CSS flex health insurance

Finance, Taxes, Banking, Insurance and Retirement
1
Hi,

I have a few questions on my health insurance. I have this flex insurance at CSS where you can choose general ward/half-private or private when entering a treatment at the hospital.

Now I was hospitalized and I was thinking as I did not say anything it would be general but now it seemed they treat and charge me half-private. Is this normal? Is this not asked when entering and set standard on half-private?

Also I thought that the 20% I know have to pay on this stay was just so the say on the room and the “hotel-services” but CSS charges me on 20% on the

Medical services, inpatient Clinical services and inpatient Inpatient hotel/comfort services. Is this correct?

I am now almost fulll through the 2.500 own risk, the 700 retention fee and the max 2.000 contribution on half-private, an expensive year!

Any thoughts or tips?

2
Can I ask how much does it cost per day a semi-private room?

I am about to take that same insurance, I am having such a hard time understanding what is all these about

3
I first came to Switzerland in 83, so I was a bit younger then I have always had the lowest possible franchise. Some years that was not a good choice but in the long run it certainly has been.

With regard to semi-private/private. You need to to look at your contract closely. In general, this insurance is a luxury (you get better accommodation), but it is debatable whether or not the medical treatment is better - you get more choices of doctor, better attention during the day, but private hospitals may be less well staffed, particularly at night.

Of interest are the add-ons you can get to the basic insurance.