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Supplementary insurance: Children need this coverage

Supplementary insurance: Children need this coverage

Parents want their children to be well protected. In return, it is not uncommon for them to be persuaded to take out additional insurance that they allegedly need. On closer inspection, however, it becomes clear that there was nothing here except expenses? is because the additional insurance in question was completely unnecessary for the child. Therefore, in the interest of not having to constantly empty your wallet, parents would do well to look at the various supplementary insurances in advance and only choose the insurance companies that are necessary.

Do you need several additional insurance policies?

Under no circumstances do children need several supplementary insurances, because the insurance packages of the providers are put together in such a way that all important insured events are included. Nevertheless, it does happen that parents have several supplementary insurance policies for their child or children. This is the case, for example, if a new insurance is applied for, but the old one has not yet been canceled. Dubious brokers are mostly to blame here, because they have usually recommended taking out additional insurance at an early stage. But the other way around, it can also be the case that you wait too long to take out a new contract and suddenly the child is left without any additional insurance. Illnesses not mentioned can also result in the supplementary insurance being terminated by the provider. Serious advice is therefore the first step.

Children really need this supplementary insurance

Unfortunately, it is a fact that many children need orthodontic treatment. The second teeth come in the second row behind the first? The child's jaw is not yet big enough and does not have space for the much wider second teeth? In view of the very high costs of orthodontics, an appropriate supplementary insurance for children makes sense so that a treatment does not have to fail due to finances. But be careful: some providers have age limits and no longer accept children from a certain age. This is then only possible if a doctor's certificate is presented and treatment is necessary because, for example, chewing is impaired. A pure beauty treatment, because the teeth are not in a row, is then no longer carried out and has to be financed out of pocket.

tip: Some providers rule out known misalignments and jaw problems. You then agree on a so-called individual performance reservation or you no longer pay for the treatment in individual cases.

Get alternative medicine insured

Many parents are skeptical about conventional medicine or generally want to use the possibilities of complementary medicine. Only a few alternative medicine treatment methods are included in basic insurance. In some cases, treatments with acupuncture or traditional homeopathic remedies are taken over. Everything that goes beyond this and causes costs must be paid for by the child's parents themselves. This also applies if the treatment is not carried out by a licensed doctor, but rather if the parents and their child go to a naturopath. If you want to use the gentler, alternative medicine, you should take out appropriate additional insurance.

Get private insurance right away?

Private health insurance may have many advantages, but it is also very expensive. Parents should bear in mind, on the one hand, that children are no longer accepted into various private health insurances with increasing age, which applies at the latest when certain previous illnesses become apparent. On the other hand, staying in a private room in a hospital, for example, is often counterproductive for children. They also need social contacts to get well and there are already numerous experts who are of the opinion that children in shared rooms recover faster. This means that only certain services should be covered by private insurance, but in most cases this is not really necessary.

Conclusion: hardly any additional insurance is necessary for children

For children, only two options are required as additional insurance: on the one hand, orthodontic treatment, on the other hand, alternative medicine. The latter is only important if the child's parents want to go to a naturopath in addition to conventional medicine or as the first point of contact and there are costs that are not covered by normal health insurance. In the case of supplementary insurance for children, the following applies: Less is more!

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Canceling supplementary insurance: This is how the insured can cancel

Canceling supplementary insurance: This is how the insured can cancel

In the basic insurance, Swiss health insurance companies must accept all applicants for membership. This does not apply to supplementary insurance, where certain risk profiles can lead to rejection. It is therefore important not to cancel an additional insurance policy until another insurance company has already confirmed it.

Wait for confirmation of admission from the other supplementary insurance

The outpatient or inpatient supplementary insurance sets limits in terms of age, place of residence, medical history and gender of the applicant and decides whether or not someone is accepted in the insurance based on an individually created risk profile. Therefore the most important tip: only cancel an existing supplementary insurance if you already have another insurance in your pocket! Of course, this only applies if you want to continue to have additional insurance. The reason: If the new supplementary insurance rejects your application for membership and the previous insurance confirms the cancellation, you can end up without insurance at all.

