r/Switzerland • u/Decent_Confection_21 • 3d ago

Klinik Switzerland

Hi

Unfortunately I am in a situation were i need to check into a Klinik due to alcoholism and depression.

Iā€™m enquiring if anyone here has been through a similar experience and what was the cost of it.

Are health insurance companies easy to deal with regarding these problems or what is the general consensus.

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u/LightQueasy895 2d ago

it's going to be very costly. Health insurances only cover a tiny portion of it.

I think you're gonna be more depressed after the amount of debt you're getting into.

3

u/rainbow4enby 2d ago

Sorry - thats blatant misinformation on multiple levels.

Concerning cost & insurance: This is Switzerland! So, unless you go totally "private", or in a clinic that is nowhere on a cantonal list (and/or has no contract with a KVG insurer), it will only cost deductible (lump sum "franchise"), plus 10% until a max of 700 CHF/y and a small daily fee of 15 CHF (for food that you save, was the idea).

Most expensive to society and destructive (on self and inter-personal level) would be NOT getting professional help in time !!

-1

u/LightQueasy895 2d ago

nope, no misinformation at all.. here is a basic breakdown of the prices, for a total of $3620 from his pocket, which to me is a lot of money.

As a person who went through similar situations, dealing with insurances and knowing about the money I have to pay for getting a simple service, it's even more depressive.

Key Considerations:

  1. Basic Health Insurance (KVG): Covers inpatient psychiatric treatment costs at approved clinics, but only up to the standard rates.
  2. Deductible: The patient must pay the first CHF 2,500 annually for healthcare costs.
  3. Retention Fee (Co-Payment): After the deductible, the patient must pay 10% of additional costs, capped at CHF 700/year for adults.

Estimated Costs:

1. Daily Hospitalization Costs:

  • The daily rate for inpatient psychiatric care varies between CHF 400ā€“900, depending on the facility and the canton.
  • Basic insurance covers the cost of standard accommodations in a shared room.

2. Length of Stay:

  • Typical stays for such conditions might range from 2 to 8 weeks.
  • For a 4-week stay (28 days) at CHF 600/day (average):
    • Total cost = CHF 16,800

3. Out-of-Pocket Payment:

  • Deductible: You pay the first CHF 2,500.
  • Co-Payment: After meeting the deductible, you pay 10% of the remaining amount.
    • Remaining cost = CHF 16,800 - CHF 2,500 = CHF 14,300
    • Co-payment = 10% of CHF 14,300 = CHF 1,430, but capped at CHF 700.

4. Final Out-of-Pocket Cost:

  • Deductible = CHF 2,500
  • Co-payment = CHF 700
  • Food for 28 days at CHF 15 per day = 3620
  • Total: CHF 3620

3

u/rainbow4enby 2d ago

Ok, everything correctly stated & calculated.

But the biggest factor (2500.-) is based on your own choice - OP wrote they have a 300.- deductible.

Second: Your calculation applies also for any other in-patient treatment at a hospital; nobody would tell somebody with an appendicitis to stay at home, given the out-of-pocket co-pay...

I guess you really didn't make your statement with this intent - but thats how it sounded to me. I am sorry!