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HEALTH

Homeless taste ‘luxury’ at Geneva hotel during coronavirus pandemic

Sofiane Rahmani can hardly believe his luck. After several years of living on the street and bouncing between shelters, he now has his own hotel room, personal bathroom and all meals provided.

Homeless taste 'luxury' at Geneva hotel during coronavirus pandemic
Photo: FABRICE COFFRINI / AFP

“It's true luxury,” the 16-year-old Algerian illegal migrant told AFP at the three-star Bel Esperance Hotel in Geneva.

Last month, as the hotel faced a cascade of cancellations, it decided to turn over the entire establishment to house homeless women and youths and help get them off the streets during the COVID-19 pandemic.

At the hotel in the heart of Geneva's Old City, 20 rooms have been provided to homeless women, while 11 have been given to unaccompanied minors like Rahmani who have no access to seeking asylum in Switzerland.

“It happened fairly naturally,” hotel director Alain Meuwly told AFP, sitting in the breakfast room, where tables have been spaced far apart and equipped with only one chair each.

When Switzerland began cancelling all public events and closing restaurants and shops to halt the spread of the virus in early March, “more than 90 percent of our bookings were cancelled,” he said.

The hotel, a profit-driven business run by the Salvation Army, was empty. At the same time colleagues within the Christian charity told him they were looking for safe ways to house some of the estimated 1,000 homeless people in Geneva.

Photo: FABRICE COFFRINI / AFP

 

Good for business 

Switzerland, which to date has reported nearly 28,000 confirmed COVID-19 cases and more than 1,100 deaths, does not have a national policy against homelessness, with each of the confederation's 26 cantons implementing their own approaches.

In Geneva, the Salvation Army and other organisations have long provided emergency overnight shelters with a few dozen beds, but never before anything with 24-hour service.

Meuwly said the transformation process was quite simple.

The hotel's regular staff were all placed on temporary unemployment, and a team of social workers were brought in to accommodate the new residents, who will be allowed to stay until June 1.

The dining area was spaced out, masks and disinfectant were provided and only one person was permitted per room.

“Since this is a slightly different clientele we removed some gadgets that you would usually find in a three-star hotel room, like tablets and coffee-makers,” Meuwly acknowledged, stressing that the “comfort level is the same.”

“There are the same beds and bedding, TVs, and especially wifi. That is something everyone really seems to appreciate.”

Ironically, the building served for more than 60 years as a shelter for vulnerable women, but in 1996 it was transformed into a hotel, which today offers elegant, plush rooms that during the high season can go for up to 600 Swiss francs ($620, 570 euros) a night.

Meuwly said he was not worried that housing the homeless might harm business once the crisis ends.

“Not at all,” he said, adding that he had received numerous messages from regular customers congratulating him for the initiative and asking how they could help.

“I think it could even be an asset to the business.” 

'Total comfort'

Rahmani is certainly happy with the arrangement. After making a treacherous boat crossing from Algeria to Spain three years ago, making his way to the streets of Paris, and finally to Geneva last month, he said hotel life was “total comfort.”

“We don't have to think about food, we don't have to worry where to sleep, or if we will be cold,” he said.

“I'd like to stay here forever.”

Geneva provides migrants who are unaccompanied minors with special provisions, often officially registering them with organisations and giving access to food and shelter.

Hafida Marsli, a 42-year-old woman who made her way from Morocco to Switzerland a decade ago in search of a better life only to eventually find herself homeless in Geneva, agreed.

“It is really good here,” she told AFP, adjusting her headscarf.

“It's all good.” Valerie Spagna, who heads the Salvation Army's night shelter programme for the homeless in Geneva, said there was a world of difference from the regular shelters, where people can enter in the evening to sleep in large dormitories or shared rooms, and have to leave early in the morning.

At the hotel, “they can finally relax, take care of themselves, sleep as long as they want,” she told AFP. “They have finally gotten a small taste of a more normal life.”

She said what she feared most now was “the return to reality” once the homeless residents are asked to leave on June 1.

“They are going to have to go back to real life at some point,” she said.

“It is going to hurt.”

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HEALTH

How you can save money on healthcare in Switzerland

Between insurance premiums and over-priced drugs and other costs, healthcare in Switzerland comes at a steep price. Clare O'Dea looks at why the costs are so high and some of the ways you can save money.

How you can save money on healthcare in Switzerland

On the surface, the Swiss healthcare provision model looks egalitarian. All residents are obliged by law to purchase the same basic package of insurance, and the premiums are subsidised for those on low incomes. So why is cost such a bone of contention?

