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Old 07.11.2009, 20:12
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European Health Insurance Card in switzerland

Hi!

I have a question regarding the European Health Insurance Card:
(obtained from the UK)
I saw it can be used in Switzerland.(as per the official infos). (if you are not resident here)


But can I use it anywhere in Lausanne?

I am from UK, have a UK European Health Insurance Card, and currently staying in a hotel in Lausanne.


Basically, I am holding a flu since quite a while, and today I collapsed in a shoe shop in Lausanne!! after I had nausea, headache, vertigoes, sweat, and cold/hot, for 10-20 min.

I got some medicine from the pharmacy who gave me some stuff to lower fever, then I was "ok" the rest of the day, until now...

I'd better check all that but I don't have any swiss insurance yet as I am new (6 days only, so far).

Thanks!
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Old 07.11.2009, 20:24
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Re: European Health Insurance Card in switzerland

Don't worry about these details. First of all, if you present yourself to any emergency with high fever, etc, they're going to care for you. If you're collapsing from flu, you should get yourself to some sort of care.... high temp in an adult is dangerous. Go to the hospital, call a doctor, do something, please.

My father in law went to the hospital with shortness of breath over the summer - he went to a small local hospital near Bern. He's from the netherlands. He was covered.

And once your swiss coverage is in force, that might cover you - once you select your insurance, you're covered in retrospect from arrival. But the UK stuff is probably ok.
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Old 07.11.2009, 20:27
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Re: European Health Insurance Card in switzerland

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Don't worry about these details. First of all, if you present yourself to any emergency with high fever, etc, they're going to care for you. If you're collapsing from flu, you should get yourself to some sort of care.... high temp in an adult is dangerous. Go to the hospital, call a doctor, do something, please.

My father in law went to the hospital with shortness of breath over the summer - he went to a small local hospital near Bern. He's from the netherlands. He was covered.

And once your swiss coverage is in force, that might cover you - once you select your insurance, you're covered in retrospect from arrival. But the UK stuff is probably ok.
Thanks! looks silly but I was scared for money, so when the shop lady asked me to call ambulance I said no...

I'm just out of 6months unemployment, its not the time to get debts for me!

I'll ask my gf mum tongith, she is dentist, she knows doctor's stuffs...

Thanks anyway, I'll try to visit a doctor on Monday! if I feel bad again i'll call emergencies!
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Old 07.11.2009, 22:11
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Re: European Health Insurance Card in switzerland

do you work here? is your residence permit on its way?
then you'll obligated to have a swiss insurance from the day your permit says -> which will be the day you arrived.
a guy i know arrived a yer ago, started to work, got into hospital after 1 week, and stayed there at least a month, went through some operations... he didn't have any papers yet... he was visited by an insurance advisor in the hoospital helping him to choose the most suitable insurance (which was definitely the one with 300 chf franchise). and he was covered from the day he arrived.
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Old 28.07.2011, 23:29
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Re: European Health Insurance Card in switzerland

I see that the initial post is a few years old, but I have the same question about the European health insurance card...Does anybody know what it covers? I looked it up, but the language is so confusing.I'm curious to hear from somebody who has actually used it in Switzerland. Is it similar to what a Swiss insurance would cover?

Thanks!
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Old 03.08.2011, 00:44
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Re: European Health Insurance Card in switzerland

As far as I'm aware, it covers the person to the same degree that a local of the country would be covered. For example, if a UK person was in an accident in Switzerland and taken to hospital by ambulance, things like the hospital (non-private room), tests, x-rays, treatments, etc would be covered because these are covered under the Swiss mandatory basic insurance. These costs would therefore be reimbursed by the NHS (not sure on the mechanism or timings of this).

The ambulance, on the other hand, wouldn't be covered, because to get 'free' ambulance transfer here you would need to have purchased a supplementary, voluntary insurance.

I recall reading that if you're in hospital in Spain then the food is not included, as it's expected that family members will supply meals to you.

So, in summary as to what it covers, it will change from country to country depending on where you were taken ill. It's not about which country you come from and what you'd get there from your local health service. This is often a shock to those from the UK, who're used to an entirely free at the point of use, all-encompassing system.

On a slightly separate note, I was very pleased to discover that my Swiss health insurance includes cover for the US for trips up to, can't quite recall, 8 or 10 weeks. Again, it's capped at 'what would we do for that condition in Switzerland and how much would it cost here?', but the prices I'm heard people mention seem comparable with Swiss costs anyway.
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Old 18.05.2014, 23:12
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Re: European Health Insurance Card in switzerland

I would like to refresh this post.

I have EHIC issued in Ireland. I'm going to Switzerland with my wife but will remain employed in Ireland and I will continue to work remotely. My question is: am I covered by this document for emergencies only or for other outpatient/inpatient illnesses as well? What about GP visit?

Thanks for the answer.
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Old 18.05.2014, 23:14
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Re: European Health Insurance Card in switzerland

How long will you be staying? Just a holiday or will you be resident in Switzerland? Where will you be paying taxes?

EHIC is for emergency treatment only.
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Old 18.05.2014, 23:15
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Re: European Health Insurance Card in switzerland

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How long will you be staying? Just a holiday or will you be resident in Switzerland? Where will you be paying taxes?
We will stay 2 years at least. I will be paying taxes in Ireland I think...How else can it be done? I will be employed by my university.
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Old 18.05.2014, 23:17
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Re: European Health Insurance Card in switzerland

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I would like to refresh this post.

