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Information to Krankenkassen-Center

 
Peter Felber Krankenkassen-Center

Peter Felber, General Manager

The Health Insurance Centre Switzerland was established in 1997 by specialists from the health insurance industry with the aim of offering you competent independent advice and support.
 

The Health Insurance Law has increased the competition between the health insurance companies. Premium differences of up to 50% are possible You can save over 1’000 Swiss francs a year. It is well worth your while comparing!

We will give you the cheapest health insurance premiums available in the area where you live.

Operating in the whole of German-speaking Switzerland, we will establish your exact requirements and work out for you the best offer in all respects. To do this we will consider all the important background information concerning the individual health insurance companies.

Take advantage of our many years of experience in this field. We analyze the facts every day and closely monitor any current developments. You benefit because we take all current facts and analyses into account. You save time and money.

As we are consultants with no products of our own, we recommend, completely independently, only health insurance companies that meet our stringent quality requirements.

Professional Selection of the health insurance companies.

The Health Insurance Centre Switzerland recommends only health insurance companies which have satisfied the stringent quality requirements of the Health Insurance-Centre Switzerland.

This means:

  • An impeccable customer service
  • Fair and reasonable rates
  • Fast refund of medical bills
  • Good performance for the individual products
  • The health insurance companies are obliged to have large financial reserves at their disposal. These reserves help to keep the premiums stable in the future.

How can I save on premiums?

Limitation of the choice of doctor and hospital

You can save up to 20% if you join a so-called HMO (Health Maintenance Organisation) on a family doctor/ GP Model. Under this system you waive your right to a free choice of doctor and hospital, and instead are treated in an HMO centre. (e.g. a group surgery).

Choice of a higher franchise

The health insurance company will grant you lower premiums if you increase the franchise (which means the fixed annual amount which you pay towards your medical costs) to more than the compulsory 300 francs. The ensuing discount depends on the amount of your franchise. The franchise can only increased on January 1st and for a minimum of one year.

The discount depends on the amount of your franchise but is limited by law.

Adults can choose from franchises of 500, 1000, 1500, 2000 and 2500 francs.

Children can choose from 100, 200, 300, 400, 500 and 600 francs.

Do not take on accident cover if you work more than 8 hours a day and are insured by your employer, in accordance with the accident insurance law, against occupational and non-occupational accidents.

What can the Health Insurance Centre Switzerland offer you?

We are an independent consulting company and can help you to find the insurance appropriate to your needs and circumstances. In this way you will receive a tailor-made solution and you will not pay for any benefits that you do not want.

For you we will compare the products and premiums of the 14 largest health insurance companies in Switzerland.

Let us work out for you today a comparison of premiums and benefits, all without any obligation.

Fill in the quotations form

Do you need in addition a personal liability, home, car, or legal protection/costs insurance?

We can also find the right partner for you. contact us

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Franchise
  • When costs are incurred for doctors, hospital treatment or medicines, the insured person must at first agree to pay the costs himself/herself. The first share of the costs is called a franchise. The health insurance company will only contribute financially when the costs exceed the arranged franchise amount and in the case of any further costs. In that case the health insurance company pays 90%, and the insured person pays 10%. The maximum the insured person has to pay is 700 Swiss francs per year for adults, and 350 Swiss francs for children up to 18 years old.
  • The amount of the franchise can be fixed by the insured party himself/herself. The higher the franchise, the higher the premium discount.
  • The franchise has to be paid only once per calendar year.
  • Increased franchise amounts can always be reduced at the end of the year.
  • For benefits in the case of a normal pregnancy the insured person pays no costs.
family doctor / GP model
  • In this form of insurance (as in the HMO model) the insured person undertakes always to go to one particular doctor (the gatekeeper). The insured person has already chosen this doctor from a list of doctors who have agreed to take part in this family doctor model.
    Emergencies are the exception to this rule.
  • As a rule the chosen family doctor is a general practitioner or .a doctor for internal medicine. He/She is responsible for the medical care of the insured parties who have chosen him/her as their doctor. When necessary, this doctor will refer the insured person to a specialist.
telephone-model
  • Before arranging a first appointment with a doctor (except in the case of gynaecological check-ups, emergencies and trips/stays abroad) you should first contact the independent telephone medical consultants of the Health Insurance Centre Switzerland. There, highly-qualified specialist staff will give you competent information and concrete recommendations – every day around the clock. 6-8% premium discounts, depending on the health insurance company.
HMO-model HMO = Health Maintenance Organization :

  • HMO is a health Insurance model. In case of illness the insured party undertakes always to go to one particular doctor. This doctor is called the “gatekeeper”. Emergencies are the exception to this rule.
  • Emergencies in the case of HMO insured parties:
    In emergencies the HMO insured parties should always go first to their HMO doctor. If this doctor is not available or it the insured person is not at his/her home or place of work, he/she should go immediately to the nearest available emergency doctor. After the emergency treatment, the insured person should contact his/her HMO doctor to discuss any further action.

Which costs do I have to pay myself?

Cost Sharing

Part of the costs are paid by the insured person.

The costs consist of:

  • the ordinary franchise. This amounts to 300 Swiss francs per year. Children up to the age of 18 do not pay this franchise.
  • the excess of 18% of the remaining invoice amount up to a maximum of 700 Swiss francs per year (children up to the age of 18: 350 Swiss francs)

The ordinary cost sharing comes to a maximum of 1000 Swiss francs per year for adults and 350 for children up to the age of 18.

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Swiss Health Insurance

Eienstrasse 6a
6042 Dietwil

Phone: 041-740 66 00
Fax: 041-740 66 01

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