mhutererApr 3, 2008 @ 19:02
I'm not an insurance expert, but I'm pretty sure that when you get insurance, it only catches future events, not past events.
In any case, I recommend you contact Zurich Insurance on this, and ask. They give free insurance advice, in English, to glocals memebers.
As per the doctor costs: if it's just a simple thing you're probably looking at CHF 100 or so. From there, the sky is the limit...
Hope things turn out well...
Nir
I'm not an insurance expert, but I'm pretty sure that when you get insurance, it only catches future events, not past events.
In any case, I recommend you contact Zurich Insurance on this, and ask. They give free insurance advice, in English, to glocals memebers.
As per the doctor costs: if it's just a simple thing you're probably looking at CHF 100 or so. From there, the sky is the limit...
Hope things turn out well...
Nir
Nir Ofek, Apr 3, 2008 @ 20:17
Some of the information is right, whilst some I think is not.
You can go to any doctor of your choice and if you wish so you can pay right there. The insurance will give you back the money, but you need to be insured previously to this visit.
Visit following site
www.comparis.ch
to get some information on the prices, as they differ very much.
By law aou have to have an insurance in CH, it consists of two parts. One is the basic coverage for all outpatient care, the other in the event of staying at the hospital. You don't necessarnecessarily have them in the same insurance. The first one is easy to get, no insurance can deny it, the other can be refused or the price risen if you have some medical burden.
The other thing you need to know is that you have to chose a so called "franchise". This is the amount you have to pay per year of all your bills. You can choose from a minimum of 300 up to 2000-3000 ChF. A higher franchise will give more affordable rates.....
Good luck.
Andrej
Some of the information is right, whilst some I think is not.
You can go to any doctor of your choice and if you wish so you can pay right there. The insurance will give you back the money, but you need to be insured previously to this visit.
Visit following site
www.comparis.ch
to get some information on the prices, as they differ very much.
By law aou have to have an insurance in CH, it consists of two parts. One is the basic coverage for all outpatient care, the other in the event of staying at the hospital. You don't necessarnecessarily have them in the same insurance. The first one is easy to get, no insurance can deny it, the other can be refused or the price risen if you have some medical burden.
The other thing you need to know is that you have to chose a so called "franchise". This is the amount you have to pay per year of all your bills. You can choose from a minimum of 300 up to 2000-3000 ChF. A higher franchise will give more affordable rates.....
Good luck.
Andrej
and70, Apr 7, 2008 @ 22:36
- If you are staying in switzerland for more than 3 monthes, you've got to have a basic swiss health insurance, and you've got 3 monthes to get it.
- This insurance contract will start on the date you started living in Switzerland (so even if you arrived in february and sign your contract in april, you've to pay premiums since feb).
- So, what happened in that 3 monthes period is covered.
- As stated higher, you've a cost participation ("franchise") in these basic swiss health insurance policies, ranging from 300 to 3000chf/year. The highest the cost participation is, the lowest the premiums are, so it's usually a good choice if you're young and healthy.
Let me know if you need more infos, I'll try to answer (I'm an insurer but far from specialized in health insurances)
Remy
- If you are staying in switzerland for more than 3 monthes, you've got to have a basic swiss health insurance, and you've got 3 monthes to get it.
- This insurance contract will start on the date you started living in Switzerland (so even if you arrived in february and sign your contract in april, you've to pay premiums since feb).
- So, what happened in that 3 monthes period is covered.
- As stated higher, you've a cost participation ("franchise") in these basic swiss health insurance policies, ranging from 300 to 3000chf/year. The highest the cost participation is, the lowest the premiums are, so it's usually a good choice if you're young and healthy.
Let me know if you need more infos, I'll try to answer (I'm an insurer but far from specialized in health insurances)
Remy
RemyS, Apr 9, 2008 @ 16:21
Nir
Nir
Nir Ofek, Apr 9, 2008 @ 16:35
Rémy
Rémy
RemyS, Apr 9, 2008 @ 19:07
I was wondering if anyone knows if international insurance ( BUPA) covers gynaecology check ups. I had swiss insurance last year that covered this, but am not sure if they accept an international insurance
Any information would be appreciated
I was wondering if anyone knows if international insurance ( BUPA) covers gynaecology check ups. I had swiss insurance last year that covered this, but am not sure if they accept an international insurance
Any information would be appreciated
sheenavohra, Apr 14, 2008 @ 05:11
some corrections :
-franchise : minimum 300 chf/year up to 2500chf/year
-The insurance start on the on the 1st of the mounth you sign the insurance proposition ( if you sign on 3rd april or 30th april the basis insurance start on 1st April) and you have 3 mounth to choose an insurance but you re not obliged to start the insurance the day you arrived in Switzerland but if you don t respect this delay, the administration will choose one for you with the minimum franchise and you won t be able to change untill the end of the year.
