The Swiss society has the highest life-expectancy of 80.5-years for men and 84-years for women. The health-care system is defined in a highly structured manner. The LAMAL that came into existence in the year 1984 made it mandatory for all the Swiss citizens to have the mandatory health cover equally. This system is defined by the Swiss federal-government and controlled by the office of Public-health. Switzerland has adopted a highly distributed system of health-care. Insurance-companies are given a free hand to operate, but are controlled by the 26-cantons starting from Zürich to Bern. The insurance-packages are divided into two categories namely the basic-Package and the extended (additional insurance policies).
The basic-package extensively covers many aspects of the citizens’ heath and insurance needs. Some of the salient features include
- Out-patient and In-patient facilities for every person within his/her residency-canton
- Home-treatment for everyone, especially the elderly and the physically challenged people (Please refer to the latest rules from the official LAMAL related websites for the coverage and terms & Conditions)
- Maternity-expenses, pre-delivery and post-delivery care of mother and child. Free consultations by expert physicians. Nutritional advises and more
- Sponsoring of eyeglasses for children and adults
- Alternate medications (ex :- Homeopathy)
- Critical and mandatory dental-treatments
- Emergency-medical services, hospitalization and treatment expenses coverage, Trauma management
- Free Physio-therapy treatments (the number of sessions and type of therapy may vary from case to case)
Of course, the kitty gets additional features added into the basic-insurance policy every year. The Swiss government takes care of all the possible measures to ensure the health of every Swiss citizen equally. This requires certain amount of strictness and discipline imposed through laws. The Swiss law makes it mandatory for all the residents to adopt the basic-health policies or face a penalty. You can choose your own recognized and registered company for this purpose. If you feel uncomfortable with your existing insurance-provider, you also have the freedom to change them (Please refer to the latest rules from the official LAMAL related websites for the coverage and terms & Conditions).
Individual premium-Contributions and the added-deductibles are open to competition for the private-insurance sector. Care is taken by the government to avoid excess rates on the insurers. Here, the insurers as well as the government make contributions. If you are employed in a company, the contributions are also shared by your employer that covers
- Complete health-care and frequent checkups
- Free Consultations
- Free-medications and out-patient treatments for non-serious ailments
- Emergency-medical-care, hospitalization and treatment
- Accident-coverage during working hours (Please refer to the latest rules from the official websites for the coverage and terms & Conditions)
- Family-insurance coverage (depends on various factors like employee category, premium-rates and others)
The expecting mothers in Switzerland have a lot to cheer about when it comes to maternity-care. The updated rule book has ensured maximum possible care for both employed and self-employed women. The mandatory health cover takes care of you right from the pregnancy stage till the post-delivery treatments. You will not be surprised if you will have to go back to the class room during this period. You will be taught and trained by maternity-experts regarding the
- Daily routine and regular physical exercises
- Food and diet balancing
- Frequent and simple self-tests for Blood pressure, diabetes levels and so forth
- Expert psychological advices to avoid depressions
Apart from the training, you are given many free checkups and basic-level treatments that are covered by your joint-premium payments. The Post-delivery period is very critical for you and your child. If you are a working woman, you will get paid leave. The child is given complete-health coverage for a limited period (refer to latest rules online). The additional insurance can cover any complexities that you may face during the pregnancy period and in the post-birth period that could cover both the mother and the newborn-child. If the new-born child is affected by any illness, the maternity-insurance automatically covers the child also. Complete treatment-expenses are covered by the mandatory health cover.
Immunization-insurance covers all the fundamental immunization-expenses for children aged below 16-years and the senior citizens above the age of 65. This system has resulted in a healthy society free from frequent illness. Here, the preventive measures taken by the federal-government acts as a model for the other European nations.
Life can see unexpected turns at critical times. The accident-insurance policies as a part of mandatory health cover provide breathers for many ailing employees who are temporarily or permanently harmed due to work related and general accidents. It covers all the medical, treatment, hospitalization-expenses and medication-costs depending on the employment contracts and the existing mandatory rules at that time. The Invalidity-Insurance-policies ensures the individual gets a life-time pension in case he/she is permanently unable to continue working with the employed company.
If you happen to be tourist in Switzerland, you will be covered by the mandatory health cover during your stay here. The Visa-granting authorities have made many beneficiary rules and facilities that protect you during your travel-time. You can find many private-sponsored companies in Switzerland that offer basic and additional insurance policies to cover you and your entire family. The basic policy covers
Medication-expenses: – This could become a major cost-benefit for you in case of minor illness and injuries. If you are a frequent-visitor, you will be glad to know about the Annual-schemes that cover you and your family.
Emergency and Accidents coverage: – in case you meet with any accident, the additional insurance options can take care of your hospitalization and medical expenses, safe-travel back to your home country and so forth.
If you love skiing and adventure in the Alps, you better ensure the additional insurance coverage facilities those will take care of your complete expenses if you happen to meet with skiing-related accidents and the related treatments. Every year, the Alps Mountain witnesses many freak ski-mishaps that are effectively covered by the Swiss-Insurance companies.
