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Complementary medicine: a good addition to basic insurance?

Complementary medicine: A good addition to basic insurance

Complementary medicine: a good addition to basic insurance?

Complementary medicine or alternative medicine is the term used to describe the diagnostic methods of treatment that complement the scientifically based medicine or conventional medicine. 

Complementary medicine: A good addition to basic insurance

Methods include natural healing, body therapy, and methods like homeopathy, osteopathy, and acupuncture. Methods of anthroposophic medicine and Chinese medicine are also included. 

The effects of the methods have not yet been scientifically proven, but a placebo effect can be observed in some people.

What does basic insurance pay?

Swiss health insurance companies cover part of the costs for treatment with complementary medicine. You assume the cost of the medication, which is left less the cost sharing. However, only if they are listed on the specialist list. 

Medicines from phytotherapy, anthroposophy and homeopathy are adopted. Other means have to be purchased by yourself or covered by additional insurance. Find out which offers are available.

Homeopathy does not go beyond the placebo effect

Although the effects of homeopathic remedies have not been scientifically proven, they are still covered by health insurance companies. Many people trust homeopathy in their belief in a particularly gentle treatment and prefer to take globules than the medicinal products that have been tested for their medical effectiveness. This trend has been increasing over the years.

However, there are also very useful complementary supplements to conventional medicine, the effectiveness of which has been confirmed by many patients. Treatment methods such as

    • acupuncture
    • Autogenic training
    • Medical massages
    • Reflexology therapy
    • Osteopathy

can provide pain relief for the sick.

Large health insurance companies such as Helsana advertise their concept of combining complementary medicine and conventional medicine. It is up to you whether and which complementary medicine you personally find useful and want to take advantage of.

The demand for alternative treatments is increasing

Complementary medicine only makes sense as a supplement to basic insurance if you know that you believe in the effectiveness of the methods and will make regular use of them. If you are convinced and have perhaps already known some of the methods for some time and have already used them before, it can make sense. 

Many patients with no experience are also curious about the topic, since it has the image of healing? Apart from medication? has. Medicines are often strong and, above all, chemical agents in people's minds that have little to do with nature or natural contents. 

Together with an increased awareness of the environment and nutrition, the demand for alternative treatments and thus the demand for complementary medicine as a supplement to basic insurance is increasing. Many people long for something that gives them the feeling of recovering without extreme means, but quite naturally.

It is remarkable that in addition to people who pay attention to a health-conscious lifestyle, especially women, people with a higher level of education and people with chronic diseases tend to use complementary medicine. However, in most cases as a supplement and not as a replacement.

New regulation: focus is on treatment success

In the meantime, methods of conventional medicine and homeopathy are fundamentally on an equal footing in Switzerland. The success of treatment is paramount. As a result, all healthcare research is taken into account. 

This view is reinforced by doctors and scientists who see the medical benefits of medical homeopathy confirmed by high-quality studies. The doctors list large observational studies as an important basis. 

The great importance of complementary medicine in Switzerland is also underlined by the result of a 20-year evaluation. The Swiss government therefore recognizes that complementary medicine in accordance with Art. 32 KVG requirement fulfills all legal requirements regarding safety, effectiveness and high quality. 

Concluding conclusion

Complementary medicine as a supplement to basic insurance can be a good idea for some people. However, you should first deal extensively with the topic and be aware that alternative healing methods are not scientifically proven and primarily work through the placebo effect. Complementary medicine is not a substitute for the medical treatment that is included in the basic insurance.

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What is dental insurance?

hospital daily allowance insurance

What is dental insurance?

You have just come from the dentist and are already thinking about the costs: Your child needs braces? With additional dental insurance, these costs are borne by the health insurance company. This is concluded privately and has to be paid extra. What other benefits does this insurance cover and who can take out them?

What is hospital daily allowance insurance?

Who can take out additional dental insurance?

Additional dental insurance is taken out in addition to the compulsory basic insurance, because dental services are only covered to a limited extent by the basic insurance.

What kind of dental services are covered by which insurance?

covered by basic insurance

covered by additional insurance

- flat-rate supplements for dentures (usually 50%)

- Checkups

- caries treatments

- root canal

- Periodontosis

- tartar

- Dental hygiene

- braces,

- dentures, bridges

- high quality materials for treatments such as bridges etc.

