Sunday, January 20, 2019

Bill of Health

In the US, health insurance is a hot button topic.

Here in Switzerland, it is a matter of due course.

When we moved here to Switzerland we were on an expat contract that provided us with international insurance. But when we switched to a local contract, we had to get local, Swiss insurance.
















By 'had to', I mean it is required by law. Health insurance is not a benefit offered by employers.

"Healthcare in Switzerland is universal and is regulated by the Swiss Federal Law on Health Insurance. There are no free state-provided health services, but private health insurance is compulsory for all persons residing in Switzerland (within three months of taking up residence or being born in the country). 
 
The whole healthcare system is geared toward the general goals of keeping the system competitive across cantonal lines, promoting general public health and reducing costs while encouraging individual responsibility.

Health insurance covers the costs of medical treatment and hospitalization of the insured. However, the insured person pays part of the cost of treatment. This is done by means of an annual deductible (called the franchise)."

For us we have a 2,500CHF (comparable to USD) deductible for Joe and I. Maureen has no deductible until she is over 18. But we only pay a 670CHF family premium for all 3 of us per month.





















Does this insurance model remind you of anything? Yep, it is the same as the Affordable Care Act or Obamacare.

Weird, right?

Now, the Swiss are not ones to let things go if you don't follow the rules. A couple of months ago I told you about the local newspaper whose news stories are generally cautionary tales. Recently they published an article about "a so-called blacklist of people who fail to pay their health insurance premiums or the fees for treatment they have received". Incidentally, in Canton Zug, the number for 2018 was 437 people.  No misdeed goes unnoticed....

Today's poem is a glimpse at what could have been:

Swiss health insurance 
you are now aware
is what the US would have
if they kept Obamacare
©2019, Bridget Magee. All Rights Reserved.

6 comments:

  1. Why oh why can't the U.S. just make a decision good for all? I'll never understand. Glad you didn't make that 'blacklist', Bridget!

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    1. Indeed, Linda, that's the eternal question. I live in constant fear of being put on a 'blacklist' for something...hee hee. =)

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  2. Sounds like a decent system. Are you pleased with the care you receive?

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    1. So far, so good with respect to our medical care. Maureen has had the best care by far and her insurance is the best as well. Nice to see a society take care of their younger population. Thanks for commenting, Jeanette. =)

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  3. I find all of your posts completely fascinating.

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    1. That is one of the nicest things anyone has ever told me. Thank you, Liz. It makes writing my posts more fun knowing someone out there is interested. =)

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