Given the fact that premiums of both my health insurance and supplementary insurance (2 out of 3 components) have risen, we can still cancel them.
Because we are both healthy and costs were not even close to our franchise, I am wondering if it makes sense at all to have supplementary insurance.
You do not know the future, best to keep a good coverage while you're young and healthy.
Do know that if you do cancel and (as inwinti said God forbid) unfortunately one of you becomes ill, there is no way back to complementary insurance.
Not worth the pennies saved.... really
Basic coverage will cover you for all treatments but I think the main difference is that you are a bit more restricted on choice of hospitals, private rooms, perks like partial refunds of gym memberships, etc.
Coming from the UK, though, even the most basic of basic coverage here seems like the lap of luxury for me, though...
I have supplementary insurances that I have been paying for years and have always wondered why but never bothered to change - perfect model for any insurance company.
I was rather shocked to discover I was paying around 50% more than another "Kassen" for something I was not that desperately interested in and was not going to be covered for things I wanted to be covered for.
This was rather upsetting and add to this that I could not even get cover for the things I wanted without being insured P1 ie Private single bed, I had no option but to change companies.
I guess that what this tells me and should tell you is that using the services of Comparis gives you an idea that you are paying too much but you still need to read the small print of the cover provided to discover if you are getting what you think you are paying for.
Note the above does not apply for the mandatory insurance which is the same wherever you go.
Also note that if you have supplementary insurances you need to give notice 3 months in advance and unless the price increases in the individual insurance then they don't need to accept your later request to quit.
In other words if you have a dental insurance, a private insurance and an alternative medicine insurance and only 2 of these increase then the third insurance cannot be terminated and is at the discretion of the health insurance company.
plus mine includes travel abroad for up to 12 weeks, which is important for us. it also includes full cover throughout CH which I needed because I live in Lausanne but work in Bern and if I didn't have the supplementary and something happened while at work the insurance wouldnt cover anything.
DH has his regular insurance with one company and the supplementary with another because we liked the policy better. So it is possible to be with a different company for supplementary. Something to consider I guess.
Unfortunately I found this out the hard way - and given that I now have a pre-existing condition I cannot get the additional coverage.
Don't make the same mistake - semi or private is worth the price, IME.
Was it recommended by a doctor?
might not need the extra coverage once I stop working in Bern. For the time being I need to see a Dr, etc in Bern because there just isn't time to get to Lausanne for that without taking a half day's leave.
no....
but when I asked my insurance company before I went they said I didn't need the recommendation....hopefully they understood my question! I've only just started my weekly massages so best find out now before the bills rack up!
Definitely worth it! since I am pregnant I have no other way to take care of the pains in my neck since my regular pain meds aren't allowed
am also looking into other 'alternative' methods for the same thing. Perhaps an osteopath or something. it's all covered by my supplementary insurance, but up to a maximum amount (which I can't remember off the top of my head).
Personally I would say that supplementary insurance is a "nice to have" if you can afford or want it but by no means is it actually needed to get decent mediacl treatment.
From Comparis:
"Allgemeine Abteilung ganze Schweiz: Anspruch auf Behandlung auf der allgemeinen Abteilung auch in Spitälern ausserhalb des Wohnkantons.
Halbprivate Abteilung ganze Schweiz: Anspruch auf Bezahlung eines Zweibettzimmers und in der Regel auf Behandlung durch den Oberarzt .
Private Abteilung ganze Schweiz: Anspruch auf Bezahlung eines Einbettzimmers und in der Regel auf Behandlung durch den Chefarzt.
---
When things started to go wrong, the floor nurse called the Oberarzt, but was told that I could not be treated by him as my insurance was only general ward.
As with everything in Switzerland: YMMV, likely by canton, hospital and perhaps even by insurer.
Having had that experience, though, I would recommend at least semi-private insurance if one is can get it.
I choose my doctor for my operations by scheduling my operation on my doctors operation day.
And if like us you join the system late, WITH health problems they just say
'computer says Nooooo'. They can't stop you getting basic insurance, but can refuse all complimentaries. That means we have absolutely no choice of Specialist or Hospital if anything goes wrong.