- tooth corrections

Those who regularly go to inspections and collect stamps can count on bonuses and discounts, and the grants are largely taken over.

A supplementary dental insurance is particularly worthwhile for children, since tooth corrections and braces are quite expensive over several years.

In general, it is advisable to have a cost estimate from the doctor before the treatment and to present it to the respective insurer. A written confirmation of the assumption of costs may be very useful.

What does dental supplement insurance cost?

Additional dental insurance costs between 19 and 49 francs per month, depending on the provider. The amount of the premium varies from provider to provider and should use a Health insurance comparison be well chosen. Bonuses and discounts are also possible, depending on the number and age of children. Discounts up to 25% are possible, but should also be coordinated in comparison before they are concluded.

Reduce dentist costs

There are ways to keep dentist costs down in advance. The following possibilities are possible:

    1. Keep your bonus book and go to the control every year. With the stamps in your booklet you can secure the maximum subsidy from the health insurance company.
    2. Have the cost plan drawn up by practice.
    3. Compare laboratories. The cost of the laboratory is one of the most expensive items on the bill. Suggest your doctor to work with a cheaper laboratory.
    4. Does your health insurance company have contracts with providers such as? Dent-net? or? for the sake of your teeth ?? With this you secure regular care without your own additional service.
    5. Obtain second opinion. If you have any doubts about the proposed method and costs, get a second opinion.
    6. Take out additional insurance. Please note, however, that the health insurers only pay a maximum amount between 80 and 90 percent.

Which tariff makes sense?

Dentist costs can be quickly increased and not all costs are covered by the basic insurance. If you have opted for supplementary dental insurance, you should bear in mind that there is a waiting period during which you cannot take advantage of the insurer's benefits. If you already have dental problems, there may also be problems with the graduation, because you may not get a positive notification of admission.

Which tariff you should choose depends on which services you want to use or which you want to choose for your children.

Tip: For child insurance, it is advisable to take out additional dental insurance as early as possible, since tooth corrections can be made at an early age.

Is dental insurance also valid abroad?

As a rule, additional dental insurance is only valid for treatments in Switzerland. Only selected providers agree to also cover the costs of cheaper interventions in neighboring countries. 

When should parents take out the policy for their children?

The best thing for parents to do is to have their children insured through a dental supplement policy before the boys and girls need a medical certificate. Some providers require these documents from the age of three, but other service providers only from the age of six. If the children have already been diagnosed with a malposition, the associations can partially or completely refuse insurance cover. 

Conclusion

It is a good idea for parents to take out dental insurance as early as possible. Finally, the policy helps to save costs permanently. 

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10 mistakes you need to avoid when taking out supplementary insurance

10 mistakes you need to avoid when taking out supplementary insurance

10 mistakes you need to avoid when taking out supplementary insurance

The health system and types of insurance in Switzerland are not always easy and at first glance manageable. In addition to the basic insurance that all citizens in Switzerland have and which is standardized, there are also various supplementary insurance plans. We explain what you should pay attention to here.

10 mistakes you need to avoid when taking out supplementary insurance

1. Don't get an overview

The biggest mistake you can make is not to get an overview. If you are interested in supplementary insurance, but in other situations, you should always know what is going on and what the market offers before signing a contract.

basic health insurance

insurance

mandatory

not mandatory

standardized

differently

no return on equity

Return on equity available

2. Act hastily

This error is similar to the point before. Some may read or try to get into the topic and then simply choose to start. The first best is rarely the right choice for you.

3. Just listen to friends

Sure, friends, family and acquaintances are always good support and a helpful advisor for us. You only want the best for you. But the benefits of supplementary insurance are individual and what is suitable for your parents does not necessarily suit you.

4. Just look at prices

Of course, the cost is a very important factor, but money is not everything and you should also pay close attention to the content. The cheapest services are rarely the best for you.

5. Just look at content

However, you should not only look at the content and neglect the costs. Compare and make sure you find the best value for money.

6. Just think of now

If you take out additional insurance, you should not only think about your current state of health, but also keep an eye on the future. Perhaps you are already noticing some complaints that need to be dealt with later? A look at the family history and diseases that lie in the family can also be helpful.