Important: When you take out additional insurance, you are usually bound for at least one year. Some insurers also offer multi-year contracts that you cannot easily get out of. In return, the premiums are usually cheaper there. It is important to take into account the minimum term in view of the fact that you cannot cancel the insurance before this period has expired. 

The usual notice periods for a one-year supplementary insurance are three months, sometimes even six months. As a rule, the end of the calendar year is decisive for the time of termination and compliance with the statutory notice period. Additional insurance that is not canceled in due time is automatically extended.

Termination if the premium increases

If the insurer increases the premium, a special notice period for termination applies. It is important here to know the general insurance conditions, because the insurers offer different modalities regarding the termination in the event of a premium increase. For some it is possible to submit the written notice of termination by the end of the year, others leave the deadline only until the end of November and still others set a period of one month after the announcement of the increase as the period for a possible termination.

Extraordinary notice of termination may also be submitted if you are classified in the health insurance company in a higher age group, which is therefore more expensive.

Tip: Early termination is not an option if you have moved and for this reason a higher premium applies. Even if a no-claims discount is no longer applicable, no early termination may be submitted.

Please also note: If you have several additional insurances with one health insurance company and, for example, have hospital and dental insurance, the individual regulations of the insurance company must be observed. Some health insurances allow a complete cancellation of all supplementary insurance if the premium is increased, others limit this right to the supplementary insurance whose premium has been increased.

Cancel early after a claim

If a claim had to be settled, there is the right to early termination. This can be done up to the cash payment of the insurance. In the case of one-year contracts, the premium for the year in question is usually still to be paid. However, it can be difficult to find another supplementary insurance if you have canceled directly in the event of a claim. This also applies if the insurance terminates you; a corresponding inquiry can always be expected in the insurance application.

Conclusion: cancel supplementary insurance properly

In order to legally terminate additional insurance, you should observe the notice periods. With most insurance companies, these are set for a period of three months to the end of the year, in some cases the period is even six months or just one month. In the event of damage, extraordinary termination can be given. It is always important that a new supplementary insurance is sought and taken out first and that confirmation of acceptance is available for this. Only then should the previous supplementary insurance be canceled in order to guarantee complete insurance coverage.

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neotralo.ch: In a league with the big ones

neotralo.ch: In a league with the big ones

The summer of 2019 was written when one of the budding stars entered the comparison portal landscape to catch up with the big ones in the shortest possible time. neotralo.ch was born and rose within three quarters of a year to the same league as comparis.ch, moneyland.ch and bonus.ch. Here, users can easily find all important comparisons to health insurance premiums, car insurance tariffs and much more. neotralo.ch is already mentioned in the KGeld with the four big players in the industry and proves to be just as reliable and trustworthy.

Comparis.ch is an industry size that no one in Switzerland can get past who wants to carry out a financial check. Now that also applies to neotralo.ch, because the former start-up closed the test of Kgeld with only half a grade worse. 

The very good results achieved within this short time make us confident and it can be assumed that the half mark that still separates neotralo from the competition will not be a permanent result. Such a good result can easily be topped! Especially since neotralo.ch will have an ever wider reach: Tools in ten different languages can be used to compare life insurance policies. 

This means that neotralo.ch not only relies on its customers from Switzerland, but will also build a portal that goes well beyond national borders, with which new users can be reached, who in turn can benefit from the advantages of the comparison portal.

Satisfaction with neotralo.ch

Not only the testers of the financial magazine are satisfied with neotralo.ch. Neotralo.ch itself provides feedback. ?We are very happy with the result. Already after half a year we are perceived as a Swiss comparison portal and stand next to the big names in the industry in Switzerland. 

It is agreed that the efforts have really paid off since the portal was launched, because right from the start great emphasis was placed on customer friendliness, service, comprehensive results and the ability to contact the providers directly. 

Everything at neotralo.ch should be as clear and transparent as possible and that just pays off! In contrast to many other comparison portals that try to make up for missing content with a big name or to hide the receipt of remuneration for mediated insurance, neotralo.ch wants to offer an actual overview. 

This gives the user the chance to get an idea of the individual offers and to choose the one that best suits them.

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How to adjust the daily sickness benefit insurance!

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How to adapt the daily sickness benefit insurance to the operational situation!

