Switzerland’s healthcare system is prominent for being among the best healthcare systems in Europe. One of the major attractions for several people considering relocating here permanently is their profound network of healthcare centers and hospitals, booming economy, wide-ranging job opportunities, and thorough doctors.
If you work or live in Switzerland, it is mandatory for you to have health insurance, regardless of where your home country is. Although you technically have about three months to apply for health insurance in accordance with your arrival, the government generally expects you to apply as soon as possible. Even if you are working in Switzerland for less than three years you will still need to have basic health insurance. However, your European Health Insurance Card (EHIC) provides you access to healthcare in Switzerland If you’re from an EU/EEA country.
We understand that it can get very confusing and seem very complicated at first, so to provide you with a better comprehension of this topic, here’s an elaborate guide on health insurance comparison in Switzerland [Refer German Version]. We will cover everything you need to know about buying affordable health insurance in this guide, so worry not and give this article a good read to get a better comprehension about getting Short Term health insurance in Switzerland.
Short Term Health Coverage
Short-term insurance policies bridge the gap between open enrollment and extended health enrollment periods. Special enrollment periods also exist for eligible events. A person may need short-term health insurance because private insurance is too expensive or because the health insurance their employer provided may be expensive or inadequate. Short-term health insurance can protect individuals while waiting for the employer’s plan coverage to start. Short-term plans generally do not provide coverage for dental, maternity care, vision, treatment for mental health conditions, or preventive health measures. But you can add on coverage for vision, dental, and a prescription if needed. However, unlike some people suggest, you can remain on a short-term health insurance plan for as long as you need or like.
How Does Short Term Health Insurance Coverage Work?
An individual can be entitled to a short-term plan that will assist him or her with medical treatments and services fostered by unexpected illness or injury. These may incorporate a hospital stay, outpatient services from a doctor, going to the emergency room, surgery, and laboratory services, including x-rays.
The advantages of short-term health insurance depend on the insurance policy itself. It’s possible that it covers prescription drugs but might charge for other benefits. You can be asked to fill out a health questionnaire and reveal any pre-existing conditions. You need to check your eligibility to qualify short- term health insurance plans. If you fail to inform about any pre-existing condition, the insurance company can cancel your policy.
How To Opt For The Best Short-Term Plan?
The coverage that you receive depends on the insurance company, what it promises you to provide, and how much you are willing to pay.
Electing for an insurance company may not be an easy task, so we recommend you consult a licensed health agent, who is familiar with short-term health plans.
People often make mistakes due to the urgency of taking action on getting short-term insurance. This may end up making them the victims of a certain kind of fraud or some very slick marketing. Thus, It is preferable to have an insurance professional to guide you. This will help you save a lot of time and will enable you to opt for the best health coverage plan for you by comparing other options, without any hassle or trouble.
Advantages Of Short Term Health Plans
Short-term policies enable healthy applicants to secure immediate individual and family coverage, with plans that can kick in as early as the next day. Your insurer may allow you to make a single payment for the whole coverage period if you already know the period you need to be covered.
Sometimes people can forget to enroll for health insurance on time. This can cause a lot of trouble if they don’t get a special enrollment and there is no qualifying event. They may have to go without insurance coverage which will could lead them to face high-cost medical treatments. However, short-term insurance can aid anyone who has missed health enrollment deadlines.
We hope we made the health insurance comparison in Switzerland easier for you. This article will aid you to find the perfect short-term insurance package for you. We recommend you carefully consider the wide range of different options that are available online at the simplicity of your seats so that you can land the short-term health insurance package that suits your unique situation the best.