7. Too stingy

Of course, you should pay attention to the money, insurance companies are often tough, but also be aware that you are investing in your health. If something is important to you, don't be afraid to pay a few francs on it. With many benefits such as dental supplement insurance, it often pays off quickly.

8. Throw the money out the window

Find a good middle ground between stingy and not. Some offers from health insurance companies are mainly worthwhile for the health insurance companies themselves - be careful!

9. Read general advice only

General advice is good to get a first overview. However, keep in mind that you are a person with very individual needs.

10. Neglect the complete package

Do not take complete packages that are not largely tailored to you. Do not be satisfied with a combination service that contains measures that are completely irrelevant.

Conclusion

You should avoid these mistakes:

    • don't read
    • rush it
    • only listen to acquaintances
    • just note the prices
    • only consider the services
    • don't think about the future
    • to be stingy
    • the money is too loose
    • get general advice only
    • do not question the complete package

If you do not want to make any mistakes when taking out additional insurance, you should first of all pay attention to your own needs. Therefore, inquire about a policy that will create offers that also meet your individual needs. Don't forget to compare offers from different providers. Only then will you find the best options for your needs. Pay particular attention to small additions that cover services such as glasses, rescues or costs for ambulance transports. If you keep this eye for detail, you have already avoided the most important mistakes when choosing a suitable insurance company. 

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Do long-term care insurance make sense?

Long-term care insurance makes sense

Do long-term care insurance make sense?

The idea of being dependent on help in old age is not an easy one for many. Financial fears quickly add to the helplessness, because care in old age can often swallow up a small fortune. Can long-term care insurance provide for the worst-case scenario?

Long-term care insurance makes sense

Requirements for long-term care insurance

As with any supplementary insurance, interested parties have to answer a lot of questions about their health. Older people find it particularly difficult to get supplementary insurance, especially when they need it. Some insurers such as Helsana therefore offer long-term care insurance without checking. 

However, Helsana is currently heavily criticized, as the waiting period is two years, during which many older people use up their assets or even die. In addition, people receive the CURA automatically from Helsana when they reach retirement age, the monthly costs here are CHF 30. If this is not wanted, you must log out.

Therefore, the question arises: Does long-term care insurance make sense?

Nursing home care costs

The long-term care costs in the old people's home are borne largely by the cantonal and insurance contributions, but the cost of ownership, which those affected still have to pay, often rises to six figures. Experts therefore advise against taking out long-term care insurance.

The reasons are

    • Cost / benefit calculation does not work
    • Two-year waiting period
    • High cost of ownership, use up of assets

Long-term care insurance pays off for the wealthy

Only wealthy people benefit from long-term care insurance because they never receive supplementary benefits and save the inheritance for their offspring.

The monthly cost of care can be between 6,000 and 8,000 francs. The compulsory basic insurance of the Swiss health insurance companies takes care of the medical services of care cases without time limit. This does not include catering, infrastructure, cleaning and building uses, which can be covered by supplementary insurance.

Private nursing care insurance

Those who have certain assets and are interested in private long-term care insurance can opt for property protection to insure the risky long-term care privately. It is advisable to draw up a financial plan and, as a precautionary measure, to determine whether income and expenditure coincide with retirement age.

The following factors may have to be added:

taking

expenditure

- pension benefits from AHV and pension fund,

- earned income from younger partners,

- anticipated investment income,

- rental income or similar

- expenditure for maintaining the living standard of the partner (and possibly other persons),

- Taxes

- the privately paid care costs in the long-term care case (in the desired long-term care standard)

If the bottom line is a gap in income, those affected have to decide how they want to close it if they do not opt for private insurance. There are two ways to do this: Either the income gap is achieved by using one's own wealth. This variant is worthwhile for very rich pensioners, for whom these costs are not significant.

Or a private long-term care insurance is chosen, which would pay a tax-free pension in the event of cases to cover the care costs. The contributions to the insurance company reduce the wealth, but the premium is often covered by the income after retirement.

For more meaningful long-term care insurance: new solutions are required

Insurance companies should present new solutions so that long-term care insurance is even more profitable and affordable in the long term. One example is an offer from the EGK, which presents modular, buildable policies that allow policyholders to put together their own protection. 

