For in patient stay, the insured person must talk to BetterDoc beforehand. But the suggestion of BetterDoc is a recommendation and there is no obligation to follow their advice (regarding doctor / hospital).
I don’t fully understand the role / need of BetterDoc. Is it just to route patients to suitable and/or less expensive hospitals ?
On another note, anyone having experience with ÖKK or SSLK?
I really believe the companies offering KVG are supplying the exact same heavily regulated product.
If I were afraid to have issues, I’d go for the cheapest company and get a Rechtsschutz insurance. Getting a more expensive insurance protects by no means from having problems with coverage and invoices.
If I stay at Aquilana, I‘ll pay 422 CHF per month. Concordia Telmed is 417 CHF per month (2nd cheapest) and Agrisano AgriSmart is 397 CHF per month. So you would go with Agrisano?
As I essentially never go to the doctor, I’ll always go with the cheapest. It’s literally just a worst case insurance for me and there all should be equally fine.
This time it’s the Agrisano smart.
Sister of my girlfriend works at Agrisano; but not in the health insurance department.
Will either switch to them or to ÖKK, difference are only couple of Rappen:
Do they offer discounts for annual payment? Sometimes you get another 1% if you pay annually. Might move the needle a tiny bit
Yes:
1% if you pay everything upfront.
0.5% if you pay twice a year.
I will remain with monthly contributions, since I have higher returns with that money.
It’s like investing the total amount in a 1-year 1% bond. Would you do that otherwise? If yes, go for it, if not choose monthly and invest according to your normal investments.
Actually, the comparable return when investing would need to be 2%. You’re not able to invest a year’s worth of premiums for 12 months. You’re able to invest 1/12 for 1 month, 1/12 for two months, and so on. On average you’re investing the money for 6 months.
You save 1% for paying your premiums 6 months (on average) in advance, hence 2% p.a.
If you can pay all of the insurance premiums on day 1, you could also invest that exact money elswhere on day 1 (or more 11/12, due to the first month you have to pay in any case)
That was my benchmark for this.
I do the same. At 300 deductible, I’d be paying 120.– more per month.
So I’d need to have medical costs of at least 1’740.– (300 + 12 × 120) before I’d be saving anything with the highest deductible, and the maximum amount I’d be able to save would be 760.– (2500 - 300 - 12 × 120).
Sure, I get what you meant, I was just demonstrating that it should be compared to a 2% p.a. investment, not one with 1% p.a.
For the sake of completion, the intersection would be 1’900 due to the deductibles kicking in.
Agree on the 2% risk-free “return” payment discount for early payment, not too bad these days
You have to take into account the 10% you pay after you reached the deductible treshold you choosed.
in french : the quote-part.
Fair enough. For similar reasons, I don’t have supplemental insurance like that. For kids, with sport club memberships or swim classes, it might just break even, so I don’t bother, either.
For the comment above, I wrongly remembered that the basic insurance did cover it 50%. That was wrong. I send them the invoice, but they declined.
Side comment: In the hopefully rare event you have high uncovered treatment cost, sending in all invoices helps to claim the tax deduction on those as they are all summed up on the insurance statement 
My earning on a 1% bond is taxed at the marginal rate while paying the insurance before 31.12. lowers my wealth tax. But we are really micro-optimizing here
But if you ‘never go to the doctor’ the lowest seems like a bad deal in most years? Would be like a phone insurance that replaces your phone upon damage. It is convenient if it happens but rationally, it leads to more costs.
Yes, that’s why I’m at 2500.– (hence “the cheapest”).
Ah makes sense, misunderstood the text.
Same here, the cheapest it is, with one restriction: It should offer Telmed without much troubles to physically meet a doctor.
I’m fine with calling first (actually many times the online doctors are good enough if you can describe the case accurately; and even free), but having to go through hurdles (BetterDoc) or talk in-person to a general practitioner (including HMO options) to then anyway being referred to a specialist is too cumbersome.
Do you guys have actually good experience with Telmed?
When I had that plan with Swica I found it just a useless mandatory step, was never referred to a specialist without first being sent to the Hausarzt.
