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  #381  
Old 29.06.2016, 17:30
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Re: Health Insurance FAQs

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How long does it usually take for health insurance to be sorted out? I sent off forms by post last week but my 3 month time window between arriving and getting insured runs out on 13th July. So I have about 2 weeks left - should this be enough time for my application to be completed?


Thanks!

I should say, I applied to Groupe Mutuel and have now seen earlier posts from people saying that they never received any confirmation from them after applying even though it was all set up
You should get something though, even if it's only your new Swiss health insurance card. You'll need to present this when you go to a doctor, hospital, etc, so they can see you have health insurance cover. Still, it's only been a week and you'll be covered back to your registration date so I wouldn't start worrying too much. Give it another week and if you haven't heard anything by then, contact them and ask.
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  #382  
Old 15.07.2016, 21:36
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Re: Health Insurance FAQs

Hiya folks! Iím a UK citizen with an EHIC card issued over there and am visiting a friend near Zug, heading back to the UK in a weekís time. However, unfortunately I seem to be developing a gum-infection. Iíve had a few in this area of my mouth over recent years, most recently a couple of weeks ago when I visited my dentist in the UK who prescribed me some antibiotics (as well as a referral to get the wisdom tooth causing the infections extracted,) and am pretty sure from the timing, identical symptoms & location and lack of other issues identified in my recent examination/x-ray that the antibiotics failed to fully clear the infection.

At present the infection isnít too bad Ė some moderate pain, swelling, jaw-movement limitation and mild lymph-node inflammation. Iím on a very tight budget and looking for advice as to where I can most cheaply present myself should the pain/inflammation get to the point that I have to get a professional take a look in my mouth and prescribe some antibiotics to treat the infection.

For one thing, does anyone know if Iím able to go to a doctor/walk-in centre/hospital outpatient walk-in/etc. to get a simple antibiotic-prescription without having to go to a dentist? The reason I ask is that from what Iím able to tell, the EHIC doesnít seem to cover dental treatments outside of those caused by serious medical conditions and from my understanding visiting a dentist here can get very pricey without insurance-cover. Alternatively, am I wrong in my assumptions and would a simple trip to a dentist for a quick look in the mouth and writing of a prescription likely not end up costing too much?


Basically, any advice you can offer which leads to me avoiding either major medical/dental bills, being in severe pain for a week or curtailing my visit in order to get a cheap antibiotic prescription back in the UK in the event the symptoms worsen would be very, very much appreciated.
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  #383  
Old 15.07.2016, 22:01
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Re: Health Insurance FAQs

The EHIC only covers you for emergency medical treatment. And there's no such thing as cheap dentistry/medicine here. My husband went to his dentist for a checkup the other week, the bill for that came to CHF160. I would guess a doctor would be similar as this wouldn't be covered by your card, not being an emergency.
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  #384  
Old 16.07.2016, 12:14
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Re: Health Insurance FAQs

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The EHIC only covers you for emergency medical treatment.
Isn't what he/she is describing an emergency?
I would expect my EHIC card to cover me if this happens to me while I am in a participating country.
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  #385  
Old 28.09.2016, 14:18
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Re: Health Insurance FAQs

Many questions relating to health insurance are answered in this new 20min article - German speakers, feel free to translate for the EF when you have the time.
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  #386  
Old 05.10.2016, 11:50
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Re: Health Insurance FAQs

Question: if I apply for supplementary insurance and don't list every illness or condition that I had in the UK, they will basically never find them out, right?

Also, do they have access to your medical records in CH?

Not trying to pull a fast one on them, just genuinely curious as to how much access they have to my details.
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  #387  
Old 05.10.2016, 12:31
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Re: Health Insurance FAQs

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Question: if I apply for supplementary insurance and don't list every illness or condition that I had in the UK, they will basically never find them out, right?

Also, do they have access to your medical records in CH?

Not trying to pull a fast one on them, just genuinely curious as to how much access they have to my details.
I don't think they expect you to list every single illness you had in your lifetime as that would be just ridiculous. They are only really interested in the ones that may have implications in the future not the coughs and colds and tummy bugs you had as a child.

