any suggestions regarding the health insurance (including dental coverage)? I was advised to use expatplus, but unfortunately US citizens are not eligible. Thank you...
gulchatayMay 10, 2008 @ 16:48
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Re: Looking for a medical insurance
Post 1
Check out comparis.ch. You type inwhat you need, then see all the companies and your options with prices. Then the companies send you the forms.



I will have to say, it is often much cheaper to get living abroad insurance from the UK. About 100 chf/mo cheaper. I'm a US citizen and get mine from the UK. Works every but the US ironically. Although it does cover me for accidents while visiting the US.




The text you are quoting:
Check out comparis.ch. You type inwhat you need, then see all the companies and your options with prices. Then the companies send you the forms.



I will have to say, it is often much cheaper to get living abroad insurance from the UK. About 100 chf/mo cheaper. I'm a US citizen and get mine from the UK. Works every but the US ironically. Although it does cover me for accidents while visiting the US.





LaurenM, May 10, 2008 @ 20:40
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Re: Looking for a medical insurance
Post 2
Oh, and dental. Not worth the cost. For accidents like falling and breaking teeth, your accicent insurance covers it. Otherwise companies require you to visit a dentist and have all your work done, and paid out of pocket before coverage begins.



Again, it's cheaper usually to just get them cleaned out of pocket, and then make a trip to Germany for any dental work.
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Oh, and dental. Not worth the cost. For accidents like falling and breaking teeth, your accicent insurance covers it. Otherwise companies require you to visit a dentist and have all your work done, and paid out of pocket before coverage begins.



Again, it's cheaper usually to just get them cleaned out of pocket, and then make a trip to Germany for any dental work.
LaurenM, May 10, 2008 @ 20:42
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Re: Looking for a medical insurance
Post 3
you should be aware, that getting insurance from these companies is not forbidden, however, you are required by swiss law that if you are a resident in switzerland ( B, or C or L permit) you are required to cantract health insurance in the canton you reside in. premiums vary from one canton to another ( Valais is one of the cheapest) but you cannot sign up for health insurance from another canton......otherwise we'd all be insured in the valais.
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you should be aware, that getting insurance from these companies is not forbidden, however, you are required by swiss law that if you are a resident in switzerland ( B, or C or L permit) you are required to cantract health insurance in the canton you reside in. premiums vary from one canton to another ( Valais is one of the cheapest) but you cannot sign up for health insurance from another canton......otherwise we'd all be insured in the valais.
epicure, May 11, 2008 @ 12:07
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Re: Looking for a medical insurance
Post 4
Actually, it would be possible to have only a contract with a foreign health insurance while leaving in Switzerland, but your policy would have to cover you for everything the basic insurance cover does in Switzerland (in Geneve the Service de l'Assurance Maladie would have to accept it).

Remy
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Actually, it would be possible to have only a contract with a foreign health insurance while leaving in Switzerland, but your policy would have to cover you for everything the basic insurance cover does in Switzerland (in Geneve the Service de l'Assurance Maladie would have to accept it).

Remy
RemyS, May 12, 2008 @ 21:05
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Re: Looking for a medical insurance
Post 5
Oh, and dental. Not worth the cost. For accidents like falling and breaking teeth, your accicent insurance covers it. Otherwise companies require you to visit a dentist and have all your work done, and paid out of pocket before coverage begins.

Again, it's cheaper usually to just get them cleaned out of pocket, and then make a trip to Germany for any dental work.
May 10, 08 20:42

...or simply go to France. But I agree, this dental cover is not worth it.

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...or simply go to France. But I agree, this dental cover is not worth it.


Martyna S, Jul 17, 2013 @ 09:52
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Re: Looking for a medical insurance
Post 6

 


Be wary of any offer that seems to be a great deal.  Premiums are frequently “revised” – upwards, of course – in the Autumn and you could be in for a nasty surprise.


I agree with the suggestion to ask around, particularly colleagues and expats who’ve been in CH for a few years.  Their first-hand experiences can be invaluable.


R.

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Be wary of any offer that seems to be a great deal.  Premiums are frequently “revised” – upwards, of course – in the Autumn and you could be in for a nasty surprise.


I agree with the suggestion to ask around, particularly colleagues and expats who’ve been in CH for a few years.  Their first-hand experiences can be invaluable.


R.


Ritchie, Jul 17, 2013 @ 23:45
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Re: Looking for a medical insurance
Post 7

Hi,


please also note that not everyone is entitled to the Swiss mandatory health insurances (Lamal) obligation.


Non Swiss residants, or Expats working for international organistations, (UN,WHO, missions, Ambassies, etc...) with a legitimation card, can get their health insurance through international health insurance companies, in which you may also get dental cover with a real coverage


Routine dental care, dental protheses, Major dental treatment,


possible covers 1500.- / year for dental, up to 3'000.- (or 5'000.-) per year per family with a higher coverage.


some covers can be complementary to mandatory health insurance for those who don't have a legitimation card.


At your disposal for further info,


cheers


Aymeric (Allianz Glocals agent)

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Hi,


please also note that not everyone is entitled to the Swiss mandatory health insurances (Lamal) obligation.


Non Swiss residants, or Expats working for international organistations, (UN,WHO, missions, Ambassies, etc...) with a legitimation card, can get their health insurance through international health insurance companies, in which you may also get dental cover with a real coverage


Routine dental care, dental protheses, Major dental treatment,


possible covers 1500.- / year for dental, up to 3'000.- (or 5'000.-) per year per family with a higher coverage.


some covers can be complementary to mandatory health insurance for those who don't have a legitimation card.


At your disposal for further info,


cheers


Aymeric (Allianz Glocals agent)


Aymeric Brossard, Jul 18, 2013 @ 10:26
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Re: Looking for a medical insurance
Post 8

Hi can anyone recommend medical company in the lausanne area for reasonable insurance premiums ?  many thanks

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Hi can anyone recommend medical company in the lausanne area for reasonable insurance premiums ?  many thanks


wendlyn, Jun 8, 2014 @ 22:20
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Re: Looking for a medical insurance
Post 9

Hi which company in the UK do you use please ?

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Hi which company in the UK do you use please ?


wendlyn, Jun 8, 2014 @ 22:24
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