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  #61  
Old 18.03.2015, 22:08
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Re: Health Insurance - first 3 months...once again

Hm, I know i started my health insurance in March, one month after my arrival, and I actually asked, if it doesn't have to be signed back to Feb, but they said, since I had no problems it was fine to start in March... But that was with Concordia, and back in 2011....
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  #62  
Old 18.03.2015, 23:23
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Re: Health Insurance - first 3 months...once again

Great saving of a months premium, according to article 5 KVG, do you have to start on the date of moving to Switzerland your basic health insurance. Enjoy the saving!!!
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  #63  
Old 19.03.2015, 01:01
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Re: Health Insurance - first 3 months...once again

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HI
I have signed health insurance with an Agent for Swica and it was dated on the 3rd month after my arrival. I have arrived in January and agreement was signed on 1st March to start the insurance from that date. After few days I have received confirmation from Swica that my insurance policy will be created from 5th January because I registered on that day so they have breached the contract I have signed with them. They insisting the insurance has to start from 5th January. I have exchanged correspondence with them but my arguments seem to be pointless. I have to provide registration certificate dated on March or have an exemption from Canton to sign the policy 2 months after arrival. Can anyone advise if this is legal ? Ignore the signed agreement ?
Read the terms under which you are granted a permit. You must be insured from the day you become Swiss resident, NOT when you decide to get insurance. There is a grace period to allow you to search for, and get the insurance (this is not a free period) and the insurance will always be backdated to the time when it was a legal requirement, which was your date of entry. So they are perfectly correct and have breeched nothing, so you must pay up.
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  #64  
Old 19.03.2015, 10:10
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Re: Health Insurance - first 3 months...once again

and as said before, they are allowed by law to charge not from the date of entry, but the first day of that month (we arrived on a 29th- and were charged for the whole month- and there was nothing we could do about it).
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  #65  
Old 08.04.2015, 13:52
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Re: Health Insurance - first 3 months...once again

Hi expats,

Sorry to invade the thread with ANOTHER healthcare dilemma, but I was hoping some of you can give me some advice. Im unable to post my own thread atm. I arrived on Jan 1, so am now just over the 3 month deadline. I have Irish insurance, accident insurance at work & EHIC so i am completely covered if anything should happen - although I know I am still required by the canton to get Swiss insurance.

Here's the issue - I have no decided to move home in 5 weeks time. My boat is booked & my notice has been handed in. If I take out insurance (which I have looked in to) it will be seriously expensive, and it really is not necessary for me. It would also be a huge hassle to take out & cancel in 4 weeks time - if even possible with certain insurers.

I've read through hundreds of these threads, and my main fear is that in the next few days I am going to get a huge bill in my door along with some threatening letter. Does anyone have any experience of how the authorities deal with this? Im living just outside Zurich if anyone has any personal experience. Do I get a few warnings and how seriously is this taken? Is there any way of contacting the residents registration and putting them off for a while before I permanatly leave?

Any help would be much appreciated - I value my health & obide by the rules, however it seems really silly to take out insurance when I am planning to move home!

Thanks in advance
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  #66  
Old 08.04.2015, 14:05
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Re: Health Insurance - first 3 months...once again

I don't totally understand. You have Irish insurance through work… so are you working in Ireland still? So are you living in Switzerland or Ireland?

If you are signed in and resident in Switzerland… your Irish insurance may not be valid as you are not an Irish resident.

Regardless of wether your Irish insurance is valid, Switzerland won't care, you need Swiss insurance.

You maybe lucky, my husband thought he'd organised health insurance when he came to work in CH for a few months from the UK. He however forgot to send the agreement back. He only realised when he tried to cancel the insurance on leaving His gemeinde never asked for insurance proof… he got away without paying.

If when or before you leave, the gemeinde ask for health insurance proof, you will have to sign up to one and pay the full amount for the 4-5 months you have been here. If you are more unlucky, they will just sign you up and you'll get a bill more expensive maybe than if you'd picked your own company.
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  #67  
Old 08.04.2015, 14:13
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Re: Health Insurance - first 3 months...once again

I'm living in Switzerland - leaving next month. The gemeinde won't accept my irish insurance even though it covers me here (you know how technical it is here!!)

All I'm saying is that I'm finishing work, have no plans to return, and am covered so well with my current insurers (even though it isn't good enough).

In the next 5 weeks what is likely to happen?
I hear stories of people who go months hearing nothing - and then others who are suddenly summoned with bills & warnings.

Worst case scenario is the gemeinde issue me insurance & I leave without paying - does anyone have any advice on this?
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  #68  
Old 08.04.2015, 14:17
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Re: Health Insurance - first 3 months...once again

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Worst case scenario is the gemeinde issue me insurance & I leave without paying - does anyone have any advice on this?
I doubt they'll let you de-register without paying. Which would mean you wouldn't be able to cancel any of your other contracts either.
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  #69  
Old 08.04.2015, 14:55
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Re: Health Insurance - first 3 months...once again

Thanks for your help Island Monkey.
I literally have no other contracts here to cancel - not a single one!

Do you think that if I show up to deregister early (maybe in 2 weeks time) with my Irish insurance documents that they will accept this?
It seems insane that they want you to buy insurance when your leaving & nothing has happened!!

My other thought would be to leave and later deregister through the post - any ideas on this?
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Old 08.04.2015, 15:00
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Re: Health Insurance - first 3 months...once again

I would go and talk to them and say you are leaving and what's the options
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Old 08.04.2015, 15:04
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Re: Health Insurance - first 3 months...once again

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Thanks for your help Island Monkey.
I literally have no other contracts here to cancel - not a single one!

Do you think that if I show up to deregister early (maybe in 2 weeks time) with my Irish insurance documents that they will accept this?
It seems insane that they want you to buy insurance when your leaving & nothing has happened!!

My other thought would be to leave and later deregister through the post - any ideas on this?
I presume you had a permit, and the terms of that permit are that you must have acceptable insurance form the day you arrived.... simple really. The fact you think it's insane, or that your employers cover is acceptable matters not I'm afraid. You should have had acceptable Swiss insurance from when you arrived, and if you don't within 3 months the geminde will set it up for you and your bill backdated, thats the way it is. I'd go on Comparis and get the cheapest basic insurance you can find, and show them the certificate when you leave.
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