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Old 25.06.2013, 23:03
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anybody here who gets their health insurance covered by your employer?

Hi guys, i was wondering if anybody here has a situation where your employer fully covers your healthcare insurance?

Ive been made a job offer that im currently considering. one of the thing they are mentioning is: "Health Insurance premiums will be covered 100% by the company (but submitted to tax).
This means that your actual health insurance premiumswill be reimbursed to you or you can join the contract we have with Insurance company."

so, im still confused what it actually means for me. so if my basic monthly insurance premium is 350 CHF, does it mean they reimburse me 350 chf or how should i see that? anybody knows?

big thanks
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Old 25.06.2013, 23:09
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Re: anybody here who gets their health insurance covered by your employer?

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Hi guys, i was wondering if anybody here has a situation where your employer fully covers your healthcare insurance?

Ive been made a job offer that im currently considering. one of the thing they are mentioning is: "Health Insurance premiums will be covered 100% by the company (but submitted to tax).
This means that your actual health insurance premiumswill be reimbursed to you or you can join the contract we have with Insurance company."

so, im still confused what it actually means for me. so if my basic monthly insurance premium is 350 CHF, does it mean they reimburse me 350 chf or how should i see that? anybody knows?

big thanks
In my company it's like this:

The company has a collective contract with a health insurer, so you don't get to choose your insurance. But on the other hand the level of coverage is quite generous, so you have no cause to quibble. Mine includes dental insurance and some other niceties. Say the cost of this is 600 CHF per month. The company pays this directly to the insurer so you don't even see that money. But for the purpose of taxes and social deductions, it is considered part of your salary.

So say the insurance is worth 600 and your salary is 7000. Then the deductions are not calculated on the basis of 7000 but on the basis of 7600. It doesn't really make much difference but it can lead to confusion when reading your salary form. Similarly other freebies you get may also affect your social deductions in a similar way.
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Old 25.06.2013, 23:14
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Re: anybody here who gets their health insurance covered by your employer?

oh, i see, so it gets more clear now. so if my salary is 7000CHF per month, what is my tax then?

i did some calculations on comparis.ch, but its can't be true that im left over with so much cash maybe any idea whats the left over you get after 7000chf after uve paid ur taxes, pensions and all the stuff u r required to.
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Old 25.06.2013, 23:27
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Re: anybody here who gets their health insurance covered by your employer?

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oh, i see, so it gets more clear now. so if my salary is 7000CHF per month, what is my tax then?

i did some calculations on comparis.ch, but its can't be true that im left over with so much cash maybe any idea whats the left over you get after 7000chf after uve paid ur taxes, pensions and all the stuff u r required to.
That depends on many things, including your canton, your community, whether you're married, your assets. So quick fit tax estimations are often wrong by quite some margin. But on the basis of 7000 a month for 13 months, think in the ballpark of 12'500 for community and cantonal taxes plus 2'500 federal tax. This is on the basis of Zürich and assuming you're not married. I guess taxes in Lausanne are a bit higher, but don't know much about that.

(Legal disclaimers etc apply)
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Old 25.06.2013, 23:35
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Re: anybody here who gets their health insurance covered by your employer?

uh looks like i dont have a 13th month
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Old 26.06.2013, 22:32
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Re: anybody here who gets their health insurance covered by your employer?

Wow, I didn't know there are companies that offer some sort of a
deal on health insurance for employees. My company pays a little
bit extra every month that's itemized as "health insurance premium" on
the pay stub.

But really it's just cash that you can use for anything, including buying
health insurance on your own of course. It's all taxed as income
so that makes no difference to you. For the employer, I think they may
get some sort of a tax break for classifying this income as "health
insurance premium".

CaliforniaZRH
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Old 26.06.2013, 23:31
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Re: anybody here who gets their health insurance covered by your employer?

Even more lucky for those who get medical insurance paid by employer as part of package, is that pre-existing conditions will normally be taken on even for complimentary insurance (private or semi-private) - which is a real advantage, as such conditions are not normally accepted for any extra cover.
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Old 26.06.2013, 23:32
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Re: anybody here who gets their health insurance covered by your employer?

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Wow, I didn't know there are companies that offer some sort of a
deal on health insurance for employees. My company pays a little
bit extra every month that's itemized as "health insurance premium" on
the pay stub.