In the event of incapacity to work, the interests of employers and employees collide. According to the statutory obligation to continue paying wages, employers are obliged to pay wages for a certain period of time. This in turn means that the employee can maintain his previous standard of living due to the continued payment of wages.

health insurance

Find a common consensus

If an employer has not taken out daily sickness benefit insurance in this case, the employer bears the financial risk of losing a worker himself. This means that employers have to pay the wages in full without receiving any work from the employee. 

If, on the other hand, the employer is not obliged to pay wages, the employees automatically no longer receive any replacement income. It is therefore highly recommended for employees to take out their own daily sickness benefit policy. 

Accordingly, if there is no collective agreement by the employer, individual insured persons with health insurance companies or private insurance companies can expect a higher premium burden.

Benefits of daily sickness insurance

In order to avoid these circumstances, employees and employers are well advised to find a common solution with the collective daily sickness benefit insurance. In general, a collective daily sickness benefit policy is not a compulsory insurance. The employee is therefore free to deduct the full bonuses from the employees' wages. 

If the employer pays 50 percent of the bonus, the employer only has to pay 80 percent of the wages during the agreed waiting period. The financing of this insurance depends on its type. Individual insurance is generally more expensive than group insurance. After all, the risk of a single policy is borne by just one person. 

That is why employers are well advised to opt for a collective policy and thus to use lower premiums. However, there are also some sports in Switzerland, the practice of which insurance is considered a risk and the consequences of which can lead to reductions in daily sickness benefits. These include:

    • motor race
    • extreme Karate
    • Motor boat and motorcycle races

No standard schemes

However, there is no uniform solution for concluding a collective contract for a company. Private insurers and health insurance companies offer such agreements. Every step and every decision should be carefully considered in advance. Only then is it possible to select the right product with the right price-performance ratio. 

Various factors have to be taken into account. The KVG, the Health Insurance Act, is an example of an insurance basis. Insurance contracts based on this allow a particularly flexible arrangement. This is offset by the guidelines according to the VVG, the Insurance Contract Act. Regulations on services are interpreted more strictly.

What factors to look out for?

With regard to the waiting periods, it is also worth taking a look at the details. For example, a contract based on the VVG usually excludes the accumulation of several diseases. For employees, this means that they will not receive any daily benefits if they are sick for 15 days in one month and again for another 20 days with another illness. 

Services to be provided by the policy are also determined individually. This agreement clarifies, among other things, the question of when the daily allowance begins and whether the start of the benefit can be postponed by a premium reduction. In addition, policyholders should think carefully about what benefits are considered for possible maternity protection for women workers and what maximum earnings should be insured.

Employers should talk to workers

Employers are well advised to inform employees about individual insurance conditions. This is particularly important in order to close any insurance gaps that may arise. When leaving the company, employees should be informed that it is possible to switch to individual insurance. 

But is collective daily sickness benefit insurance a good solution? Generally, of course. Finally, the common insurance concept contributes to solidarity. On the other hand, it is possible to take different interests into account with an overall package.

What amount should daily sickness insurance cover?

The amount of the insurance depends on all monthly expenses and income. That is why it makes sense to get an idea of your own financial situation through an individual household plan. As a rule, the following monthly expenses are incurred: 

    • Household: food, clothing, telephone or internet, radio, clubs, newspapers
    • Housing: rent, additional costs such as electricity, gas, garbage, water
    • Motor vehicle costs: tax, fuel, repair (estimated)
    • Insurance
    • Rates for savings contracts
    • Financing costs: real estate, loan or leasing installments
    • Other: travel expenses, entertainment, culture, leisure, hobby, taxes, maintenance payments, school, education and further training

Potential policyholders deduct the expected sickness benefit from this sum. The resulting difference should be covered by daily sickness benefits. 

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When is daily sickness benefit insurance useful?

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When is daily sickness benefit insurance useful?

Nobody is immune from a serious illness. Sooner or later, most people will be faced with the situation of being absent for a certain period of time due to illness and not performing any work during this period. 

But despite the lack of earnings, the costs continue. Anyone wishing to bridge this phase will certainly find important support with continued employer wages. However, the money is often not enough to maintain its previous standard of living. Precaution is therefore particularly important.

family insurance

Minimize risks in the event of illness

That is why insurance companies in Switzerland offer the so-called daily sickness benefit. In order to minimize your own risks, numerous employers in Switzerland automatically take out a daily sickness benefit insurance. 