In this case, for example, it is possible to combine a semi-private model for the hospital with a high coverage in the case of care. There is also talk of long-term care insurance as a savings version. However, the regulation would have to be mandatory in order to function in general. The future will show to what extent ideas like these will prevail. 

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What is daily hospital allowance insurance?

What is hospital daily allowance insurance?

What is daily hospital allowance insurance?

Supplementary hospital insurance is familiar to many Swiss people, but only a quarter of the residents have taken out one. Not least because of the high premiums, many decide against it. May a daily hospital benefit insurance make more sense? Read below what it is.

hospital daily allowance insurance

Who can take out daily hospital benefit insurance?

In addition to supplementary hospital insurance, many large health insurance companies in Switzerland also offer daily hospital benefit insurance in their range. The Insurance Contract Act (VVH) determines the cover, as well as the general contract terms and additional conditions. The benefits apply worldwide, even for stays in hospital abroad that do not last longer than twelve months.

Anyone who has taken out daily hospital benefit insurance will receive the insured daily allowance for every day in the hospital, in the case of illness from the third day and in the event of an accident even on the first day, and thus represents a major financial relief for many.

If you look closely, you will be rewarded

For many insured persons, this may sound like a dream at first, but a closer look is also advisable with this supplementary insurance. Because although it is alleged that the insurer would finance a stay in a private clinic by handing out a daily allowance, someone with compulsory basic insurance cannot pay for a private clinic even with the daily allowance. Caution: If you trust your insurer blindly, you may end up paying more.

With a daily hospital allowance insurance, you should also not rely on compensating your loss of wages, because even if you are sick, you do not always have to go to the hospital and in this case the insurance does not apply. It is better to resort to a standardized daily allowance insurance.

The amount of the premium depends on the entry age and the variant. Many insurance companies offer a discount, with the help of which the daily hospital allowance insurance can be combined with other insurances and thus a discount of up to 25% is possible. On It pays to compare health insurance companies here in any case.

What benefits are insured?

Many insurers also have a waiting period of up to two years, during which they do not have to pay daily hospital benefits if they are admitted.

The insured should be able to use the daily allowance to pay for additional private services in the hospital, such as a single room or household help. A lump sum is paid for births, regardless of the length of stay.

Some stays are excluded from cover, including:

    • caused by drugs and addictive substances
    • cosmetic operations
    • Stay after committing a crime
    • Treatments that are at an unnecessary risk

What can the money be used for?

The money is often paid in cash on hand and can be used as you wish. Many patients use the money to upgrade to semi-private or private. Everyone has to decide for themselves whether this makes sense from a financial perspective.

benefits

disadvantage

- Money can be used for everything

- Upgrades are possible

- May be cheaper than supplementary hospital insurance

- not every stay is paid for

- waiting period

- Patients may pay on it

Experience has shown that it is not really worthwhile to insure coffee, telephone charges or travel expenses for relatives, since these expenses do not represent a significant financial burden. If you want to secure the possibility of a twin or single room, you should also opt for additional hospital insurance.

Conclusion

Please look for every detail when looking for a suitable provider of hospital daily allowance insurance. The insurance companies offer the policies with large premium differences. It is therefore important that you choose the insurance company of your choice carefully. 

In contrast to basic insurance, the health insurance company is not forced to accept potential prospective customers or to insure them. For this reason, you may have to be patient until you find a suitable provider. 

The so-called supplementary hospital insurance is also a useful addition to the daily hospital benefits insurance. This policy gives policyholders greater convenience and flexibility when choosing a suitable hospital and when treating them. 

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Is additional hospital insurance worthwhile?

insurance

Is additional hospital insurance worthwhile?

Around a quarter of Swiss people are happy to pay the cost of supplementary hospital insurance in addition to the premium amounts for basic insurance. Over a period of several years, a few francs come together - reason enough to ask yourself whether supplementary hospital insurance is worthwhile.

insurance

Benefits of supplementary hospital insurance

As part of basic insurance, insured persons in Switzerland have been free to choose which hospital they want to go to since 2012. The prerequisite is that it is on the hospital list in your canton of residence. 

