There are many unforeseen events and not everything can be anticipated. In times of need, credit can be a quick and easy solution to meet your healthcare costs.
Supplementary insurance
If you are a resident of Switzerland, you are required to contribute to a health insurance company that will provide you with compulsory health insurance coverage; the famous KVG.
Supplementary insurance, on the other hand, is voluntary. Think of the choice between semi-private or private wards in the hospital, the care provided by naturopaths, osteopaths, dentists...
Not only is the insurer not obliged to accept your application, but in the event of a favourable response, your premium will depend on the risk factor determined by the health insurance company concerned and this premium can be very high depending on the case.
My Teeth
Unless you suffer from a serious illness, your dental care will not be covered by the KVG. A filling, a correction of tooth positioning, an emergency intervention... Going to a dental office is likely to cost you a lot.
These costs are only partially covered by taking out supplementary insurance.
My pharmacy purchases
Your over-the-counter medications will not be reimbursed.
The same applies to certain medications such as analgesics or vitamins.
In fact, a recent study indicated that only 3,000 of the 9,000 medicines authorised in Switzerland contributed to a financial contribution.
My eyes
It's best to have 20/20 on your eye test. This is because neither your frames nor your lenses are covered by the KVG. It's the same with lenses.
However, there are exceptions, via a partial contribution, in the case of significant medical conditions.
My Hearing
In the event of hearing problems, AHV and IV can cover certain costs; especially when buying a hearing aid.
Health insurance, on the other hand, does not come into play.
My Fall
Do you twist your ankle when you fall? Need crutches? The KVG will cover part of the purchase costs, but not all of them. Do you just want to rent crutches while you recover? You pay.
By the way, if you need to call an ambulance, have your credit card ready; only part of the costs charged will be covered by your health insurance and this is maximum once a year.
So calculate the date of your next fall.
My gynaecological visit
It would make sense to support women in scheduling an annual gynecological visit; primarily for their health and, consequently, for the long-term beneficial effect on the KVG funds.
Yet, the annual visit is not supported at all. Only one inspection every three years is reimbursed.
And as far as the different types of contraception are concerned, despite recent efforts by some insurance companies, this is not, in principle, covered by your health insurance.
My vaccination record
Are you tempted by yellow fever? Rabies perhaps? Why not a little hepatitis A or B shot? No?
It's better to get vaccinated then. However, don't rely on your health insurance company to cover the costs incurred.
It's not that it doesn't intervene at all for some vaccines, just not those.
An 'alternative' world?
To sum up, brush your teeth well, wear a cap to protect your eyes, avoid loud concerts, buy condoms, vaccinate selectively, and don't fall.
By the way, even if your medical expenses are reimbursed by the KVG, you will of course have to pay a deductible and a percentage of the costs incurred.
But don't worry because the system provides for the reimbursement of alternative or alternative medicine, depending on the terminology used.
Homeopathy: As soon as prescribed by a doctor, your treatments based on a vegetable, mineral or animal dilution will be covered.
Traditional Chinese Medicine: Does Your Ankle Still Hurt? Don't worry, one acupuncture session and your pain will disappear, at no cost.
Phytotherapy: Your pathology treated thanks to the virtues of plants. And that's it! Here, too, reimbursement is guaranteed.
Anthroposophical medicine: Also based on natural substances, we will leave it to you to inform yourself about the scientific basis of this type of treatment. We haven't understood everything, except that the KVG comes into play. Of course, you need to be treated by a recognized therapist.
There's also light therapy! A sun cure that is covered by your health insurance; no need to take out additional insurance.
The Millennium
So no, we're not health experts; You will have understood this by reading our analysis of the treatments and medicines covered by the KVG.
However, you don't have to be an expert to understand that our coverage system is not optimal (unless you are a fan of non-traditional medicine of course; excuse our humor in this regard, we couldn't resist). On the other hand, we are experts in credit...
There's no denying that your health is your most precious asset. If you are facing financial worries to deal with unexpected care costs and as soon as your budget allows it, consider a credit solution that we can offer you at Milenia.
After a quick compilation of your file and a professional examination of your repayment capacity (let's avoid the appearance of other ailments such as the stress caused by insurmountable monthly payments), we will be able to pay you the desired amount.
No guarantee is required, no medical examination is required, no administrative costs are counted... All you have to do is contact us and we will be able to advise you in a personalized way so that you benefit from a responsible, balanced and competitive personal loan.
Since our launch a few years ago, we have exceeded CHF 400 million in loans.
Today, we are part of the largest credit group in Switzerland and have an unfailing reputation for the quality of our hospitality, our attractive interest rates and our solutions that cover credit, unemployment insurance and the cleaning of your credit data.
It may not be possible to anticipate a fall, but you can count on us to help you get back on your feet!