I have EHIC issued in Ireland. I'm going to Switzerland with my wife but will remain employed in Ireland and I will continue to work remotely. My question is: am I covered by this document for emergencies only or for other outpatient/inpatient illnesses as well? What about GP visit?

Thanks for the answer.
Where will you be resident? If you are resident here then you'll have to get Swiss health insurance irrespective of where your employer is based.

Edit: a two year stay means you will have to take out Swiss insurance. The EHIC won't cover you to live here for that length if time, it really us just designed to cover emergency treatment for holidays and short stays.
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Old 18.05.2014, 23:17
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Re: European Health Insurance Card in switzerland

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Where will you be resident? If you are resident here then you'll have to get Swiss health insurance irrespective of where your employer is based.
What is meant by a residency in Switzerland?
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  #12  
Old 18.05.2014, 23:20
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Re: European Health Insurance Card in switzerland

From what I can gather, is 91 days and over in Switzerland. If you live here, you'll have to register with the Commune/Gemeinde where you live- and then take out health insurance (+ accident which is separate, but not much more)- if you don't, you will be automatically allocated one, and not necessarily the one you would choose, so be careful- this is backdated to date of entry, eg from month of entry (if you arrive on 30th of July, you pay from 1st of July). You have 3 months to arrange insurance, but it has to be back dated. Some people come on holiday first, and then register- not sure how that works.
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Old 18.05.2014, 23:23
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Re: European Health Insurance Card in switzerland

And if you're staying for two years then I assume you will be renting a flat to live in so you will have to register with your local commune within 8 days of your arrival to get your residents permit.
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Old 18.05.2014, 23:28
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Re: European Health Insurance Card in switzerland

Of course you cannot live here for 2 years without being a resident. You need a resident permit to (legally) rent a place. As soon as you get the resident permit you must select an insurance within 3 months (you will start paying from the first day of the month you officially arrived though).
In your case you can probably buy one of those insurances for students or visiting prof (if accepted by your local city authorities). It would cost around 100 CHF per month (i.e. ~1/4 of the typical Swiss Health Insurance) but I am not sure you will get any refund.....
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Old 18.05.2014, 23:34
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Re: European Health Insurance Card in switzerland

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Of course you cannot live here for 2 years without being a resident. You need a resident permit to (legally) rent a place. As soon as you get the resident permit you must select an insurance within 3 months (you will start paying from the first day of the month you officially arrived though).
In your case you can probably buy one of those insurances for students or visiting prof (if accepted by your local city authorities). It would cost around 100 CHF per month (i.e. ~1/4 of the typical Swiss Health Insurance) but I am not sure you will get any refund.....
The place will be rented by my wife as it is her who will have a work agreement with EPFL. As I understand so far I cannot use EHIC there, at least not for outpatient treatments. Is that correct? Also, is it possible to get covered together with my wife but not to double her premium? What I mean is: is it possible to pay a small supplement to her insurance to get basic cover in Switzerland for me?

And another thing: is it possible to get covered by a company outside of Switzerland which covers everything in Europe, including CH? Like http://www.cignaglobal.com/
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Old 18.05.2014, 23:46
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Re: European Health Insurance Card in switzerland

My company provides Cigna but we also have a local insurance to comply with the Swiss law.
You cannot get any coverage through your wife, just paying a small additional amount. As far as I know you don't get family health insurance policy. Each family member is insured independently. To get an idea of health insurance prices you can have a look at this web site: www.comparis.ch

Good luck
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Old 18.05.2014, 23:53
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Re: European Health Insurance Card in switzerland

I understand you are moving to Lausanne. Please have a look at this link:

http://www.vd.ch/themes/social/prest...rance-maladie/
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Old 19.05.2014, 00:11
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Re: European Health Insurance Card in switzerland

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My company provides Cigna but we also have a local insurance to comply with the Swiss law.
You cannot get any coverage through your wife, just paying a small additional amount. As far as I know you don't get family health insurance policy. Each family member is insured independently. To get an idea of health insurance prices you can have a look at this web site: www.comparis.ch

Good luck
I don't understand. Can I or cannot I get Cinga only insurance for me and my wife? And I am painful aware of the prices from Swiss insurers (and personally think it is on the brink of extortion - virtually no difference in premium prices and multitude of extra cost for insured!) that's why I'm trying to find a external alternative.

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I understand you are moving to Lausanne. Please have a look at this link:

http://www.vd.ch/themes/social/prest...rance-maladie/

Thanks. I used google translator and I got an idea what it says. However, it does not answer my question about Cinga. Are they approved insurers in Vaud region?
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Old 19.05.2014, 00:49
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Re: European Health Insurance Card in switzerland

It is not likely that you can use an outside insurance as a resident in Switzerland. There are some exceptions for students. I gather you will not be a student?

Swiss residents, which you will be if you are living here, need Swiss insurance.

How much does insurance cost in Ireland?
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Old 19.05.2014, 00:58
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Re: European Health Insurance Card in switzerland

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It is not likely that you can use an outside insurance as a resident in Switzerland. There are some exceptions for students. I gather you will not be a student?

Swiss residents, which you will be if you are living here, need Swiss insurance.

How much does insurance cost in Ireland?
500-900 euro annually and is not compulsory. You have basic emergency and hospital covered as well as outpatient visits costs in your taxes. I won't be a student but neither I will be employed in Switzerland.

As for taxes, health insurance is pay-related so you pay certain percentage. In my case it is around 150euro a month. How much in taxes will my wife pay for health related federal costs?

Last edited by JakubB; 19.05.2014 at 01:10.
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