However, if the treatment ultimately costs more than in a hospital in their canton of residence, insured persons have to pay this difference out of their own pockets. That is why there is the supplementary insurance "Spital Allgemeine Schweiz" that covers these costs.

The most important advantages of supplementary insurance at a glance:

    • Free choice of doctor and hospital for the insured with the insurer-hospital collective agreement
    • Entitled to a single or twin room
    • Chief physician or senior physician treatment
    • Extras like quick appointments with specialists
    • Dates of your choice
    • Comfort privileges: large menu, massages etc.

How do I take out supplementary insurance?

Where basic insurance is compulsory in Switzerland and insurance is forced to take on the changing, the admission process for supplementary insurance is different. There is often a health check in advance and insurance companies reserve the right to refuse admission without stating a reason. The insurers can also make reservations such as later suffering.

The cost of supplementary hospital insurance increases with age. Statistics show that the cost of supplementary hospital insurance after 30 years can amount to up to CHF 125,000. Hospital stays in a private or semi-private ward have an impressive price, which in some cases can be twice what it costs for basic insured persons.

Don't forget your written offer

The anticipated costs should therefore be clarified with the hospital beforehand (if possible). This should be done between the treating doctor and the health insurance company and should be recorded in a written offer. In the best case, you can request a written and detailed credit note from your cash register.

A change of room should also be agreed in advance, because experience has shown that few hospitals are interested in changing. Flexible insurance offers from the health insurance companies offer room upgrades for their insured. However, these Flex offers are not available in every canton and are usually very expensive. In the long run, you should first calculate whether an entry would be financially worthwhile.

Semi-private or private supplementary insurance?

The question is as old as the offer of supplementary insurance: What are the advantages of semi-private and private supplementary insurance?

semi-private

Private

? Entitlement to an inpatient stay in a twin room

? Treatment by the senior doctor

? free choice of hospital in Switzerland

? Additional costs for double rooms and senior doctor treatment through supplementary hospital insurance

? pays the difference between the cost of hospitalization in the general ward in the canton of residence

? pays the private ward of a hospital of your choice

? Single-claim

? Chief physician treatment (in some private clinics, treatment by the chief physician may be excluded)

The premiums for semi-private insurance are often very high. In addition, most of the hospitals in Switzerland already have double rooms, so that the costs of the additional insurance for the hospital would only be limited to the treatment of a senior doctor.

Private insurance is the most expensive option, but it can be checked whether you can limit the premiums with a deductible or a bonus system. Limiting the number of hospitals that can be chosen can also cut costs.

Conclusion: How useful is supplementary hospital insurance now?

In the end, everyone has to decide for themselves to what extent additional hospital insurance comes into consideration. But the fact is that policyholders enjoy some privileges that are withheld from patients without additional insurance. 

But where there is sun, there is also shadow. Potential policyholders should also be aware of these possible disadvantages. If you still choose Police, you won't regret this choice. An example is the amount of the premiums, which insurers set individually at their own discretion. 

The age and gender of policyholders are important components that affect the level of premiums. If you want to save money, you should compare the conditions of individual insurance companies. 

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Dental Supplement Insurance: The 10 Most Important Questions and Answers

Dental supplementary insurance in Switzerland: the 10 most important questions and answers

Without a beaming smile, life is only half as good, and when there are complaints of caries, going to the dentist is inevitable. 

Oral hygiene is a necessity for many Swiss people, but the compulsory basic insurance only covers serious illnesses of the chewing apparatus. We have compiled and answered the 10 most common questions about dental supplement insurance in Switzerland for you here.

1. How much does health insurance cost in Switzerland?

As insured persons in Switzerland always have to pay ten percent of the cost of treatment, this ten percent plus franchise must be paid. The premium costs for supplementary dental insurance are between CHF 10 and CHF 20 per month and per child. 

But be careful: Many insurance policies require separate packages that are more expensive than the overall package. The costs differ depending on the franchise and insurance, which is why it makes sense to compare the providers.

