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Health insurance for Swiss and for Finnish


#1  2012-03-26 16:25:40

Springflower
Active member
Registered: 2012-03-24
Posts: 25

Health insurance for Swiss and for Finnish

Somewhere we did read there is some insurance which includes also children. So is there differences what kind of insurance my husband gets comparing to my insurance? So is there different insurances for foreigners than for Swiss? And is the best to include our child to my husbands insurance?
Is there any insurances where can icnlude the whole family?




 
 
 
 

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#2  2012-03-26 20:47:35

oiseaubleu
Active member
oiseaubleu
From: Bienne
Registered: 2012-01-13
Posts: 82

Re: Health insurance for Swiss and for Finnish




 

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#3  2012-03-27 07:34:33

Christine
Administrator
Christine
From: grand baie
Registered: 2008-09-29
Posts: 23568

Re: Health insurance for Swiss and for Finnish

Hi Springflower,

You could contact our partner: http://www.expat-blog.com/en/insurance/ … itzerland/




 
 
 
 

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#4  2012-03-27 18:20:00

blou
Contributor
From: fribourg
Registered: 2009-05-04
Posts: 190

Re: Health insurance for Swiss and for Finnish

Christine is wrong.
insurance is personnal and you need a swiss insurance anyway.




 
 
 

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#5  2012-03-27 18:28:01

Springflower
Active member
Registered: 2012-03-24
Posts: 25

Re: Health insurance for Swiss and for Finnish

There are some insurances for families but we donīt know does the whole family include if dad and child are Swiss but mum is Finnish.




 
 
 
 

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#6  2012-03-27 18:34:42

blou
Contributor
From: fribourg
Registered: 2009-05-04
Posts: 190

Re: Health insurance for Swiss and for Finnish

it's individual, even if they propose you some nice package at the end it's all made of individual insurance.
there is no distinction on nationality




 
 
 

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#7  2012-03-27 19:09:47

Springflower
Active member
Registered: 2012-03-24
Posts: 25

Re: Health insurance for Swiss and for Finnish

Okay, thatīs why it wasnīt cheaper. We know that itīs expensive but maybe itīs better to take several insurances in the beginning for everyone..?




 
 
 
 

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#8  2012-03-31 14:44:40

Steven J Cohen CFA
New member
Steven J Cohen CFA
From: Zurich
Registered: 2011-12-28
Posts: 8

Re: Health insurance for Swiss and for Finnish




 
 
 

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#9  2012-05-05 07:03:37

Twan
Active member
From: Olten
Registered: 2011-08-10
Posts: 76

Re: Health insurance for Swiss and for Finnish

Springflower wrote:

Okay, thatīs why it wasnīt cheaper. We know that itīs expensive but maybe itīs better to take several insurances in the beginning for everyone..?

There are two health insurances:

There is the *mandatory* insurance ("KVG") which is mandatory for anyone living in Switzerland, irrespective of age or nationality. It is offered by hundreds of different companies. Coverage is *exactly* the same for all companies, as the conditions are set by law. Any company you choose, has to accept you irrespective of your health condition - this is also set by law.
The rates and some service conditions vary from company to company and it is well worth to compare rates as this insurance will consume quite a part of your monthly budget.
You don't have to insure all family members at the same company. If company A is cheaper for you, and B is cheaper for your wife or children, it is OK that you take insurance through A and your wife and kids through B.
There are NO family reductions on the mandatory insurance and everyone (kids as well) need an insurance. When pregnant, register the unborn child in advance with a health insurance company. This will avoid financial problems in case the child is born with an illness.
Compare rates and service conditions at www.comparis.ch

There are optional insurances for things that are not covered by the mandatory insurance. You are free to take such an insurance or not.
These insurances are much less restricted by law, and there may be family reductions and so on. On the other hand, they may deny acceptance completely or partially (for specific illnesses, for example) if they want.
Recommended: dental insurance for children under 21. You need a Math Degree in Big Numbers to read a dentist bill in this country - and a well-filled bank account to pay the bill if your kids are not insured. Dental insurance for adults exists as well, but is as expensive as the dentist so less helpful.




 
 
 

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