The problem is that the healthcare itself is very expensive, the second most expensive system in the world after the United States. And most of the cost is shouldered by households one way or another. This hurts those on low to middle incomes the most.

Between health insurance premiums, out-of-pocket expenses and over-priced drugs, households are spending a significant chunk of their income on health. Amazingly, Swiss residents fund 59 per cent of the national expenditure on health, according to the Federal Office for Public Health figures for 2020. The rest comes from state coffers, and, to a small extent, from employers.

To bring it down to an individual level, Swiss residents shell out 478 francs per person per month on health costs. Compulsory health insurance premiums account for 252 francs of that total on average. The rest goes on supplementary (top-up) health insurance premiums (42 francs), co-payment on policies plus out-of-pocket expenses (174 francs) and ‘other funding’ (10).

Politicians across the spectrum seem to be incapable of doing anything to curb health inflation. The latest is that health insurance premiums are set to increase by 8.7 per cent in 2024. That’s not a projection but a fact, as announced by the health minister in September.

KEY POINTS: What you need to know about Switzerland’s health insurance price hikes

Public purse

The worst thing would be to miss out on your entitlements. To find out if you qualify for premium subsidies, you’ll have to go through your home canton. Each canton has its own reduction rates and rules on eligibility. In some, there are systems in place to identify and notify eligible people but in others, you have to check and apply yourself.

This possibility is definitely worth looking into if you think you might be eligible – around a quarter of the population qualify for these payments. In some cantons, the proportion of recipients is higher. Moneyland.ch has put together a list of the contact information for premium reductions in each canton.

Take the initiative

Generally speaking, to save money on healthcare costs, the insured have to take the initiative themselves. New arrivals to Switzerland are required to take out a policy within three months, and should definitely shop around. Pricing comparison websites such as moneyland.ch , comparis.ch and Priminfo (in the national languages only) help to cut through the noise and find the best deal for your individual circumstances.

Age and location are important criteria. There are infinite tiny pricing variations between the 40+ non-profit insurers (known as “Krankenkasse”, “caisse maladie” or “cassa malati”), which means you may even find a better deal by buying policies from different insurers for different members of the family.

For those who already have a policy, it makes sense to do an annual price check up when the following year’s rates are announced in the autumn. Chopping and changing, which everyone has a right to do once a year, can really pay off.

The window for changing providers has just closed but you can be ready to notify your current provider by November 30th next year. Handily, the comparison websites also provide template letters for cancelling a policy.

READ ALSO: Which Swiss health insurance providers have the lowest rates in 2024?

Different models

Even if you decide to stay with the same insurer, you can obviously change the type of policy to a cheaper version. The so-called standard model is the most expensive. Under this arrangement, you decide which doctor you’d like to see, including specialists, and make appointments when you feel the need. 

There are other cheaper managed care models which are designed to cut down on unnecessary visits to the doctor. With these, you have to have a telemedicine consultation or visit a pharmacy before you get the green light to make an appointment with a doctor. There is another model where you have to see your general practitioner to get a referral to a specialist.

Calculations

The best way to save overall is to get clever with your deductible. That’s the share of medical expenses that you have to pay from your own pocket in the space of the year before your insurer starts reimbursing. The lower the deductible, the higher the premium.

Making the right choice involves a certain risk. But it is at least possible to make an educated guess based on past experience. There are several bands between 300 and 2,500 francs per year for deductibles (the amounts are lower for children).

If you tend not to need medical care and think your health costs are likely to be low in the coming year, it would make sense to go for the maximum deductible, which can translate into a saving up around 40 per cent on premiums. If you have reason to believe your bills will add up to 2,000 francs or more, then you’re better off going for the minimum deductible.

Don’t double up

That’s all speaking about the mandatory insurance package, which includes illness, accident and maternity care. But make sure you really need that accident insurance. Anyone who is employed for more than 8 hours per week is covered by their employer’s accident insurance, in which case it should be removed from their personal policy.

If you are looking to save money on health insurance, chances are you won’t be looking for additional insurance, also known as supplementary insurance. These policies give you more freedom over choice of hospital, and also cover therapies and treatments that are not included in the basic mandatory package. You can have both policies from the same provider or mix and match.

Though it can be irritating to hear this, especially if you already have a health condition, there is one final way that you can save on health costs – don’t get sick. What this advice really means is to lead a healthy lifestyle by taking exercise, eating a balanced diet, not consuming too much alcohol and cutting out smoking. Those are things we have control over, unlike genetics and luck.

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