2. What does the dental supplement insurance offer include?

The offer includes these important services:

    • Correction of misaligned teeth
    • Dentures such as crowns, pin teeth, bridges and dentures
    • Prophylaxis and dental hygiene
    • diagnostic Radiology
    • preserving dental treatments
    • tooth extractions

3. Why do I need additional dental insurance?

Compulsory basic insurance in Switzerland does not cover a patient's dental treatment as long as it is not a serious illness. Treatments for tooth decay or misaligned teeth must be paid for yourself.

benefitsdisadvantage

Assumption of services not included in the basic service

safety

treatment spectrum

Discounts with multiple family members

higher monthly expenses for health insurance

contractual commitment

waiting period

4. Who is obliged to take out health insurance in Switzerland?

Everyone living in Switzerland has to take out mandatory health insurance. Preferably over one Health insurance comparison.

5. Who can take out additional dental insurance?

To take out dental insurance, you must be under 65 and reside in Switzerland. Furthermore, a positive notification of admission and a health check are required.

6. Can I go to a dentist in Hungary for treatment?

You need to ask the insurance company whether you can go to a foreign dentist for treatment after graduation. As a rule, dental insurance is valid worldwide, provided that the doctor treating you has the same training as that in Switzerland. In addition, the treatment must not be more expensive than in Switzerland.

7. How do I change my dental insurance?

You can usually cancel your supplementary insurance once a year if your cancellation is received by September 30th at the latest. This is the only way to change within the three-month deadline of December 30th. Termination must be in writing.

8. Can I cancel without notice in special cases?

Yes, in special circumstances you can terminate the contract without adhering to the deadline. This is possible in the event of a claim, for example if the attending doctor made a medical mistake or you had a medical accident. The special right of termination also applies to an increase in premiums, but make sure that the deadline is met.

9. Is there a waiting period?

For most dental supplement insurance, there is a waiting period of six months. This means that treatment is only possible six months after the contract is signed. The treatment date is decisive for the transfer.

10. Is there a discount if I switch? How can premiums be saved?

Children and young adults usually have lower premiums. Some insurance companies offer discounts if several family members are insured with them. The discount offers are graded according to 5% per two insured per family or 10% from three insured family members. Overall, discounts range from 0 to 20% and are on a voluntary basis.

Good to know!

When choosing dental supplementary insurance, please bear in mind that individually agreed services are based on the respective scope of services. This means that some providers tend to focus on correcting misaligned teeth and other insurance companies on dentures. 

In addition, the proportion with which you have to contribute to the respective treatment costs varies. Some insurance companies therefore only pay a certain percentage of the costs for treatments such as braces. In addition, the offers of the health insurance companies differ for a limit of annual financial benefits. 

In this regard, you should make sure that these offers do not fall below a minimum of CHF 5,000. It is therefore all the more important to compare offers in detail. 

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Supplementary insurance under the microscope. Find out what really pays off here

Supplementary health insurance under the microscope. Find out what really pays off here at neotralo.ch

If you want to take out additional health insurance for the first time, your current status or situation is particularly important. Which health insurance company are you currently insured with? And: What do you expect and require from supplementary health insurance? Find out what really pays off for you here at neotralo.ch.

What does supplementary health insurance bring me?

In addition to basic insurance, you can take out supplementary health insurance. This means that you receive offers and services that go beyond the standard. This is especially worthwhile if you have specific ideas about which offers you want to take advantage of and, above all, will often take them realistically. A Health insurance comparisonh can help here.

A distinction is made between supplementary outpatient insurance and supplementary hospital insurance. Both systems offer different services:

additional outpatient insurance

hospital insurance

Offer visual aids

General Department

non-cash medication

Semi-private department

psychotherapeutic offers

Private department

Fitness offers

Flex model

Vaccinations (protection and travel vaccinations)

 

Relaxation cures, massages, etc.

Housekeeping or care

dental insurance

Treatments abroad

So what you get from supplementary health insurance is entirely up to you.

What are the disadvantages of supplementary health insurance?

The disadvantages of supplementary health insurance often only become apparent after the fact. Namely, when packages or services have been completed that are not optimal.

Many Swiss are dissatisfied for two reasons. On the one hand, some quickly lose sight of the overview and thus the motivation to deal extensively with the topic.

This leads to the second reason, because on the other hand, quite a few people take out additional health insurance that is not ideal in terms of price-performance ratio. Swiss pay too much for services that they do not use. You can avoid these errors with neotralo.ch and your own research.

If you already have supplementary health insurance?

