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How to save on health insurance
In Switzerland we have a multitude of companies that offer health insurance. By law, the Lamal (Disease Insurance Law), they must always provide the same certain services. Therefore each health insurance fund, despite different prices, essentially offers the same basic service. The Lamal, commonly known as the "base", however, has some obvious shortcomings. The main and most obvious ones are:- Emergency transport. (E.g. Ambulance) - Drugs not listed or limited. (Those not therefore included in the list of specialties covered by Lamal). - Hospitalization outside the canton of residence. A complementary insurance that covers, among other things, these three gaps costs around 20 Chf per month. To give an example, let's imagine a 40-year-old person residing in Lugano. With 21 Chf of LCA (supplementary insurance) you will add to the Lamal benefits: - Hospitalization throughout Switzerland - Limited or off-list medicines (those not covered by the "basic" alone - Transport costs (ambulance, helicopter) You will also have other benefits such as :- Outpatient treatments throughout Switzerland.- Alternative medicine therapies. - Reimbursement of 200 Chf (every three years) for glasses and contact lenses.- Dental treatments (500 chf per year). civil) - Convalescence care. (max 30 days per calendar year) - Home care (1500 chf per year) - Vaccinations. - Health promotion. (200 chf per year for gym, etc.) - Check up (one every three years : prolonged examination, electrocardiogram, blood tests, glucose, cholesterol...) - Second medical opinion.