Employees also benefit from this service, as the daily sickness allowance to some extent replaces lost wages. However, if there is no group insurance, the possibilities for this insurance model are still open. 

In this case, however, an individual insurance contract is required to receive daily sickness benefits from an insurance company.

Therefore, daily sickness benefits insurance makes sense

In Switzerland, employers are obliged to continue to pay their employees wages in the event of illness for a fixed period of time. Nevertheless, there are exceptions that quickly lead to a financial bottleneck for those affected. 

For example, if you are seriously ill and have not worked for the current company for three months, you will not be entitled to continued wages during the absence. The employer is only obliged to continue paying wages in the event of illness in accordance with the Swiss Code of Obligations, which is only three months later in Switzerland. During the first year of employment, employees who are ill are entitled to continued wages for up to three weeks. 

If, on the other hand, the employment relationship has existed for a long time, according to the legislature this entitlement increases to an "appropriately longer period". Individual cantons have so-called wage continuation scales on this subject. As a result, an employer grants his sick employee a continued wage payment of up to four weeks in the second year of employment on the Bernese scale. 

According to the Zurich and Basel scale, the duration in these cantons is extended to up to eight weeks under the same conditions. The most important advantages at a glance:

    • Continued payment of wages in the event of illness
    • financial security based on this

Collective insurance models for employees

However, these regulations make many workers worry. The Swiss daily sickness benefit provides appropriate financial protection. In fact, it is common practice in numerous companies in Switzerland to take out collective daily sickness benefit insurance for the entire workforce. 

Depending on the contract, these services even go beyond the statutory right to continued payment of wages. Corresponding agreements must of course be agreed individually in an individual or collective employment contract in each insurance contract.

Benefits for the self-employed

Group insurance aims to provide sickness allowance of up to 720 or 730 days in the event of illness-related incapacity to work. This benefit is usually due after a waiting period has expired. 

For employees, this regulation means that they only receive daily sickness benefits after the agreed waiting period has expired. However, the agreements are legally permissible, according to which employees receive only 80 percent of their income. 

The self-employed should opt for daily sickness benefit insurance to compensate for loss of income caused by an illness. 

For example, the self-employed are entitled to convert an existing collective sickness benefit policy into individual insurance within 30 days after changing from an employment relationship. However, if you have your own employees, you might be able to opt for group insurance for the entire company.

How expensive is daily sickness insurance?

The cost of this policy depends on whether you are self-employed, in a company or as a housewife. If you are employed, you usually assume 50 percent of the costs. Otherwise you will have to pay the full insurance premiums. The amount of the bonus depends on the following factors: 

    1. Are you covered by a group insurance or individual policy?
    2. What is your current state of health?
    3. What scope of services do you prefer?
    4. How long should the waiting period last until the daily sickness benefit is paid out?

For example, if you can get by for a short period of time without paying wages, you can reduce the cost of the policy with a longer waiting period. This model protects you in the event of longer downtimes. 

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Daily sickness insurance: details on the policy in Switzerland

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Daily sickness insurance: details on the policy in Switzerland

Although daily sickness benefit insurance in Switzerland is purely voluntary, many Swiss opt for this policy. In Switzerland, the OR, the so-called obligation law, is valid. However, the continued wages paid by the employee in the event of illness are often insufficient. 

This is where daily sickness benefit insurance comes into play. This policy covers full payment of wages even in the event of long-term incapacity.

health insurance

Financial security for sick people

Those who are temporarily unable to pursue their professional activity are often faced with a major problem. The self-employed have to use up their financial cushion. Housewives may have to look for paid care. 

Even employees who are entitled to continued payment of wages by the employer face problems. In the worst case, the incapacity to work lasts over such a long period that the entitlement to continued wages ceases to apply. 

In these and many other situations, daily sickness benefits promise financial security.

Benefits of daily sickness insurance

Daily subsistence insurance aims to secure the financing of one's own everyday life and lifestyle in the event of inability to work due to illness or an accident. In the event of illness, payment of up to 100 percent of the wages is in prospect. 