CaliforniaZRH
well, from what i understood its gonna be under "health insurance premium" on the payment list. but they wrote me that its covered 100% by the company (though subject to tax), so i assume its indeed 100%
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Old 26.06.2013, 23:46
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Re: anybody here who gets their health insurance covered by your employer?

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Even more lucky for those who get medical insurance paid by employer as part of package, is that pre-existing conditions will normally be taken on even for complimentary insurance (private or semi-private) - which is a real advantage, as such conditions are not normally accepted for any extra cover.

i think im missing out on this...what do you mean by part of the package? they told me 100% on basic and also complementary if i want to add. but does it make a difference?
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Old 27.06.2013, 11:31
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Re: anybody here who gets their health insurance covered by your employer?

Ooops,I don't understand what you don't understand

Swiss compulsory insurance is for basic insurance only. They can't turn you down for any pre-existing conditions for basic insurance. However, many people take 'complementary' insurance on top - that gives you more choice as to which specialist you consult, or which hospital you go to for an operation (apart from your local one- say because it has a better reputation, whatever). Other complementary insurance gives you a private room and pays for tv and telephone. Others include alternative therapies, like acupuncture or shiatsu, etc. All these complementaries can be individual add-ons of your choice. But if you have pre-existing conditions, the 'computer says NO'. SoI have a bad knee due to previous injury, I have Type 2 diabetes and a thyroid malfunction = no complementary insurance available for me- all insurances contacted when we arrived said NO. Yes to basic (by law), and NO to anything else.

So you are very lucky if bothy basic and complementaries are included in your package- very lucky because it will save you a fortune, and very lucky if you do have pre-exisiting condition/s as they should be accepted as part of the 'package agreement' your firm has with the insurance. Is that clearer (as mud)?.
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Old 27.06.2013, 11:46
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Re: anybody here who gets their health insurance covered by your employer?

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"Health Insurance premiums will be covered 100% by the company (but submitted to tax).This means that your actual health insurance premiumswill be reimbursed to you or you can join the contract we have with Insurance company."

my basic monthly insurance premium is 350 CHF, does it mean they reimburse me 350 chf or how should i see that? anybody knows?

As I understand it, you have a choice of either:
  • paying the 350chf a month yourself, and the company will reimburse you, or
  • Join the company contract, and they will pay on your behalf.
If you pay the 350chf a month, then you will have to submit for your reimbursement, and the 350chf will be added back onto your salary and you will be taxed accordingly.

If you join the company program, there is more than likely just one annual payment made by the company.... which is added to THAT monthly income statement, and taxed accordingly.

Either way you'll be taxed, but joining the company program means that you won't have to do any additional work.... just one month you'll be taxed a bit heavier than usual.



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i think im missing out on this...what do you mean by part of the package? they told me 100% on basic and also complementary if i want to add. but does it make a difference?
They say it's a "Package" because although they will pay you, the total value is still added to your annual taxable income.
It's not really a benefit.




Either way, I would strongly suggest you talk to your HR Department, and get them to explain to you exactly how this works.
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Old 28.06.2013, 02:11
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Re: anybody here who gets their health insurance covered by your employer?

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As I understand it, you have a choice of either:


They say it's a "Package" because although they will pay you, the total value is still added to your annual taxable income.
It's not really a benefit.

.
well, the HR lady told me indeed that this insurance amount is subject to the tax, so what it looks like is that although they claim to cover 100%, in reality they "subsidize" it for a part, while im still gonna be paying some from my "net" salary too, right?

but i guess there is not much i can do about it and its a standard procedure by the company or can i still be able to renegotiate something?
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Old 27.10.2015, 10:29
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Re: anybody here who gets their health insurance covered by your employer?

Hi All,

What happens if the social package includes paid health insurance and one joins the company in the middle of the year, when you can't actually change the insurance company. Do the companies usually compensate you the costs of the insurance by cash during the first year when you have to stick to your old insurance company?
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Old 27.10.2015, 10:33
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Re: anybody here who gets their health insurance covered by your employer?

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Hi All,

What happens if the social package includes paid health insurance and one joins the company in the middle of the year, when you can't actually change the insurance company. Do the companies usually compensate you the costs of the insurance by cash during the first year when you have to stick to your old insurance company?
I understand that company payed health insurance is an acceptable reason to cancel a previous insurance. I used to be with Assura before my company started paying my health insurance and Assura initially refused to accept that and kept on billing me so informed my new insurance and they must have talked to one another as Assura back-tracked fairly quickly and even refunded what I had overpayed.
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