-If you don t have a job or if work for your own you also have to suscribe accident coverage in your health insurance.
- finally, you can t be refused for the basis insurance, even if you re not healthy cause no medical questionary is asked for the legal insurance.
I work with different insurance ( helsana, groupe mutuel, assura...), I can provide discount on aditional insurance ( complementaire ), so just let me know if you need my help.
Patrick
some corrections :
-franchise : minimum 300 chf/year up to 2500chf/year
-The insurance start on the on the 1st of the mounth you sign the insurance proposition ( if you sign on 3rd april or 30th april the basis insurance start on 1st April) and you have 3 mounth to choose an insurance but you re not obliged to start the insurance the day you arrived in Switzerland but if you don t respect this delay, the administration will choose one for you with the minimum franchise and you won t be able to change untill the end of the year.
-If you don t have a job or if work for your own you also have to suscribe accident coverage in your health insurance.
- finally, you can t be refused for the basis insurance, even if you re not healthy cause no medical questionary is asked for the legal insurance.
I work with different insurance ( helsana, groupe mutuel, assura...), I can provide discount on aditional insurance ( complementaire ), so just let me know if you need my help.
Patrick
Tryky, Apr 15, 2008 @ 05:01
We found an insurance company and they are going to cover all our appointments even the ones that we went to before we had insurance.
Thanks Again,
p.s. the appointment went very well
We found an insurance company and they are going to cover all our appointments even the ones that we went to before we had insurance.
Thanks Again,
p.s. the appointment went very well
mspolly, Apr 15, 2008 @ 15:52
I can't say for BUPA in particular, but my insurance is international and certainly does apply for ob/gyn check ups.
I can't say for BUPA in particular, but my insurance is international and certainly does apply for ob/gyn check ups.
Emsy, Apr 15, 2008 @ 17:24
One person mentioned paying a high Franchise if you're young and healthy to reduce premiums... I'm totally sold on that idea, thanks, so looking for a good recommendation so I can make some changes... much appreciated.
Dean. :D
One person mentioned paying a high Franchise if you're young and healthy to reduce premiums... I'm totally sold on that idea, thanks, so looking for a good recommendation so I can make some changes... much appreciated.
Dean. :D
Deano1uk, Apr 17, 2008 @ 15:31
Don't forget one thing, you can't change when you want, when you have the lowest franchise you can change for another insurance 1st of july and january, for all the other franchises only 1st of january (with a 3 monthes notice in both case, even if usually you can cancel until the 30th of november because the premiums are getting more expensives).
What you could maybe do, and only by writting them a letter, is to ask them to change it from 01.01.2008, if you didn't had any medical expenses so far. Keep in mind that they don't have to accept it, they only do it sometimes during the first few monthes of the year and as we're mid april, it's prolly a bit late but you can try, not much too lose except 15 minutes.
For who you could deal with... usually for my english-speaking customers I used Intras, it's a good insurance, decent price, and they have enough english speaking people, in case one of them needed to talk with someone in the insurance.
If you need more infos, you have my phone/mail (and maybe I see you wuickly tomorrow actually anyway).
Remy
Don't forget one thing, you can't change when you want, when you have the lowest franchise you can change for another insurance 1st of july and january, for all the other franchises only 1st of january (with a 3 monthes notice in both case, even if usually you can cancel until the 30th of november because the premiums are getting more expensives).
What you could maybe do, and only by writting them a letter, is to ask them to change it from 01.01.2008, if you didn't had any medical expenses so far. Keep in mind that they don't have to accept it, they only do it sometimes during the first few monthes of the year and as we're mid april, it's prolly a bit late but you can try, not much too lose except 15 minutes.
For who you could deal with... usually for my english-speaking customers I used Intras, it's a good insurance, decent price, and they have enough english speaking people, in case one of them needed to talk with someone in the insurance.
If you need more infos, you have my phone/mail (and maybe I see you wuickly tomorrow actually anyway).
Remy
RemyS, Apr 17, 2008 @ 17:26
Nir
Nir
Nir Ofek, Apr 17, 2008 @ 18:23
