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# 1. Choose an optional franchise.
Health insurance in Switzerland, which we will call Lamal in the following, allows you to take several levels of deductible. A deductible is an amount that you decide to pay yourself. And the more considerable this amount, the more the health insurance fund will allow you to reduce this amount. Between the highest deductible (2,500 CHF) and the lowest (300 CHF), the premium difference is around, and on average, just over 100 Swiss francs per month.
However, taking a deductible is not entirely trivial because it means that in the event of a significant health problem, the patient will have to pay 2,500 CHF out of his pocket, to which will be added the maximum 700 francs of co-payment (contribution to costs), which represents a significant amount. Therefore, a person who makes this choice must have the means to pay such a sum. In general, people who are in good- health choose the highest deductible (CHF 2,500).
# 2. Choose to be treated remotely.
In recent years, health insurance companies have offered their policyholders to call a medical center that will then refer them, depending on the pre-diagnosis established remotely, to a doctor or not. This model, called Telemedicine, allows you to reduce your premium by up to 20%. The disadvantage of this- model is that according to the health insurance, the patient should follow the recommendations made to him. In some cases, the doctor and the pharmacy may be imposed on him.
# 3. Adopt the doctor imposed by the health insurance fund.
Some health funds offer insured persons a reduction of around 15% in the health insurance premium to choose their family doctor from a list of doctors. Thus, for people who arrive in Switzerland or who are not very sick, it is not very restrictive and allows to reduce their health insurance budget.
For the others, and in particular, the people who are already there and followed, it is more complicated. The HMO (healthcare network) model is a less restrictive alternative that consists of consulting a doctor from a list of professionals belonging to a network approved by the health insurance fund.
# 4. Optimize your franchise.
There are several deductible levels, and these must be tailored to the patient’s “consumption” in terms of health care. To find out exactly what a patient can expect in terms of costs, the FRC provides a Deductible calculator.
# 5. Choose the cheapest health insurance.
This last tip will probably seem obvious, but it is not apparent for people who do not know how health insurance works in Switzerland. Concretely, the cover offered by the different health funds is precisely the same, even though the premium amounts vary significantly from one fund to another.
The reason? Some health insurance companies offer third-party payment, for example, or quickly reimburse care. Also, if you have no special needs or hardly ever see the doctor, it is advisable to take out the cheapest health insurance, which is not among the most expensive.
healthy Teeth, dentist’s five tips for you
By eating and cleaning your teeth properly, you prevent the most common dental problems, which usually worsen with age, and increase your chances of a healthy teeth for life. Here are the dentist’s five tips on how to keep your mouth healthy.
1. Floss
Most people are pretty good at brushing their teeth and do it twice a day which keeps the visible parts of the teeth clean. The problems, therefore, often arise between the teeth where we neglect the cleaning. In addition, using dental floss daily reduces the risk of cavities in the teeth. Still, it is also an effective way to remove plaque that can otherwise cause inflammation of the gums and lead to tooth loss, a disease that affects every other person over 50.
2. Regular dental visits
Not many people go to the dentist for fun and often go there only when they have problems with their teeth. It is then more intelligent to go to a dentist and dental hygienist to avoid the issues rather than fix them. An annual visit to both a dentist and a dental hygienist helps you to keep your teeth clean, even in places where you have black to reach. In addition, dental care allows you to detect the problems in time before you start to suffer from them and before they require expensive procedures. Going to the dentist can thus save you both money and suffering.
3. Eat the right food
Food affects your entire health, and teeth are, of course, no exception. Sugar is, for example, the favorite food for oral bacteria, and when they break down the sugar, an acid is formed in the mouth, which damages the enamel and causes cavities in the teeth. Sweet and sour drinks such as soft drinks and juices are extra bad because the acid in the glass itself also erodes the teeth. Combining acidic foods with, for example, dairy products containing calcium helps neutralize the harmful acids. Our saliva also neutralizes the acid, and therefore it is good to eat food that must be adequately chewed because it increases saliva production.
4. Eat right
For your saliva to have a chance to neutralize the acid that corrodes holes in the teeth, it needs time to work. Therefore, you should avoid snacking because it starts acid production and does not give the mouth time to recover. Trying to eat regularly and only on three occasions a day is, therefore, suitable for your dental health. You can also chew a sugar-free chewing gum after a meal to help saliva production and speed up the neutralization of acids.
5. Quit smoking and snuff
Suns and cigarettes affect your mouth in several ways. The first thing many people notice is that their teeth become discolored and that their breathing gets worse. In addition, studies have shown a clear link between tobacco and cancer of the oral cavity. Both cigarettes and sun’s also harm the gums. Smokers, for example, are three to five times more likely to suffer from tooth loss.
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