If you have already taken out supplementary health insurance but are not satisfied, then you are not alone. Many Swiss people pay too much money for offers that are not optimally adapted to their life, health and requirements.

If you want to adjust your supplementary health insurance, you should above all know what you value yourself. For example, are you primarily interested in cheap premiums? Is full coverage important to you?

Do you appreciate a free choice of doctor? Also criteria like alternative medicine, Dental supplementary insurance Switzerland or discounts for families can be taken into account and help you to find the optimal supplementary health insurance.

Change additional insurance: important tips and tricks!

For most health insurance plans, the contract period for supplementary insurance is one year. The notice period is three months. It is therefore important that you, the policyholder, submit the cancellation to your health insurance by September 30th. But the offers of supplementary insurance differ significantly. 

You are therefore well advised to refrain from insurance packages with less customer-friendly terms right from the start. If the insurance companies therefore offer policies with terms of three or more years and the associated notice periods of six months, these offers are less customer-friendly. 

Please also note that the contracts are usually renewed automatically if the insurance is not terminated on time. 

The neotralo.ch conclusion: you should definitely pay attention!

In Switzerland, in addition to constant basic insurance, there is the concept of supplementary health insurance. The offers differ greatly from one another and differ from person to person. This individualization is both positive and negative. 

You have the chance to find the optimal solution for you - but many quickly lose track of the supplementary insurance jungle and conclude packages that contain inappropriate or superfluous benefits.

We at neotralo.ch have therefore put together a quick and easy list for you. So you should note:

    • Your current health insurance company
    • Difference between outpatient supplementary insurance and hospital insurance
    • General health services
    • Offers in the field of wellness and relaxation
    • Fitness offers
    • Healthcare abroad
    • Offers of dental insurance
    • Additional Services

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Without additional dental insurance, it can quickly become very expensive for you

Without additional dental insurance in Switzerland, it can quickly become very expensive for you!

In many European countries, the statutory health insurance companies pay a large part of the simple dental treatment and also the corresponding preventive examinations. However, this does not apply to Switzerland.

Switzerland's basic insurance only pays for treatments for dental diseases that have arisen due to serious medical illnesses or unavoidable surgical interventions. 

That is why many Swiss have additional dental insurance that covers all other treatments, which can be very expensive.

Basic insurance in Switzerland does not subsidize braces, dental hygiene, dental fillings or dentures.

A timely conclusion of an outpatient dental supplementary insurance is definitely worthwhile in the country of the many cantons. For children even after their third birthday, as there is no medical certificate for inclusion in the supplementary insurance. 

If the child later needs a tooth correction, the insurance pays 50-80% of the costs incurred. The basic insurance does not pay for any necessary dental hygiene, repairs to the gums or fillings for carious teeth. 

In Switzerland there is even a list of exactly where, in what cases and for which diseases, the basic insurance for dental treatment costs is covered. Basically, this only applies to these 3 separate exceptions:- If treatment was necessary due to a serious, unavoidable disease of the chewing system.

- If the treatment is due to a serious general illness or its consequences.

- If treatment is needed to correct a serious general illness or its consequences.

Tip: Treatments as a result of accidents are always included in the basic insurance.

A dental insurance in Switzerland protects you from high financial and medical risks.

In Switzerland, you can have everything that has to do with prophylaxis, orthodontics, dentures and dental fillings with a dental supplement insurance.

Tooth position corrections and professional dentures can quickly cost up to CHF 10,000, and if you can't raise that much all at once, the debt trap often snaps shut.

Caries and periodontitis must be treated as soon as possible so that no tooth is lost and these treatments are not cheap in Switzerland either. Important check-ups and prophylaxis prevent dental diseases and are taken over in the appropriate dental supplement insurance. 

Timely precaution is also absolutely necessary for children to ensure healthy tooth maintenance. Teeth are indicators of health and underline the external appearance. If you want to feel good all around, an intact dental appliance is also part of it.

What are the individual costs of dental supplement insurance?

Dental supplementary insurance participates in dental treatments due to illness and accidents, such as the following examples: 

    • tooth extractions
    • preserving dental treatments
    • prophylaxis
    • Dental hygiene
    • Röntendiagnostik
    • Correction of misaligned teeth
    • Dentures, including crowns, bridges, pin teeth and dentures

How much is dental supplement insurance?