If you are an expat-employee working in Switzerland, the employer will take care of your mandatory health cover within the initial 3 months. The basic-insurance policies take care of hospitalization, treatment and medications. You will be provided the basic-protection schemes even if you are suffering from chronic illness (You can refer to the LAMAL manuals for updated regulations). The expat-employees have a wide range of plans to choose from.
- The mandatory health cover that takes care of basic health-needs of the individuals
- The other models include the Family-doctor model, The health-Maintenance-Organization model
- Separate model for expat-students, expat-researchers and others
- De-registration options for policy-termination at any point of time
You can find many online-guides with proven track record of providing maximum coverage to you and your family. If your children are born in Switzerland, you will have to insure them within the first three-month period. The premium-plans are broadly classified in 3 categories.
- The foundation-plan
- Motherhood –plan
- Dental-related treatments
Women in Switzerland are covered by the Chronic-Villus after the age of 35. There are policies that cover still-born and other complicated cases during any surgery prescribed in the post-birth period for the mother and the child. The supplement-policies can also cover the spa-treatments for the mother. There are many additional insurance funds about which you can find adequate information online. The main differences between the various additional schemes are in the premium-cost and the sharing differences.
The additional insurance takes care of Dental-treatments, added facilities along with the basic-insurance coverage (ex: – personal nurses, special rooms in hospitals etc). Besides it also ensured the presence of senior doctors and surgeons during your treatment and care. The Canton-governments (Regierung) are usually in-charge of the LAMAL with relevance to additional insurance policies.
The Swiss-Federal government has given the freedom of voting to its citizens when it comes to mandatory health cover. The mandatory health cover in Switzerland is a lesson to many leading European nations and the world to learn and follow suit. The Swiss model of mandatory health cover is quite appreciated and emulated even in the United States and the Americas. The provision of cash-subsidy to the people is a new concept coined by the Swiss federal-government. People have a wide range of choices. The federal-government on the other hand contributes its share by offering subsidized medicines and treatments by expert specialists. Even the Canadian government is fast trying to adopt the Swiss model of mandatory health cover exclusively managed by private companies. The system ensures zero-waiting time for the insurance policy to get initiated. As the number of Insurance service-providers is majority private, there is a healthy competition in the premium-rates that every insurer pays. Besides, the companies offer attractive schemes that take care of the additional insurance coverage. The coverage for sick people ensures their medication and treatment needs are met with maximum subsidies. The shared-payment model is inclusive of minimum-mandatory-deduction is a novel method of the federal-government in bringing health-insurance awareness among every individual. The division of high-deductibles for the general people and the low-deductibles for the sick-people establishes a social order in the system. It practically implements the federal-government policies of taking extra care of the sick people.
The lowering of Annual-health-insurance schemes for the people initiated by the Swiss Federal-government has inspired many world insurance-companies to sit and study the Swiss-model very seriously. The studies found many positive aspects of the Swiss mandatory health cover.
- Peoples’ mandate plays a crucial role in health-insurance policies formulation
- The consumer has a wide range of health-insurance-plans
- The insurance-market is open to competition, but the mandatory health cover schemes are regulated by the Federal-government that formulates uniform laws across all the 26-Cantons.
- Reforms are a continuous process in the Swiss model
The best way to understand the benefits of the Swiss mandatory health cover is through the success stories and the likes for many private insurance companies in the leading social-networks online. If you are using the net on the mobile, you can find many competent service providers within your Canton areas.
One of the expat-employees coming from Sweden had a working wife who was pregnant. He applied for the family Visa and by the time she arrived in Zürich, he had taken the additional insurance policies. This gave him the option of choosing the hospital of his choice. In addition, it also covered clinical-examinations, laboratory-testing, risk-coverage, medications and Vitamins and additional scans his wife had to undergo during the pregnancy period. The post-birth tests and treatments covered by the additional insurance ensured a smooth transition from motherhood back to her work that she resumed in Switzerland.
One of the Swiss citizens who visited a foreign country had fallen sick during his short stay. He had to spend from his pocket for his medications. When he was back in the country he was able to reimburse the medication-costs with relative ease. There are many such case-studies where the additional insurance came to the rescue of many patients who are prescribed treatments and medications that are not covered by the mandatory health cover.
The Insurance-companies in Switzerland have dedicated customer care services. When you approach a private firm in Switzerland, you will be given highly competitive quote based on your basic and additional insurance needs. There are however some exceptional cases also where the mandatory health cover can be extended to include some expensive medications and treatments, especially when
- The prescribed medicine is an absolute necessity to fight the acute illness of the patient
- The usage of the medicine is a pre condition for the next stage of treatment
- You can find more related information in the LAMAL official websites
Before opting for the additional insurance you can go through the list of such policies, compare the initial down-payment methods that help in savings on the premiums and the shared deductible-methods. The online-consultations will help in clarifying all your queries regarding the schemes, benefits and cost-effectiveness of the policies that best suit you.
Posted in Discover Switzerland!