Hello everyone,
For context: When my wife and I arrived in Switzerland 5 years ago, we took out “flex” supplementary hospital insurance (i.e. you have the option to be basic, semi private or private for every hospital stay) for my wife (not for me) for the only reason that we were planning to have kids in the following years and that my wife wanted to give birth at a private clinic which you could only have access to with semi-private insurance (or at a prohibitive price if you only have basic insurance and pay out of pocket). Although I know some people here will challenge this choice in the first place, we are very happy about this decision as my wife gave birth to our two children in this private clinic and both stays were great memories, and we don’t think that a stay at the public hospital could have rivalled this experience in terms of care, comfort and of course for the certainty to have a private room with only one bed. However, we are now wondering whether we should keep the “flex” supplementary hospital insurance or get rid of it as it is quite pricey, it is uncertain whether we will have a third child or not, and even if we do it will most likely be in 3-4 years. We are therefore tempted to get rid of it but we would feel much more comfortable about this decision if we knew that in X years we could anyhow re-take it without being rejected by the insurance company. However, I feel like this is a real possibility given that my wife would by then be over 35 years old (which I heard is kind of a threshold age for taking out supplemental insurance for most insurers, but not sure if it’s true or a myth, especially if one doesn’t have any pre-existing conditions?)…
Does anyone have an opinion / experience about this?