You need to declare any surgery you've had and any chronic conditions.

As far as access to medical notes in Switzerland are concerned I don't think they can access them without your permission and certainly not before you're signed up to them. They can ask for more information about things you've declared on the form before deciding whether to accept you or not. My insurer wanted more information from my cardiologist before granting supplementary cover.

Last edited by Belgianmum; 05.10.2016 at 12:50. Reason: Silly typos
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  #388  
Old 05.10.2016, 12:43
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Re: Health Insurance FAQs

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Question: if I apply for supplementary insurance and don't list every illness or condition that I had in the UK, they will basically never find them out, right?

Also, do they have access to your medical records in CH?

Not trying to pull a fast one on them, just genuinely curious as to how much access they have to my details.
Similar to what BM said, I think they mostly want to know about surgeries, particularly within the most recent 5 years. Or an on-going condition like diabetes.

They might not have access to your medical records when making the decision, but after you file a claim if they think it's pre-existing/excluded then they might ask for documentation to back up your claim it's new.
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  #389  
Old 19.10.2016, 12:49
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Re: Health Insurance FAQs

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Is having health (medical) insurance compulsory?

If you intend to live in Switzerland for longer than 3 months, yes, it is.

Can I get temporary insurance cover?

Not exactly. However, if you leave Switzerland permanently during the period of cover then you only need to provide evidence of deregistering with your local government office and your insurance will be cancelled with any advance monies. paid being returned to you.

How do I change insurers/terminate my existing policy?

If you leave Switzerland and have evidence that you have deregistered with your local government office then you may terminate a policy at any time. If you merely want to change your policy then there are only certain dates in the year when you may change. If there have been no changes to the cost in your policy then you will have to give 3 months notice for leaving at the appropriate time (December/June). This means that you will have to have given notice in writing by the end of September or March. If the company has increased costs then you need give only one month's notice and must cancel in writing by the end of November. There are sample letters on the above link.

Please note that if you have light, GP or HMO model you may only change providers at the end of the calender year in December.

If you have supplementary insurance then it is worth ensuring that you have been accepted by an alternative company before terminating your agreement with your existing provider.

It would be sensible to discuss the arrangements for terminating different policies during your search for a provider. These are merely broad guidelines. You can read additional important information on this subject here [comparis.ch].
Hi there and thank you very much for this useful thread. I am an Indonesian national and currently an intern in a UN agency in Geneva. My contract will end at the end of October (thus also the medical insurance provided by the agency), and I am planning to stay in Geneva during the month of November using the courtesy period of Carte de Legitimation. I am not a student anymore. My questions are:

1. Do I need a medical insurance to cover my 1-month stay? It is stated in the FAQs that it is compulsory if I intend to stay for more than three months?
2. If temporary insurance is not available, then would you suggest if I take the year contract and cancel on the 2nd month? And reading from the FAQs, it seems quite complicated to cancel i.e. you need to cancel three months in advance?
3. If anyone has similar experience, could you suggest any insurance company that can do this?

Thanks!
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  #390  
Old 19.10.2016, 13:23
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Re: Health Insurance FAQs

Probably easier to get a travel insurance of some sort - Nomads or World Wide Insure. Tell them you're travelling from Indonesia to Switzerland for a month. Cancelling health insurance here is a pain, plus I don't think you'd get it anyway without having a permit.
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  #391  
Old 19.10.2016, 13:38
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Re: Health Insurance FAQs

Why do some insurers state on their FAQs that you have to pay for the whole month even if your insured period starts in the middle/end of the month while on the Federal Office of Public Health FAQ it says you only pay for the insured days?

http://www.bag.admin.ch/themen/krank...x.html?lang=en

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05. My child was born at the end of the month. I registered in Switzerland in the middle of the month. My husband died at the beginning of the month. Is the insurer entitled/obliged to charge a premium for the whole month?No. Following a decision taken by the Federal Supreme Court concerning the divisibility of premiums under compulsory health insurance (decision of 3 December 2015) the premium is divisible. This means that in the event of a birth or a death, or if someone moves to Switzerland or moves away, the insurer has to calculate the premiums to the day. This rule has been in effect since 3 December 2015.
An example of such an insurer is Helsana.
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  #392  
Old 19.10.2016, 15:05
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Re: Health Insurance FAQs

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Why do some insurers state on their FAQs that you have to pay for the whole month even if your insured period starts in the middle/end of the month while on the Federal Office of Public Health FAQ it says you only pay for the insured days?

