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HEALTH

Swiss top European skin cancer league

Switzerland holds the record for the highest number of new cases of skin melanoma per year in Europe, according to the latest figures,

 

The Federal Office for Statistics has reported that 2,000 new cases of skin melanoma are recorded each year in Switzerland, making it the fourth most common cancer in the country, newspaper Tribune de Genève reported.

According to the European Institute of Cancer Research, the number of new cases per year is so high that Switzerland has now topped the European rankings.

The number of cases reported has risen from 13 per 100,000 women during 1984-1988 to 21 per 100,000 from 2004-2008. For men, that number has risen even more from 13.7 to 23.5 per 100,000.

It is worthy of note that the number of cases reported represents those diagnosed at an early stage of development, before the cancer has really been able to spread.

The number of cases diagnosed at a later stage of development remained stable, at 7 percent of cases for women and 10 per cent of cases for men.

There are two potential explanations for the increase, Dr. Gürkan Kaya, head of the Dermatopathology Unit at the University Hospital of Geneva, told the newspaper. First, it is possible that the number of instances has in fact risen, he said.

An alternative, and more likely explanation according to Dr. Kaya, is that doctors and individuals are becoming more alive to the dangers of over-exposure to the sun. This is resulting in a greater number of checkups, which in turn means more melanomas are being picked up in the early stages.

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HEALTH INSURANCE

What isn’t covered by Switzerland’s compulsory health insurance?

Switzerland’s basic health insurance is among the most expensive in the world, but there are certain services it doesn’t pay for. Here are some of the benefits the scheme won’t cover in full.

What isn't covered by Switzerland’s compulsory health insurance?

Basic insurance — KVG in German and LaMal in French and Italian —  is compulsory in Switzerland. It doesn’t come cheap, but it is quite comprehensive and includes coverage for illness, medications, tests, maternity, physical therapy, preventive care, and many other treatments.

It also covers accidents for those who do not have accident insurance through their workplace.

Basically, whatever the doctor orders is covered by KVG / LaMal, at least partially.

READ MORE: Everything you need to know about health insurance in Switzerland

However, there are some treatments the basic insurance won’t pay for.

Experimental treatments

Any experimental treatments or drugs — that is, those not approved by the Swissmedic regulatory agency or the Federal Office of Public Health (FOPH) will not be covered.

This exclusion is not specifically Swiss; insurance schemes is most countries won’t cover unauthorised medical treatment either.

Dental care

In most cases, services such as teeth cleaning, dental fillings, root canals, tooth extractions, and orthodontic braces, are not included under basic insurance.

The only exceptions, according to the Federal Office of Public Health (FOPH), are dental interventions “necessitated by a serious disorder of the masticatory system, or if such treatment is required to support and ensure the success of medical treatment for a severe general disorder (e.g. leukaemia, heart-valve replacement)”.

Most dental treatments are not covered. Photo by Pixabay

Eyeglasses and contact lenses

Compulsory health insurance will contribute up to 180 francs per year towards glasses and contact lenses prescribed by an ophthalmologist for children up to the age of 18.

No such benefit exist for adults. However, “in the case of serious visual impairment or certain illnesses (e.g. disease-related refraction abnormalities, postoperative alterations or corneal disease), compulsory health insurance will, regardless of age, make higher contributions towards medically prescribed spectacle and contact lenses”, FOPH says.

READ MORE: Reader question: Can Swiss health insurance exclude me if I have pre-existing conditions?

Ambulance

Emergency vehicles that transport you to a hospital can be quite expensive — depending on the canton, the costs can range from 900 to 2,000 francs per trip. 

Basic health insurance will contribute a certain amount  to the cost of emergency transportation, but only if it is a medical necessity — a serious accident, an illness, or a life-threatening situation. But if the patient could have travelled by private car or public transport, basic health insurance policies will pay nothing.

Insurance will cover some of the cost of ambulance transport only in emergency. Photo by Fabrice COFFRINI / AFP

Private hospital room

While the cost of your hospitalisation will be fully covered, the basic insurance does not pay for a private room.

You will be accommodated in a room with other patients.

Depending on a medical facility — whether it’s a small hospital or a large, university medical centre, you could end up with just one other person or possibly four or five, the latter being common in teaching hospitals.

If you insist on a private accommodation, you will have to pay for it out of your own pocket.

Reader question: Can Swiss health insurance exclude me if I have pre-existing conditions?

Vaccines

Immunisations outlined by FOPH  will be paid for by insurance, as will the Covid vaccine.

Not covered, however, are travel-related vaccinations or preventive measures, such as against yellow fever or malaria.

Treatment abroad

Outside Switzerland, only emergency care is covered  — double the amount that the same treatment would cost in Switzerland.

Usually, basic health insurance will not cover transportation costs back to Switzerland, except in case of emergency, when it will cover 50 percent of the total cost of transportation to the nearest hospital abroad — but no more than 500 francs per year. 

If you only have a basic insurance policy and travel abroad often, especially to the United States, you should take out a travel insurance that will cover you for illness and accidents in foreign countries above and beyond what your Swiss carrier will pay.

And if you want to upgrade your treatment options, consider taking out a supplemental insurance or, if you can afford it, private one.

READ MORE: Should you buy supplemental health insurance in Switzerland?

You can find out more about what KVG / LaMal will and will not cover here.

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