How to get the best dental insurance in Zurich
Zurich, Switzerland — It is a city famous for its restaurants, museums and shopping.
It also has one of the world’s highest rates of car accidents.
And yet, for the better part of a decade, insurance companies in Zurich have been able to offer far better value than the average.
“They are trying to be really efficient,” says Peter Böttcher, a spokesman for Zurich Insurance, one of several insurance companies that offer dental coverage in the Swiss city.
“They are very efficient and very efficient at how they’re delivering care.”
According to Bötcher, Zurich has one the best rates in the world for dental care.
“It’s a great rate, with the lowest premiums and the best coverage,” he says.
“There are a lot of good insurance companies there, but they have a lot to do with being able to pay a lot less, which is really good.”
Bötchers comments echo what many insurers have told HuffPost in recent years.
The company that has the lowest dental insurance rates in Switzerland, SwissHealth, is the largest of the major insurers in Zurich, which offers a wide variety of insurance plans, according to a recent Reuters article.
The other major insurers are Aon and Zurich HealthCare, which together have a combined 3,000 dental practices and 3,500 dental doctors in the city.
While some of these insurance companies offer lower premiums than their competitors, Böscher says the average dental insurance rate in Zurich is about 15% lower than in the rest of Switzerland.
“We are looking at about 50% below the average for other insurance companies,” he adds.
The best dental coverage available in Zurich Zurich has a wide array of plans, ranging from the cheapest, the most expensive, and the most comprehensive.
For the average person, these are generally the basic options.
But for some people, they offer even more coverage, and many offer even higher premiums.
“I don’t think the average Swiss has ever really been able see any difference,” Böntcher says.
“It’s not that you have no insurance, it’s just not as high as it would be in other places.”
The best insurance plans in ZurichThe cheapest insurance plans offered in Zurich are the least expensive, but these are not the only plans offered.
Most insurers in the area offer policies with premiums between 10% and 20% lower, according the Reuters article, but there are some exceptions.
One of the more notable is Aon Insurance, which charges premiums of about 15%.
“It was a great idea when we started,” Bostrom says.
But over the past few years, he says, the company’s policies have become increasingly expensive, due to its reliance on foreign companies.
“A lot of our competitors are really cheap, and we have to pay our own costs,” he explains.
“I think that the cost of the policy really drove us out of business.”
Another insurer, ZurichHealthCare, is a subsidiary of the insurance giant Zurich Insurance.
It has more than 7,000 doctors, dental technicians, and other medical staff in the region, and offers insurance to those with dental coverage.
The average policy in ZurichHospitality, Zurich Health and Aon insurance are the three insurers that offer the best overall dental insurance coverage in Zurich.
“You can expect to pay more than the national average,” Bode says.
But even the cheapest insurance in the country, Zurich Insurance’s standard policy, is often priced significantly above the average, Bode estimates.
For example, a standard Zurich policy costs about $6,400.
A standard Aon policy costs roughly $9,000.
Bode says that while many of the policies offered by Zurich Insurance are comparable to what you’d pay in other parts of the country — in most cases, insurance rates are lower — they’re still much higher than what you might pay in most other countries.
“The main difference between our policies is that our policy is for people who are older,” Bodney explains.
“When you have that much money in the system, you can afford a policy that is cheaper than a standard AON plan.”
In general, insurers generally charge a lower premium for policies with a lower deductible, and lower premiums for policies that cover lower medical costs.
However, Bodneys insurers also offer a higher amount of dental care than other insurers, which Bode claims makes their policies more expensive.
“That’s why the average premium for a standard Swiss policy is more than double what you would pay in a standard United States policy,” he tells HuffPost.
“You are paying for the whole life, and not just a small part.”
It’s important to note that some of the best insurance in Switzerland comes at the very top of the market.
In fact, there are at least six insurers in Switzerland that are the most popular insurers in terms of total dental coverage, according Bode.
The highest rated insurance company in Switzerland is Aona Insurance,