However, the type of insurance also has a significant impact on the respective conditions. Depending on the type of daily sickness benefit insurance, the sum insured can be paid out for up to two years. If you accept a longer waiting period for payment of the daily allowance due in the event of unemployment, this fact also has a positive effect on the amount of the premiums. 

Daily allowance insurance offers potential policyholders in Switzerland a high degree of flexibility. Depending on the amount of the daily sickness allowance and the waiting time, the policy offers extensive design options. However, this flexibility gives every policyholder the opportunity to adapt the conditions to individual requirements. The most important advantages at a glance:

    • financial security despite illness
    • Insurance conditions can be adjusted individually

No assumption of costs in the event of unemployment

Even if it may sound a bit strange at first, there is an agreement in the employment contract about a? Loss of insurance benefit? can have a serious impact on the use of daily sickness insurance. 

If an employee cancels or receives the termination, it is entirely possible to lose the insurance as a policyholder. A similar case occurs for the self-employed who are insolvent after a long illness, have to sell their business or have to give up. 

Potential policyholders avoid these risks by taking a close look at the insurance conditions. Because there are now many insurance law agreements in which details such as these are interpreted in favor of policyholders.

Special features of a daily sickness allowance for the self-employed

The self-employed also take advantage of completely different options. These policyholders are often free to individually determine the start of payment and the amount of the sum. As a rule, those affected have a right to receive the benefit from the 14th, 30th or 45th day of illness. 

All in all, the benefits should correspond approximately to the value that arises from the loss of earnings. Nevertheless, the self-employed benefit from a particularly large number of advantages. In addition to maintaining the usual standard of living, the policies also offer protection against incapacity to work in maternity. 

All of these advantages are reason enough to seriously consider taking out daily sickness benefit insurance. Ultimately, personal protection primarily serves a purpose, your own recovery. 

Swiss health insurance companies cover the costs necessary for physical and mental recovery. However, the healing process will certainly progress faster if those affected weigh in financial security during this difficult time.

Health reservations

If the insurance companies request a declaration of their current state of health when they join the policy, potential policyholders must also truthfully complete the document. 

If the potential policyholders do not disclose certain facts or provide the information incorrectly, there is no entitlement to insurance protection in the event of a benefit - on the premise that there is a connection between the medical cause and the benefit. 

In practice, however, most insurance companies increasingly offer so-called full insurance. This means that every worker can be admitted without a prior health check. 

If the companies offer this insurance option, there are no benefit restrictions for existing diseases. 

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Supplementary insurance: what you have to pay attention to

Supplementary insurance: what you have to pay attention to

Supplementary insurance: what you have to pay attention to

Would you like to have the cost of your glasses worn? Do you want to treat yourself to a flu shot this year? The bill for your daughter's psychotherapy falls into the house? These costs can be covered by additional insurance. This article explains what to look for.

Supplementary insurance: what you have to pay attention to

Find the right supplementary insurance

The selection of supplementary insurance is large, but equally confusing in equal parts. Insurers are prepared for almost any eventuality.

In times when you can choose from 16 different types of coffee, the choice of supplementary insurance is particularly difficult. Especially when it is considered that the transaction will also cost you money. If the supplementary insurance is not used, you have shot a lot of money into orbit.

In Switzerland there are supplementary outpatient insurance and supplementary hospital insurance.

Additional outpatient insurance

hospital insurance

- dentistry

- ambulance

- preventive healthcare

- visual aid

- psychotherapy

- alternative medicine

- General department all over Switzerland

- Semi-private department all over Switzerland

- private department all over Switzerland

These are just a few examples of the outpatient supplementary insurance that must be taken out privately.

Take out additional insurance

In order to take out additional insurance, you need not only the necessary payment power but also:

    • a place of residence in Switzerland
    • a minimum age of 18 years
    • successful completion of a health examination
    • positive acceptance notice from the cash register

Since it is not easy to get a positive notification of admission to the health insurance company, the choice of health insurance company should be carefully considered. The list of supplementary insurance is long. These are often called nursing supplements, although they have nothing to do with nursing services.

One tip is that benefits are often taken over by some health insurers that were not mentioned in the insurers' brochures. Here it is advisable to ask beforehand.

