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Old 12.12.2012, 21:17
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Strange swiss law about basic insurance

Hello everybody,

Something weird happened to me today and I would like to share it with you in case you had a similar experience or any useful comments.
So, when I registered in the Kreisbüro of my area, they told me I have 3 months to look for a basic insurance coverage. I searched for some days and when I finally found one and selected my preferred coverage package starting 01.01.2013. When I sent the signed papers etc, someone from the company called me and asked me which date I registered in the Kreisbüro. When I said the 15.11.2012, he told me the swiss law says that I need to pay insurance form the moment I register so that now I have to pay insurance backdated from the 01 of November.
I dont have any intention to doubt about the law of course. It just sounded very strange that I have to pay for something I did not make use of. And since in the registration office they told me that I need an insurance within 3 months after I registered, isnt that a bit unfair?
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Old 12.12.2012, 21:20
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Re: Strange swiss law about basic insurance

Welcome to Switzerland - that's the law. If you live here, you must carry health insurance from day one. As you've seen, you can't start a new policy until you show that you're previous policy (or lack of one) has been paid in full.
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Old 12.12.2012, 21:22
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Re: Strange swiss law about basic insurance

Well you got your resident status at that date so you had to be covered during this period, that is why they back-date it.

If you had the need of health insurance 1 month ago you would have been still covered by choosing it now or paying now.

I don't know if this makes sense, it was explained to me from my broker. I think the allowed period is 1 month but not more.
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Old 12.12.2012, 21:23
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Re: Strange swiss law about basic insurance

thats perfectly normal, you need to be covered from the time you register.

unfortunate but thats the way it is.
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Old 12.12.2012, 21:29
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Re: Strange swiss law about basic insurance

So it is actually better to move to Switzerland early of a month rather than the end of it....well if only one can choose...!
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Old 12.12.2012, 21:32
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Re: Strange swiss law about basic insurance

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So it is actually better to move to Switzerland early of a month rather than the end of it....well if only one can choose...!
No it starts from the date you register so it makes no difference if it is start or end of month
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Old 12.12.2012, 21:33
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Re: Strange swiss law about basic insurance

Hm Okay, I see...
Thanks a lot for the comments, It makes a bit more sense now..
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Old 12.12.2012, 21:34
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Re: Strange swiss law about basic insurance

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No it starts from the date you register so it makes no difference if it is start or end of month
Not true, it starts on the first of the month that you register, you cannot pay for part months. If you arrive on the 20th then you pay for 19 days you didn't use.
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Old 12.12.2012, 21:35
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Re: Strange swiss law about basic insurance

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Not true, it starts on the first of the month that you register, you cannot pay for part months. If you arrive on the 20th then you pay for 19 days you didn't use.
I thought for the first month you would be charged the full month even if you just spend 2 weeks....or anyone ever paid half a month premium?
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Old 12.12.2012, 21:36
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Re: Strange swiss law about basic insurance

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Not true, it starts on the first of the month that you register, you cannot pay for part months. If you arrive on the 20th then you pay for 19 days you didn't use.
Yes..it is what I understood too.
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Old 12.12.2012, 21:37
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Re: Strange swiss law about basic insurance

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I thought for the first month you would be charged the full month even if you just spend 2 weeks....or anyone ever paid half a month premium?
If I remember back to when we started it was amortised by the number of days
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Old 12.12.2012, 21:42
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Re: Strange swiss law about basic insurance

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If I remember back to when we started it was amortised by the number of days
I think the rules have changed. It also works the other way when you leave Switzerland - you pay for the full month even if you are leaving on the 10th.
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Old 12.12.2012, 22:01
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Re: Strange swiss law about basic insurance

What would happen if you had food poisoning on your journey here? Would the Swiss people have to pay for your hospital stay?

That is why you are automatically covered by Swiss health insurance when you arrive here. You then have 3 months to choose which one, otherwise a decision will be made by the Kreisbüro.

Yes it is a pity we have to pay for part months on arriving and leaving, but then the administration costs are absorbed by the insurance companies.
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Old 13.12.2012, 08:21
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Re: Strange swiss law about basic insurance

My daughter was born March 31, at 6PM.

Had she been born six hours later, we would have saved one month's insurance costs.

Tom
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Old 13.12.2012, 08:48
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Re: Strange swiss law about basic insurance

Just lie about when you came to Switzerland, that's what I did and didn't have to pay.
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Old 13.12.2012, 09:16
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Re: Strange swiss law about basic insurance

I think it depends on your insurance and your broker.

I managed to postpone getting an insurance for several months when I first arrived. My broker explained to me that technically he would have to backdate it but when I squirmed he agreed the concept was ridiculous and I never payed for that bit.
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Old 13.12.2012, 09:20
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Re: Strange swiss law about basic insurance

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My daughter was born March 31, at 6PM.

Had she been born six hours later, we would have saved one month's insurance costs.

Tom
I doubt that cost saving was on your wife's mind at the time!
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Old 13.12.2012, 09:21
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Re: Strange swiss law about basic insurance

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I doubt that cost saving was on your wife's mind at the time!
But the kid was 5 weeks premature, we would have saved two month's insurance had she been on time!

Tom
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Old 13.12.2012, 10:58
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Re: Strange swiss law about basic insurance

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But the kid was 5 weeks premature, we would have saved two month's insurance had she been on time!

Tom

but is suspect you more than got your moneys worth in the medical care recieved vs insurance paid?

i know when mine arrive 7 weeks early the medical bills came to 40k
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Old 13.12.2012, 11:09
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Re: Strange swiss law about basic insurance

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It just sounded very strange that I have to pay for something I did not make use of
That's the unwritten definition of all insurance. It's how they make a profit.
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