I searched the forums but couldn't find anything for my particular situation.

I'm here on a fellowship from the US to do research at the ETH. I am not technically an employee of the university. Because of this I qualified for insurance for people here on training from tradiconsult.com. (Great, btw, accident with a CHF 50,000 total bill, covered all of it).

The Krankenpflege-Grundversicherung sent me the info saying I needed to get insurance from Canton Zurich. I sent them my insurance info, along with a letter from my boss well within the 3 month time frame, so that was back in October.

Last week, I received a letter in the mail saying my application for exception to local insurance was denied (so almost 7 months later). WFT?? Does anybody have any experience with this? Am I going to have to back pay for the last 10 months, cause I don't have CHF 2500 laying around for this.