KLuG
Health insurance. The insurance with a personal touch.
Family brings about a life full of adventures and surprises. This means on one hand unearthly joy, on the other, it makes parents always face new challenges. Children’s illnesses, arguments, financial shortages or emergencies both at home and when travelling are only some examples. In many of these cases KLuG offers support. Diverse supplementary services, such as legal protection or children assistance in case of an illness, are included in the insurance.
This is the right moment to review your insurance situation for, upon a new life situation, the insurance very often needs change as well. It’s worth checking if, for instance, your hospital insurance still meets your requirements. We will willingly look through your personal insurance situation as we wish you to be insured the way you need to be. We are not interested in the maximum. We aim the optimum. What is important to know: within the family insurance there is an individual solution for every single person. The same insurance conditions apply for both, the children and the adults.
We are moving in together to live in the same household from now on. What should we consider for insurance coverage?
This is the right moment to review your insurance situation for, upon a new life situation, the insurance very often needs change as well. It’s worth checking if, for instance, your hospital insurance still meets your requirements. We will willingly look through your personal insurance situation as we wish you to be insured the way you need to be. We are not interested in the maximum. We aim the optimum. What is important to know: within the family insurance there is an individual solution for every single person. The same insurance conditions apply for both, the children and the adults.
Does the premium change once we move in together?
The premium can change depending on the place where your new house is situated. The basic insurance premiums are graded with respect to region and canton. The supplementary insurance premiums differ from canton to canton.
Please let us know about your new address immediately after moving houses.
With supplementary insurances upon moving in together you can benefit from various discounts:
With a family insurance people living under the same roof can benefit from attractive premium discounts from 5 % to 10% for supplementary insurances. It does not matter whether you are married, are a family, a cohabiting couple or remain in any sort of a flat-sharing community. The only thing that counts is a common residential address. The contract is bound to a single account. There is only one correspondence and billing address which contains the name of a person responsible for payments. If one of the people moves out, he or she has to withdraw from the collective agreement. In addition, for every single family member an insurance solution can be personalized.
Children get ill now and then – take it for granted. When first symptoms become noticeable it often regards a typical children’s illness. Almost every child goes through it. Pay attention to the symptoms. It will be the clue of which illness they concern. Depending on a given situation your child will need medical help. Insured by KLuG are offered free medical consultations and can therefore utilize services of the Swiss Telemedicine Centre “Medgate”, either by telephone or via Internet. Just when you are not sure how to read your child’s medical condition, or what the symptoms mean, a talk with a doctor can sort out your worries. What’s more, Medgate is reachable twenty-four-seven within the country, that is, also in the middle of the night.
When your child is ill for a longer period of time and you have to go back to work this is when you need the support of a caregiver. With a proper supplementary hospital insurance you are entitled to professional KidsCare. A qualified professional supervises and takes care after your ill child during your absence due to occupational duties. You can reach KidsCare at +41 43 340 16 25. Twenty-four-seven, 365 days per year.
KidsCare (Children’s assistance)
HOSPITAL ECO
30 hours per year
HOSPITAL Semi-Private
60 hours per year
HOSPITAL PLUS
60 hours per year
HOSPITAL Private
120 hours per year
HOSPITAL COMFORT
90 hours per year
HOSPITAL PLUS CLASSICA
80 hours per year
HOSPITAL COMFORT CLASSICA
110 hours per year
As soon as the milk teeth have fallen out, the adult ones growing beneath show up immediately. It is highly recommended to pay attention to the teeth alignment, and, in case of any possible abnormalities, look for a dentist or orthodontist. Dental treatments will generally not be undertaken by the basic insurance. That is why it is very important to arrange a supplementary insurance for your child on time; an insurance which would cover these services.
For the correction of tooth displacement, for instance braces, you get a contribution from your child’s supplementary insurances TOP and COMPLETA until the age of 20. Afterwards you will need a supplementary insurance DentaPlus.
TOP
75% up to CHF 10'000.– per year
COMPLETA
75% up to CHF 10'000.– per year
DENTAplus
25% up to a maximum of the chosen version per year
In case you have arranged a supplementary insurance DENTAplus you receive contributions for tooth cleaning, cavity filling and radiographs. In certain cases, on the basis of a given disorder you will get a contribution for dental treatment also from your basic insurance.
During conflicts with neighbours or suppliers, at arguments while on the road, at school or in any other public space it’s worth trying to resolve issues through dialogue. Successful settlement spares you a lot of anger, expenses and time. And yet, it is not always possible to eliminate quarrels in a peaceful way. At times the situation grows out of proportions leading as such to a lawsuit. If one is a target of criminal attacks one must above all fight for their rights.
KLuG’s offer of legal protection procures complete coverage of the needs of a family, a couple as well as of singles. Supplementary insurances TOP and COMPLETA already comprise legal protection services. The above is supplemented with a reasonably priced insurance for private- and motor legal protection KLuG Advocare PLUS.
Premium reduction
The cantons grant individual premium reductions to people on a low income. In general, this support is not automatic and is managed differently depending on the canton. It’s worth asking at your local community or at a compensation fund office in charge whether you are entitled thereto.
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