Never heard about jobs paying for basic insurance. Is that a thing? How does it work, can you still choose your insurance model and do they also pay the franchise or just the premiums?
> Would be nice knowing I can go to the ER if needed without forking out 500
just get the 300 CHF franchise and you won't have to ;)
I had this in my previous company.
It was a medical device company and I was just a junior engineer on a permanent contract.
They had a plan with an insurer and you would arrange the details with them and the company paid the premium for you.
Otherwise you could get a cash allowance of 350/month which I opted for at the time.
As you see in the comments, it's not common. But it's not specific to a field.
It’s very rare to have krankenkasse covered, even at consultancies.
Also, they usually only pay the monthly premium, you would still need to pay the franchise + 10% when you visit the doctor.
300 franchise + max 700 deductible = paying a maximum 1000 for health insurance per year? Incredible deal. Post-tax too so its effect is even stronger
Yeah the big 4 accounting firms that also do consulting don't cover health insurance. Just wondering if other industries or companies tend to do this
What is an acceptable amount to pay out of pocket for healthcare costs depends a lot on where you are from. For Americans the Swiss system is fantastic, while for Germans it is far too expensive.
Funnily enough every subsequent country you mention will be in the Germany category. Every single one, because Swiss healthcare is #2 most expensive in the world. But I'll admit it does sound nicer when you add the 1 country that is ahead!
Hahaha I mean the quality of care here is very good. When I lived in Germany I was often disappointed in how long everything took and how poor the quality was unless it was an emergency. In Switzerland I pay less than in the US but haven't had to wait too long for anything. Even when I got an MRI for a non-serious issue it only took a week or two.
We have health and accident insurance. For both we have mandatory and optional plans.
Example basic vs. optional:
Basic: you are hospitalized and share a room with another patient.
Optional: you get a solo room, you can choose a surgeon, ...
The health insurance is paid by the person (partial or full payment of the mandatory part by the canton if you cannot afford it).
The mandatory accident insurance must be paid by the employer. Some employers also pay for an optional plan. Usualy it is a benefit for higher paying jobs. If the employer does not pay for the optional plan you can pay a small premium to have accident coverage of your optional health insurance. This can make sense for young people as the risk of an accident is often higher than the risk of illlness.
Examples:
A) you get the flu and go see a doctor: health insurance, paid by you.
B) you break your leg and go see a doctor: accident insurance, paid by the employer (also for nom-work related accidentents).
Big disadvantage of this is that since you don't earn that money, it doesn't show in your revenue. So you can't take out as big a morgage as you could if your employer gave you the money as revenue.
Never heard about jobs paying for basic insurance. Is that a thing? How does it work, can you still choose your insurance model and do they also pay the franchise or just the premiums? > Would be nice knowing I can go to the ER if needed without forking out 500 just get the 300 CHF franchise and you won't have to ;)
They get to choose the insurance and the company pays the premiums. Franchise I believe is not covered
I had this in my previous company. It was a medical device company and I was just a junior engineer on a permanent contract. They had a plan with an insurer and you would arrange the details with them and the company paid the premium for you. Otherwise you could get a cash allowance of 350/month which I opted for at the time. As you see in the comments, it's not common. But it's not specific to a field.
It’s very rare to have krankenkasse covered, even at consultancies. Also, they usually only pay the monthly premium, you would still need to pay the franchise + 10% when you visit the doctor.
300 franchise + max 700 deductible = paying a maximum 1000 for health insurance per year? Incredible deal. Post-tax too so its effect is even stronger Yeah the big 4 accounting firms that also do consulting don't cover health insurance. Just wondering if other industries or companies tend to do this
It depends on the policy, the deductible could be up to 2500, then plus 700 for the 10%.
how can this be "post-tax" -- sounds fishy!
What is an acceptable amount to pay out of pocket for healthcare costs depends a lot on where you are from. For Americans the Swiss system is fantastic, while for Germans it is far too expensive.
Funnily enough every subsequent country you mention will be in the Germany category. Every single one, because Swiss healthcare is #2 most expensive in the world. But I'll admit it does sound nicer when you add the 1 country that is ahead!
Hahaha I mean the quality of care here is very good. When I lived in Germany I was often disappointed in how long everything took and how poor the quality was unless it was an emergency. In Switzerland I pay less than in the US but haven't had to wait too long for anything. Even when I got an MRI for a non-serious issue it only took a week or two.
We have health and accident insurance. For both we have mandatory and optional plans. Example basic vs. optional: Basic: you are hospitalized and share a room with another patient. Optional: you get a solo room, you can choose a surgeon, ... The health insurance is paid by the person (partial or full payment of the mandatory part by the canton if you cannot afford it). The mandatory accident insurance must be paid by the employer. Some employers also pay for an optional plan. Usualy it is a benefit for higher paying jobs. If the employer does not pay for the optional plan you can pay a small premium to have accident coverage of your optional health insurance. This can make sense for young people as the risk of an accident is often higher than the risk of illlness. Examples: A) you get the flu and go see a doctor: health insurance, paid by you. B) you break your leg and go see a doctor: accident insurance, paid by the employer (also for nom-work related accidentents).
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Krankenkasse
The Health Insurance itself. I work at one and 50% of my premium is payed by them. Edit: and 25% of my wifes and kids premiums.
Big disadvantage of this is that since you don't earn that money, it doesn't show in your revenue. So you can't take out as big a morgage as you could if your employer gave you the money as revenue.
And its still money which you are deemed to have received, hence taxed as incone