The monthly premiums for children are between CHF 10 and CHF 20. Adults pay around 30 to 40 francs per month. At some health insurance companies, policyholders have to take out dental insurance separately. This model may be more expensive than a package solution with other outpatient additional policies. 

Conclusion

The tariffs and benefits of dental supplementary insurance sometimes differ enormously from each other in Switzerland. Some insurance companies only offer to cover the costs of individual dental treatments, while others offer numerous tariffs for the different needs of their policyholders. 

Due to the high costs in the dental field, the premiums for dental insurance are also comparatively high.

To enable lower premiums, many insurance companies offer deductible tariffs or a franchise. Some providers also cover the cheaper costs for treatments in neighboring countries in Switzerland. 

Other special offers include free memberships for toddlers up to three years of age. Therefore, compare all offers carefully here and get professional advice before deciding on your optimal dental supplement insurance!

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Here you can find out everything about supplementary insurance in Switzerland

Here you can find out everything about supplementary insurance in Switzerland.

In addition to medical care in the compulsory basic insurance in Switzerland, there are additional insurance policies that are useful for you.

In case you travel a lot, for example, a new one every year sehhilfe need or that Hospital of your choice want to choose nationwide in Switzerland or choose one dentures your compulsory health insurance does not cover these costs.

A suitable additional insurance is worthwhile for them here. The majority of Swiss take supplementary insurance. The benefits and contributions differ from fund to fund in contrast to basic insurance.

Here you can find out the most important things about supplementary insurance in Switzerland.

In general, supplementary insurance in Switzerland is divided into two categories:

Outpatient supplementary insurance:

According to your personal wishes and ideas, these insurances take over costs for example over-the-counter medications, Treatments in the Alternative medicine for doctors without training, nursing, sporty medical programs, cures (Bathing and relaxation cures), ambulance services(For laying) and necessary Rescue or rescue costs in the event of an accident.

It is also important to mention the cost coverage of dental treatments, dentures and tooth position corrections, which can quickly be very expensive for you. A corresponding dental supplementary insurance protects you efficiently from financial ruin.

Also medical treatment abroad can be covered by a suitable additional insurance. Make sure that the health insurers often pay a maximum allowable amount. If circumstances allow, find out in advance about the price of the treatment abroad.

Supplementary hospital:

Usually, the cost of a hospital stay in Switzerland is only covered in the respective canton by residing from the basic insurance. Likewise, only the general department is paid.

If you have one twin room and want to be treated in a hospital outside your canton, the supplementary insurance applies: semi-private department all of Switzerland.

With an additional insurance one for private department throughout Switzerland, you will be paid for a single room. At the same time, there is usually one in the public hospitals chief doctor responsible for your treatment.

The so-called Flex model offers him a lucrative alternative to the somewhat expensive supplementary insurance mentioned above. Here you can determine which department you would like to be treated in just before the hospital stay.

Depending on the severity of the procedure and length of stay, you decide whether to be a chief doctor and a single room are necessary or not. In the general department there is usually no deductible in the semi-private- and in the private ward you have to share in the additional costs.

Finding the right supplementary insurance: insured persons have to be careful

In principle, insurance companies are free to decide on the scope of services. Therefore, the cover also varies from provider to provider. For this reason, insured persons are also obliged to answer a health questionnaire before being accepted into the insurance company. 

In general, potential policyholders are well advised to carefully review the conditions associated with the policy before taking out supplementary insurance. Prospective policyholders who want to have children should observe the following conditions: 

    • Compliance with waiting periods: Policyholders may only request benefits from the insurance company after a certain waiting period
    • Maternity leave is 270 to 365 days
    • after this time the supplementary insurance covers all costs related to birth and pregnancy 

Conclusion

Supplementary insurance in Switzerland is part of the health care system in Switzerland and is generally important to protect you from high costs.

Basic insurance is generally available for basic care. Smaller and always necessary expenses are taken over according to corresponding bonus and service packages and should be adjusted to your personal needs.

Supplementary insurance companies have the freedom to refuse insurance if the health risk seems too high to you.

 

Tip: Therefore, always be honest and have all the information given to you.

On comprehensive health insurance comparison will help you in any case.

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