Additional services failed

Many Swiss people fear that they will make a mistake. The rule of thumb here is:  You are adequately protected by the compulsory health insurance in Switzerland. Anything beyond that is luxury. However, this will help you a health insurance comparison.

You cannot make a mistake by definition when taking out supplementary insurance. At most, if you don't use them in the end, you've lost money. If you regret in old age that you have not taken out additional insurance, this regret is the only mistake, because then you have to bear the costs yourself.

For many insured persons, one pays off in the end hospital insurance not at all. You pay the high premiums over the years and often do not use the services at all. This is annoying.

You should also note the waiting periods for the use of supplementary insurance: The insurance contracts often state exactly when the insurance company must pay for your treatment. In the worst case, you are already healthy and no longer need insurance.

Cancel and change supplementary insurance

Insured persons often stay with an additional insurer for the rest of their lives. If you do want to cancel and switch, you should note that the cancellation period for supplementary insurance is different from that for basic insurance. Instead of one month, you have three months' notice, so your insurer must have received notice of cancellation by 30 September at the latest.

Tip: Wait until you have written confirmation from your new insurer. Otherwise, you may still risk standing without additional insurance.

Insurance with different health insurance companies: is that possible?

When choosing a suitable supplementary insurance, you should consider one thing: You do not necessarily have to take out your basic and supplementary insurance with the same health insurance company. If you have nevertheless opted for all policies with one provider, policyholders can easily use the basic insurance with another insurance company. 

In individual cases, however, it is possible for policyholders to lose discounts on supplementary insurance previously received. Please also note that individual additional policies have longer notice periods or other notice dates. Precise information can be found in the letters you have received from the insurance company. 

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Supplementary health insurance: you really need that

Supplementary insurance from the health insurance company

Supplementary health insurance: you really need that

If you want to take out supplementary insurance for yourself and your loved ones as a supplement to the compulsory basic insurance, you are spoiled for choice: The numerous statutory health insurance companies offer a suitable supplementary insurance for every eventuality.

Supplementary insurance from the health insurance company

Since these can be associated with high costs, it is worth taking a closer look. The following article shows which of the additional insurance policies you really need and which are just a nice addition.

More than three quarters have supplementary insurance

Around 80 % percent of all Swiss have at least one supplementary insurance, but which really makes sense because it is also used differs from person to person and must be decided individually. Are you wearing glasses? 

Then an additional visual aid insurance is useful. Are you a cozy couch potato? Then you may not need additional fitness subscription insurance.

Even within the supplementary insurance there are differences, because the benefits may differ between the individual insurers. There is no obligation for the health insurance companies to accept everyone who is insured, instead they can decide which persons can and should not be privately insured with them. 

These can be health or age reasons, but also? Just like that ?. In addition, premium levels will be set in line with risk and graded according to age and gender, and there will also be reservations.

Two types of supplementary insurance: outpatient and supplementary hospital insurance

The offer of supplementary insurance at the health insurers is not uniform. Anything that is related to a medical or health focus can also be insured. Some health insurance companies also offer insurance packages that can make sense individually, as this reduces the premium amount. 

The disadvantage of the packages is often that the benefits are limited to a maximum amount per year.

Before taking out additional insurance, the offers and services in the list should be checked and compared if necessary. Before starting therapy, you should have the transfer confirmed in writing.

Which outpatient supplementary insurances are important and which are more negligible or only useful for a few?

Important

Rather unimportant

- glasses and contact lenses (for glasses wearers)

- Home nursing and household help (in old age)

- Costs of dental treatment, tooth position corrections, measures of jaw surgery;

- foreign insurance

- Additives from alternative medicine

- Measures for preventive health care (subscription to the fitness center)

- Bathing and relaxation cures

- Emergency and relocation transports as well as rescue and recovery costs

- ambulance

- Non-mandatory medication

- Psychotherapy by psychologists without medical training

The weighting is given with reservations and should be understood as a tendency, because the last decision has to be made by everyone.

