A couple months back my 3yo fell, hit his head so I took him to the KinderSpital for a check.
Now I got bills from the child's insurance, and also from my own insurance.
For one thing, I thought accidents did not have a deductible (at least I remember not paying in the past, after I wrote a paper declaring that it was an accident). I asked them and they claim all is in order.
But I am even more surprised to be billed also by my own insurance (just received that one).
Did you sleep in your childs room? Or had some meals? That might have ended up on your bill.
For children there is the option to have a privat accident insurance. Do you have that? Otherwise it will be covered by the health insurance but there will be a deductible.
We were only an hour or so at the hospital to have him checked, no meals, rooms, nothing.
We have "normal" accident insurance for the children through the health insurance provider. I remember in the past not having to pay for accidents but seems like my memory is faulty...
When you say "your" insurance do you mean that you got a bill for yourself or billed via insurance for the child?
At times there are treatements that get billed directly via insurance and also to self. For example blood tests can go via a Laboratory that bills you directly so for one visit you could end up with a bill from medical provider to insurance and a bill to yourself for other stuff.
You need to check who the bill was addressed to and who the patient is
The bill is for me, from MY insurance. AFAIR I never even had to show MY insurance card, my child was the one being treated (only checked, actually) and for him I already got the bill from HIS insurance.
Confusing. Maybe I should call the hospital and ask them.
Yeap, call your insurance and ask to itemise the bill and why it's not covered. Them saying "don't worry it's ok - alles in ordnung" sounds like just a guy on the phone shrugging it off"
I am confused. It should be clear for what services you are getting charged as on the bill it should be stated what the bill is actually for. Quite detailed usually with tarmed numbers, TP values etc. etc.
If that what the parents choose. It is true for most people but it is possible to choose a higher deductible for children. It doesn’t really make much sense to go for a higher deductible as premiums are so low for kids anyway and they are quite likely to need to see a doctor but some parents do choose it nevertheless.
Get in touch with the customer service desk. However, today all info should be available online - bills, including Leistungsabrechnungen, contracts, etc. All you need is a password. From talking to people, Helsana and Sanitas are good choices. If you have Assura, change as soon as you can. Notorious for sh*t customer service.
The franchise for children is limited to 600, the rebate off the annual base premium is limited to 60% of the franchise.
So if your child has an issue every other year or less often, you're better off with the maximum franchise regardless of the cost. The same applies if there's at least one issue every year but the cost is always less than 400.- per year.
Basically, unless the child suffers from a condition that requires ongoing tretment you're better off with the maximum franchise.
Tom, if anything that's a matter of the insurance company (though I find that unlikely). Using location Lugano on Priminfo (1 adult, 1 child, both maximum deductible) I get multiple results, with Assura and Arcosana being the cheapest offers. I seem to remember that you're talking about 5-10 years ago (isn't one in her mid-twenties today?) that makes changes in regulation as the reason unlikely.
I mean this really humbly, but in case anyone takes this as advice, it’s an unlikely scenario. Young children are regularly going to the doctors, it’s almost Inconceivable toe you would take anything other than as Tom said the 0 option which is what we did despite having tue possibility to do so. So I don’t disagree on the logic, but the reality I would advise is take 0 if at all possible.
I couldn’t agree more. Up until the age of about 10 at the very least it is extremely unlikely that a child won’t need to see a doctor at least once a year and probably more often than that in the early years.
I don’t know anyone who didn’t take 0 as their deductible for kids even though other options existed.