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Health insurance
Insurance policies
Saving
Corrective dentistry insurance
Health insurance
- Registration
Many parents insure their babies even before birth. Children must have health insurance
at age three months at the latest. Mandatory basic insurance is available from all
health insurers active in the place of residence. Children who are registered with
a health insurer after birth are still insured from day one.
Compare health insurance premiums
- Benefits
The benefits provided by basic insurance are prescribed by law and are the same
with all health insurers. Among other benefits, health insurers pay for eight medical
checkups for babies and children before they reach school age. They also assume
the costs of vaccinations according to the Federal Office of Public Health's vaccination
plan.
- Deductibles and retention
While adults are subject to the usual
deductible of CHF 300 per year, deductibles for children and adolescents
up to age 18 amount to 0 francs. Higher deductibles are voluntary. Parents must
contribute 10 percent to the cost of doctors, hospitals and medication up to a maximum
of CHF 350 per year and child. The annual contribution for two or more children
is no more than CHF 700.
- Supplementary insurance cover
Because Swiss hospitals have only general children's departments, there is no need
for private or semi-private insurance. Families residing in a canton with no specialized
children's hospital should look into supplementary hospital insurance with a free
choice of hospital anywhere in Switzerland. Supplementary insurance for corrective
dentistry also makes sense but policies must be taken out in good time.
Compare supplementary insurance cover
- Saving tips
Children and parents do not have to be insured with the same health insurer. Family
discounts may sound good but frequently amount to very little. Choosing a cheaper
insurer often saves far more. Insurers can be changed at the beginning of each new
year. Since the benefits provided by basic insurance are the same regardless of
insurer, it pays to compare premiums.
Leave annual deductibles for children at CHF 0. Higher deductibles are not
worth it for children since discounts are minimal. For parents, though, it is worth
looking for a better deal. Savings can also be made by choosing an alternative insurance
model (GP, HMO, Telmed etc.).
Examine supplementary insurance policies in detail. We recommend supplementary insurance
for corrective dentistry and in cantons without a specialized children's hospital,
supplementary hospital insurance for a free choice of hospitals throughout Switzerland.
Save on the cost of private or semi-private insurance for your child without a second
thought.
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Insurance policies
- Private liability insurance
This insurance covers damage caused by parents or their children to third parties.
Underage children are generally included in existing family policies.
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- Household insurances
This insurance covers damage to household effects, furniture, clothes and sports
equipment resulting from fire, water, theft or glass breakage. It is worth recalculating
and changing the insured sum on existing household effects insurance. Otherwise
you could be faced with deficient cover.
Compare premiums
- Life assurances
Life assurance is generally understood as risk insurance in the event of disability
or death. It comes into force when the policyholder is left disabled following an
accident or illness. Illness-induced disability is four times more prevalent than
invalidity resulting from accidents.
- Saving tips
Compare the various offers: cover and benefits vary from provider to provider as
do premiums.
Stay flexible: do not take out any long-term policies, especially for household
effects and private liability insurance, or insist on an annual right of termination.
Higher policy deductibles generally produce few benefits, so check whether a saving
on premiums pans out in terms of larger financial risk.
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Saving
- Bank savings
Bank savings plans involve paying a sum of your choice into a savings account at
an interval you choose. You can access the money you have paid in whenever you want
though you must take note of the notice period specified for the account. Banks
offer a broad range of accounts. The best are generally young people's savings accounts
since they offer the best conditions: the interest they pay is at the higher end
of the scale and they are subject to hardly any charges. Some banks also provide
gift accounts that can be opened by godparents, grandparents etc. for transfer to
the child once he or she reaches a certain age.
Compare young people's savings accounts
- Insurance-linked saving
These policies combine insurance cover with savings as mixed life assurance. Parents
can set a certain savings sum and are obliged to pay premiums regularly for a certain
period. Note that the premium agreed when the policy is taken out cannot be changed
simply and that an early exit is linked to high costs.
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Corrective dentistry insurance
- Nearly every second child needs braces. It can cost from CHF 10,000 to CHF 16,000 to have complicated corrective dentistry done. Supplementary insurance from a
health insurer may provide relief with monthly premiums of between CHF 10 and CHF 20.
In contrast to mandatory basic insurance, the health insurer will provide various
benefits linked to the supplementary insurance policy.
Compare supplementary insurances for corrective dentistry
- Check admission age
Health insurers are not obliged to offer every child supplementary insurance and
the child's age in particular plays a role. If it becomes clear that a child will
need braces in a few years, the insurer may refuse to offer cover or exclude corrective
dentistry from its benefits. It therefore makes sense to find out early on how much
time is allowed without a risk check.
- Check conditions
Attention should be paid to ensuring that the cost contribution percentage for included
benefits is as high as possible. In addition, the maximum amount to be paid should
not be too low. At least CHF 16,000 should be reimbursed for the entire course
of treatment in each case.
Insurance cover solely for dental treatment is not recommended, in other words those
policies that cover only removal of plaque or the cost of dental hygiene. Regular
oral hygiene generally keeps these costs low and insurance to cover them makes little
sense.
- Saving tips
Supplementary and basic health insurance can be taken out separately. You can also
change insurers for your basic cover while leaving your supplementary insurance
at the old insurer.
Crucial to corrective dentistry insurance are the maximum amount and percentage
cover, nor should premiums be forgotten.
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