Supplementary hospital insurance: Not equally suitable for everyone

When choosing supplementary hospital insurance, the Swiss have three options to choose from:

    1. General department for the whole of Switzerland: Insured persons can choose a hospital in all of Switzerland. However, the fund will only cover the maximum amount that a hospital in the canton of residence would have cost.
    2. Semi-private department throughout Switzerland: The costs for a twin room are covered and a senior doctor treats the insured. Attention: Most hospitals in Switzerland already have double rooms, which is why it is worth taking a closer look at the list of services offered, including deductibles, bonus programs and hospital lists.
    3. Private department throughout Switzerland: Insured persons are entitled to a single room and treatment by a senior doctor.

Conclusion: Is it worth comparing?

The range of supplementary insurance in Switzerland is very extensive. However, a disadvantage of many insurance packages is that the related benefits are not tailored to the individual needs of policyholders. This means that there is a risk of paying for a service that is not used at all in the case of an overall package. 

If you want to avoid this risk, you are therefore well advised to compare different service packages from individual health insurance companies with one another, or even to seek advice if in doubt. The amount of the premiums also varies from health insurance to health insurance. 

It is of course important to ensure that the amount of the premiums is ultimately not more expensive than the actual treatment costs. 

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Do I have the right supplementary insurance?

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Do I have the right supplementary insurance?

The health system in Switzerland is characterized by a mixture of standardization and flexible options. More precisely, this means that everyone in Switzerland receives basic insurance. No matter which health insurance company you are with, the benefits are comparable to those of others. 

insurance

As the name suggests, additional insurance can also be taken out, which offers a variety of different offers.

What additional insurance are there?

Supplementary insurance in Switzerland is individual and, as the name suggests, possible in addition to basic insurance. In terms of costs and premiums, there are significant differences among health insurance companies, which you should definitely take into account before closing.  

In general, there is a further difference between outpatient and hospital supplementary insurance for supplementary insurance.
Supplementary hospital insurance breaks down as follows:

    • General Department
    • Semi-private department
    • Private department
    • Flex model

In contrast, outpatient supplementary insurance offers the following offers:

    • Offers on visual aids (glasses, contact lenses)
    • non-cash medication
    • psychotherapeutic offers
    • various fitness offers
    • Vaccinations for general protection and against travel
    • Wellness offers such as cures and massages
    • Housekeeping, nursing
    • Assumption of costs for dental treatment, correction and for jaw surgery measures
    • Treatments abroad

If you decide to take out supplementary insurance, you should always take into account which health insurance provider in Switzerland offers which services and which are relevant to you.

It is up to you whether you have chosen the right supplementary insurance

As described at the beginning, the different supplementary insurance policies also offer different benefits. Let's analyze this using three examples:

example 1

Woman with misaligned teeth

Example 2

single renter

Example 3

Amateur climbers

Example 1:

Let us imagine a woman who, for fear of visiting the dentist, had not been to the examination for a few years. Over time, two whitening teeth have become noticeable and have been pressing on the teeth since childhood. In the meantime, the incisors are also shifting and a tooth misalignment is obvious. 

In addition, caries has formed without thorough tooth cleaning, which has produced a very large hole at one point.
Supplementary insurance within the framework of additional dental insurance would make sense here, since both orthodontic treatment and major dental treatment (possibly crown or root canal treatment) are conceivable, which is associated with high costs.

Example 2:
A pensioner lives alone, but is physically very limited due to her age. Her family lives in another city, but she does not want to move to a retirement home either, because her own apartment and the associated independence and private space are very important to her.

Supplementary insurance for pensioners is generally a good idea, as there are more frequent visits to the doctor in old age. In addition, the woman could easily and cheaply receive support in the household or nursing at home.

Example 3:

A man in his mid-40s has been an enthusiastic mountaineer for a short time. After a few excursions in the area, he is now regularly planning hobby trips abroad. There he wants to climb partly with, partly without belay and pursue his new passion.

Additional insurance is also conceivable and recommended here. An outpatient supplementary insurance applies, among other things, to treatments abroad and sometimes also covers salvage operations and the like. One would be here for high-risk hobbies.

Conclusion

These examples show that the choice of a suitable supplementary insurance clearly depends on the individual's state of health and the work environment. There is a large selection. That is why it is all the more important to include personal concerns in the selection of suitable policies. 