An example of such an insurer is Helsana.
A good question. I've always been told that they can't. Helsana aren't the only ones. They all make you pay from the beginning of a calendar month until the end of a calendar month.
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  #393  
Old 19.10.2016, 15:47
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Re: Health Insurance FAQs

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Probably easier to get a travel insurance of some sort - Nomads or World Wide Insure. Tell them you're travelling from Indonesia to Switzerland for a month. Cancelling health insurance here is a pain, plus I don't think you'd get it anyway without having a permit.
Dear Medea,

I would still have a permit, which is the courtesy extension of carte de legitimation. In this case of buying a travel insurance, I should still report to the Geneva authority that I have an insurance, no? Thank you!
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  #394  
Old 19.10.2016, 16:00
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Re: Health Insurance FAQs

Have you asked if the insurance can be extended for another month? That would be the easiest way.
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  #395  
Old 19.10.2016, 16:35
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Re: Health Insurance FAQs

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Why do some insurers state on their FAQs that you have to pay for the whole month even if your insured period starts in the middle/end of the month while on the Federal Office of Public Health FAQ it says you only pay for the insured days?

http://www.bag.admin.ch/themen/krank...x.html?lang=en

An example of such an insurer is Helsana.
This only came into effect in December 2015. Maybe some insurance companies are choosing to ignore it in the hope that people don't realise that things have changed.
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  #396  
Old 19.10.2016, 16:39
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Re: Health Insurance FAQs

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This only came into effect in December 2015. Maybe some insurance companies are choosing to ignore it in the hope that people don't realise that things have changed.
Could be, I sent the Public Health Office an email now to see what legal ground I have if they try to make me pay for the whole month (moved here on the 29th..).
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  #397  
Old 19.10.2016, 17:58
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Re: Health Insurance FAQs

Hi guys,

I have one question about the supplementary insurance. Does anybody have experience with having the basic/compulsory with one company and the supplementary with a different one? Is it too much of a hassle?

CSS went up +17% on the basic one but didn't increase my supplementary fees which means I have to stay with them at least for 12 more months..

Thanks in advance
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  #398  
Old 20.10.2016, 11:31
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Re: Health Insurance FAQs

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Could be, I sent the Public Health Office an email now to see what legal ground I have if they try to make me pay for the whole month (moved here on the 29th..).

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Dear Mr <Name>

We refer to your e-mail dated 19 October 2016.

Due to a new ruling by the Federal Court the insurer has to calculate exactly by the day and not by the entire month. The decision in question is dated 3 December 2015 (9C_268/2015). Helsana has to respect this rule.

We hope we have been of assistance.

Kind regards, <Other name>


That's a relief, REALLY didn't want to pay an additional premium now..
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  #399  
Old 20.10.2016, 11:56
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Re: Health Insurance FAQs

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Hi guys,

I have one question about the supplementary insurance. Does anybody have experience with having the basic/compulsory with one company and the supplementary with a different one? Is it too much of a hassle?

CSS went up +17% on the basic one but didn't increase my supplementary fees which means I have to stay with them at least for 12 more months..

Thanks in advance
It shouldn't be a problem BUT I have heard that insurance companies have cancelled the supplementary policy once the patient has cancelled the basic policy.

Then the new insurance company refuses any supplementary insurance, so the patient is left with only the basic.

Maybe a good idea to find the supplementary insurance before cancelling the basic?

The other policies within CSS will not have increased by 17% you could lower your optional level, or take on an HMO /Telmed policy.
.
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Old 06.11.2016, 15:57
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Re: Health Insurance FAQs

Great thread - thanks.
I am coming to Switzerland from Germany where I had the AOK-Krankenversicherung. I would like to continue with this type of insurance - could anyone say what the nearest Swiss equivalent of the AOK is?
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