05.07.2007, 20:06
|
 | Forum Veteran | | Join Date: May 2007 Location: Blonay
Posts: 1,627
Groaned at 5 Times in 5 Posts
Thanked 811 Times in 431 Posts
| |
| Re: VHI global (Irish health insurance) [experience with? approved?]
| Quote: | |  | | | I have been using VHI global as my health insurance here for the last 2 years, So far it has been ok but I haven't relied on it for anything yet. I would imagine since its a global policy and Switzerland plays ball (at least a little) with the EU these days, that you might be able to argue that based on Switzerland being EEA and there is free movement etc that we should be allowed to use our national insurer. I would say go with Global until the force you to change... ...and even if they try to force you still argue your case. The coverage fulfills Swiss requirements, the one place where you may lose out though is on GP fees. | | | | | Sorry but your policy does not meet Swiss requirements and you are in an illegal situation. I’ve explained in my previous posting why you can’t use your national insurer. Should this come to light you could be required to pay for a proper policy back dated to your entry into the country with, perhaps, a 3 month allowance. All the health providers operate under a system called TarMed which lists the price of all medical procedures. A bill is produced and sent electronically to the Swiss insurer who settles it and then charges you for any franchise (deductable) or other contribution. If you have a small medical situation you could pay the doctor and pharmacy cash and claim it back from your Irish policy but, if you were hospitalised you would be in trouble. Your problem is now that if you apply to a Swiss insurer you will have to produce your permit and that it going to show your date of arrival.
 |