However, it could be disadvantageous that individual services can often not be adapted to individual needs. For this reason, policyholders should invest the necessary time in order to compare the service packages of the providers and to receive comprehensive advice. 

Finally, the premiums for supplementary insurance differ from one health insurance to another. In addition, policyholders should rule out that the insurance premiums are ultimately not higher than the actual treatment costs. 

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When is supplementary health care insurance worthwhile?

When is supplementary health care insurance worthwhile?

When is supplementary health care insurance worthwhile?

The range of benefits of compulsory health care insurance in Switzerland is quite extensive; as the basic insurance for the Swiss, it covers many costs in the event of illness. 

When is supplementary health care insurance worthwhile?

However, areas such as dentistry or geriatric care are not included in the cost of basic insurance and must be covered by supplementary insurance. 

Since these can tear a hole in the monthly household budget, it is advisable to ask yourself: Is additional health insurance worthwhile?

Basic insurance only covers part of the costs

The compulsory health care insurance in Switzerland provides these benefits:

    • Hospital stays (in the canton of residence)
    • maternity
    • Outpatient examinations and treatments by doctors, chiropractors, midwives
    • prescribed medication and laboratory tests
    • 50% up to max. 5000 euros patient transport for rescues and 50% up to max. 500 for medically required patient transports
    • dental treatment after an accident or serious general illness
    • Maternity: seven control examinations, two ultrasound examinations and a follow-up examination, three breastfeeding consultations and a maximum of 100 euros for the preparatory course
    • Vaccinations (except travel vaccinations), gynecological examinations (every three years), mammograms
    • Alternative medicine
    • Care costs for outpatient (Spitex) or inpatient care, Caution: none Takeover of the nursing home or domestic help

The premiums for basic insurance are quite low, but insured persons are obliged to pay the treatment costs. The general deductible of ten percent of the treatment costs applies. 

A max. A contribution of CHF 700 is permitted, but for children this amount amounts to CHF 350. The insured can also choose between the costs of the franchise, which are between CHF 300 and CHF 2500, children do not pay anything.

Why additional health care insurance?

Basic insurance covers some, but not all, of the costs that can arise from treatment by a doctor. It is therefore advisable to take out some supplementary outpatient insurance.

Basic benefits of supplementary nursing care insurance

High-priced supplementary health insurance benefits

- visual aids

- medication

- flu shots

- Psychotherapeutic treatment by people without training

- Protection abroad

- fitness classes

- yoga

- Dental treatment (mostly as additional dental insurance)

- travel vaccinations

- Etc.

Depending on how much you are willing to pay, you can top up your insurance package. But keep in mind that insurers are not forced to include you in insurance coverage. 

Because unlike the basic insurance, you have to do a health check, after which the health insurance companies decide whether to accept you or not.

Change nursing supplementary insurance

If you plan to change your supplementary insurer, caution is advised. If you want to change the basic insurance, cancellation is sufficient 30 days before the end of the year, i.e. by November 30 of the calendar year. 

However, supplementary insurance usually has three months' notice. The notice of cancellation must be received by September 30, whereby the postmark is not sufficient, but the actual receipt by the insurance company counts. Also, wait for your new insurer's approval before you cancel. 

The same applies here: unlike basic insurance, there must be a written promise before you have your place.

You have to check for yourself which additional health insurance is worthwhile for you. Most Swiss have dental insurance, travel vaccination and insurance for non-cash medication.

Additional insurance for the hospital or fitness subscriptions are not absolutely necessary. However, the individual must also be decided here: those who regularly go to training can definitely consider this insurance.

Supplementary nursing care insurance in Switzerland: the main differences

In principle, nursing care insurance in Switzerland is differentiated between inpatient and outpatient care models. Inpatient hospital insurance is primarily suitable for the following groups of people: 

    • resident in rural areas
    • Patients requesting treatment in university hospitals
    • People from big cities with high comfort requirements

If the choice is a semi-private policy, policyholders are entitled to a free choice of doctor and a twin room. The private variant comes into consideration for all policyholders with even greater comfort requirements. 

The outpatient supplementary insurance, on the other hand, specializes in services in the fields of complementary and alternative medicine. The service of this policy also includes funding for medicinal products excluded by basic insurance. 

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