We got our cards today.
I got Helsana because of the fitness benefits: it covers up to 800 CHF (100%) per year, plus 75% after that. Also, other benefits like massage with recognised practitioners 100% reimbursed. I am paying about 720 CHF/year for that premium (only the premium)
Any recommendation for next year? I am quite happy with the fitness benefit since around my place there´s no much cheaper options.
is it covering also glasses, vaccines, dentist, etc?
It covers certain amount on glasses and vaccines. I think nothing about dentist.
Here you have all the benefits (I am not advertising tho…just want some advise):
Completa Extra Helsana
I thought that Swica had good coverage/reimbursement, but Helsana seems better. I will take a deep look. Thanks
Edit: with swica I pay for similar services coverage around CHF 480/y (but for example for the fitness part is 300 or 500 based on the gym/activities)
Good for you! I eventually got my card too, this week.
Best
Don.
Hi everyone
is there an online calculator to assess the effective costs of health-related treatments in Switzerland?
I mean a tool were you can input the franchise, the type of request, i.e. a medical operation in a Hospital, and tells you how much it will this cost (out of your pocket)?
Many thanks.
Not sure if there is a calculator.
But my understanding is as follows:
it’s up to your franchise and then 10% of further cost until you reach cost of 7k (so 700.- out of your pocket) and on top you pay per night hospital <100.- no matter where you’re at with your franchise.
Thanks @MUFC_OK that’s confirm my understanding a part from the hospital part: is that on top regardless?
Best
Don.
It’s 15 CHF per night on top of Franchise and Selbstbehalt.
I see @Erma, thank you.
It was announced that in 2023 there would be some increase in health insurance premiums, but I thought they would be in the range of ~5% point or so.
We found a ~15% increase by SWICA, I know it’s not the best for saving money, we may indeed now review our insurance choice.
What are your experiences and are you reviewing health insurance choices according to the latest increases?
I always switch to the cheapest possible plan of the cheapest insurance. I never used it so far, but I think the differences between providers can’t be too big. The basic insurance is regulated and standardized. I don’t have supplemental insurance.
Sorry but you are kind of 5 months late to the party.
Thanks, we dont optimize this expense that much indeed .
I thought now people would be more aware of the increases (including non-basic insurance products) compared to last year’s announcements.
Didn’t you receive this information last year in September/October already?
They must inform you about the new bill, so you have the chance to change to a different health insurance company.
Guys… I switched from Assura to KPT due to the increase, I am yet to receive either my new policy, my login, a bill… They don’t answer my emails, waiting in the telephone line for an hour, no answer. Shall I start worrying?
They use the “we got too many demands” excuse. On KPT’s website it says all new customers should receive everything by end of january. We are now february.
I signed up to KPT on the 25th of october , I received an automatic confirmation email. Do they serve the newer demands first or what? I rarely use my insurance, but I’d like to pay already, not to find myself with 2-3 months of backtracks to pay, and i’d also like to know if I’m insured somewhere… In the end to save a few 10s of francs in a month, was it worth it?.. Say what you will of Assura, at least they were always reactive
My girlfriend did receive it in the post. But not me, we have similar plans and options.
Maybe on my online account but i don’t really check it.
Be patient. I got a “thank you” letter that says that apparently the number of clients they have for the basic insurance has grown of almost 50%! They are hiring a lot of people right now.