Hi all
I'd like to resurrect this thread, the discussion didn't seem to come to a firm conclusion. I'm on the point of moving to Luzern and the VHI is quoting me €3000 per annum for a Global policy (family of five), which seems to be good value compared to the Swiss quotes I'm getting.
Other posters have suggested that you must buy Swiss insurance, can anyone point me to the specific legislative or regulatory provision (in German or in English) that requires you to have Swiss (as opposed to adequate) insurance?
A second question is does anyone know if the Swiss health insurance market features community rating and risk equalisation? If it does not, this might explain why the VHI is cheaper. I have been a member with them for 20 years and the Global policy is a product for those Paddies who are likely to be abroad only for a few years and will be coming back to regular VHI membership.