How you can save the insurance company a lot of money

At the conclusion of the supplementary insurance is offered to attention. On the one hand, you have to be to the individual needs of the Insured fairly, on the other hand, over-insurance can go a pretty penny. Because the basic health insurance policy in addition to voluntary additional benefits are many and varied. With the highest cost of the additional Hospital in which the Insured to choose whether they want to be treated in a private or semi-private ward is connected.

1. Supplementary insurance only after recording in new Fund
Who buy supplemental insurance or an Upgrade from semi-private to private would like to make, is dismissed by many health insurance companies of a certain age or in a worse state of health terminate. It is therefore particularly important to terminate the existing policy only if it has the written commitment of the recording in any other Fund is available.

semi-private or private insurance coverage? Financially, a giant makes this difference. Photo: Andre Muelhaupt

2. Health Declaration truthfully
fill out The supplementary hospital insurance covers an important need. The amount of the insurance contributions depends on the scope of work, age and health of the Insured. Depending on the insurance company's customers can no longer switch from the fifty or sixty years, the hospital auxiliary, but only fold or deeper insurance coverage to choose. In the case of an exchange, often a health Declaration must be supplied. These must be truthfully filled in, in order to prevent a subsequent exclusion from the health insurance Fund.

3. In the case of hospital insurance, Flex-model
The stay in the General ward choose is covered by the basic insurance. Many Insured a semi-private or private insurance coverage, however, is too expensive for you, the flexible hospital insurance (Flex model) is suitable. Prior to the hospital admission is selected, which Department, respectively, of treatment is desired. The Insured decides for semi-private or private, must contribute to the cost. His current premiums are significantly lower. In addition, this Cost sharing may be covered by means of a daily hospital allowance insurance.

4. Exclude accident cover
employees with a workload of more than eight hours per week are not for the same employer in the case of occupational and non - occupational accidents on the insurance of the employer are covered. In contrast, the accident cover may be excluded in the additional insurance but never. They is usually cheap, and their subsequent inclusion may be subject to limitations.

5. In the case of scheduled maternity leave period to clarify
to be able to during pregnancy and at birth over and above the basic insurance in addition to benefits, it must be ensured that they do not fall in any waiting period. Women planning a maternity, should promptly clarify, when what services are covered.

6. Children before birth to insure
children must be insured before birth. This is free of charge, guarantees, however, that the child may be a birth defects unconditionally in the supplementary insurance included.

Even with the dental insurance for the children, money can be saved. Photo: LAB

7. Dental insurance for the birth of the child to complete
don't be surprised To parents later of high claims, you should sign up for the birth of the child, or before his sixth birthday, a dental insurance, the basic insurance pays nothing on dental corrections. Many insurers require from the sixth birthday of a dentist's certificate; in the case of a misalignment of the teeth position, the cover can no longer be completed. It is therefore recommended that at birth a dental insurance with a high insurance protection.

8. Lump-sum disability benefit for children and Housewives
The 2 insure. Pillar provides for the Insured a lump-sum Disability benefit in case of disability. Children, Housewives, and students are not insured against the financial consequences of this, in the worst Case, however, sufficient, since no appropriate cover from the 2. Pillar is. It must therefore be concluded for sure a suitable insurance for disability due to illness or accident.

9. Call dates
When there is a change or adaptation of additional insurance to comply with certain deadlines must be observed. In the case of a premium increase about the additional insurance can be changed until the end of November, the notice must be received by no later than the last working day in November for health insurance.

10. Additional insurance on time complete
It is possible already now additional insurance by 1. January 2021 to complete. The basic insurance can be changed at the beginning of 2020 to a new insurer – and a year later, the additional insurance companies come to.

Stephan Wirz, member of the management Board of the broker centre of Switzerland AG

This Text comes from the leaflet "money & Digital" in the current issue. Now all of the articles in the E-Paper of the Sunday newspaper, read: App for iOS App for Android – Web-App

Created: 15.11.2019, 11:09 PM