Information-advisor

This advisor informs you about the insurance system in health care.You get to know everything you need to know about the obligatory health insurance , also called basic insurance , and about the supplementary insurance too.The legally regulated services and the related coverage gaps and why there are different premiums will be thoroughly explained.Although the services of the basic insurance are the same all over Switzerland there is a competition law between the health care schemes which affects their finances.This is why the selection of the health insurance has to be done very carefully and eventually an exchange is worthwhile . The same applies to the supplementary insurance where there is some freedom in the contract arrangement and where there has to be a clear comparison between the service providers.It must also be weighed  which coverage gaps have to be filled through this because there is no need for an over-insurance nor an under-insurance as it could lead to health and financial deficits. The advisor provides all the information you need and advises you how to optimize the services and premiums.

The basic insurance
The basic insurance is regulated in the health care law.All backgroungs and the legal basis are clearly explained here.The differences between cantons and providers  which have to be taken into account while selecting the health insurance are also  demonstrated.

The services of the obligatory health insurance
Here you get to know exactly which services you are legally entitled to.Try to inform yourself about the duties of the basic insurance in in-patient and out-patient treatment, during a stay abroad and in the case of accidents.

General information about the supplementary insurance
The conclusion of an additional insurance can be useful to  maintain the health and to minimize the risks.When is this conclusion worthy , what you have to pay attention to and the most important basics concerning the selection are explained here.

What are the available supplementary insurances?
Especially in the field of dental care , out-patient treatment , abroad stays and health precautions there are coverage gaps in the basic insurance .With the selection of the right supplementary insurance you can overcome this shortage in the health system.

The selection of the health insurance
There are differences in the performance , premiums and service offers  of the health care schemes and also in the supplementary insurances. In this article you can read about everything you should pay attention to in order to get good performance and  the suitable services to your needs for the lowest premiums possible.

Saving up on premiums while well insured
While the health insurance schemes in the supplementary insurances are free in the contract and premiums arrangement  there are also free spaces  you should know about concerning the basic insurance .Try to inform youself here how to reduce the premiums without risking the protection of your health.

The exchange of the health insurance scheme
Under certain circumstances it is recommended to exchange the health insurance. If  you find a more favourable provider or a provider whose offer suits you better and if you consider a change try to inform youself here about the dates and the period of notice.

Information and run-up points in health care
Different establishments are responsible for the formation and arrangement of the health care system and different associations and institutions give information about insurance and health questions. Here we have put together some important run-up points for you .