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Old 12.03.2015, 23:17
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Urgent question insurance

Hi All,

Just got back to ch.
Just to know if am I insured after applying for the B permit?
Given that they backdate the insurance 3 months etc .

Think I might have to run to the ER
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Old 12.03.2015, 23:21
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Re: Urgent question insurance

If you've not sorted your health insurance yet, then I think you might have to pay and claim it back once you get your insurance sorted. But your insurance will be started from the day shown on your permit. I'd take your permit to the hospital with you incase they want proof of residency.
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Old 12.03.2015, 23:25
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Re: Urgent question insurance

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If you've not sorted your health insurance yet, then I think you might have to pay and claim it back once you get your insurance sorted. But your insurance will be started from the day shown on your permit. I'd take your permit to the hospital with you incase they want proof of residency.

Just submitted the paperwork for the permit yesterday. (got back on SUnday...) so no permits yet. well this one might not have to wait in any case....
Thanks
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Old 12.03.2015, 23:57
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Re: Urgent question insurance

If you entered Switzerland a few days ago and have already applied for your permit then I would expect you can claim on your eventual health insurance, which should start from your permit application date, although it might even be considered as dating from your entry date.
If you think you need medical help now then deal with it, the rest will get sorted eventually.

I hoe you realise I'm an insomniac? At least I have a good reason to lie awake and fret..... sincerely hope you feel better tomorrow!

Last edited by Anjela; 12.03.2015 at 23:59. Reason: Trying to sort out a bit of a ramble....
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Old 13.03.2015, 00:06
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Re: Urgent question insurance

They don't back date it 3 months back. You have 3 months from when you register to get insurance. They do back date it to the first of the month.

If you need to go to the ER, go to the ER!
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Old 13.03.2015, 00:11
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Re: Urgent question insurance

Welcome back and sorry you are poorly. Go and get sorted and take care.

Health insurance has nothing to do with permit, but with you registering with the Commune/Gemeinde as a resident. Rules change from area to area, but here it has to be done within 10 days of arrival in the Commune.

From the Federal GVT website:

06. Within which period do I have to take out insurance, and what are the consequences of delayed registration?You have to take out health insurance within three months of the beginning of compulsory insurance (e.g. of the date you take up residence or give birth to a child in Switzerland). The insurance is then back-dated to the beginning of compulsory insurance. Since expenses are reimbursed retroactively, consequently it is mandatory to pay the premiums retroactively from the beginning of coverage on.
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Old 13.03.2015, 00:51
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Re: Urgent question insurance

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They don't back date it 3 months back. You have 3 months from when you register to get insurance. They do back date it to the first of the month.

If you need to go to the ER, go to the ER!
They do actually. I thought it was from when you sign up but it's from when you enter the country. Got a nice 3 months bill.

They never forget
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Old 13.03.2015, 00:54
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Re: Urgent question insurance

If you are really bad, just go to ER and deal with the insurance later!
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Old 13.03.2015, 15:42
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Re: Urgent question insurance

OP - How are you doing today? Hope you're okay.
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Old 13.03.2015, 15:46
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Re: Urgent question insurance

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They don't back date it 3 months back. You have 3 months from when you register to get insurance. They do back date it to the first of the month.

If you need to go to the ER, go to the ER!
Helsana seems to do it that way (backdating 3 monhts). I'm sure others do it as well.
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Old 13.03.2015, 17:13
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Re: Urgent question insurance

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Helsana seems to do it that way (backdating 3 monhts). I'm sure others do it as well.
But they can't backdate it to a date before you actually arrived in Switzerland.

They can only backdate it as far as your arrival date so it will only be backdated 3 months if you waited for 3 months before signing up with an insurer.

Any insurer can charge you for health insurance from the first day if the month you register in Switzerland if they so wish. Some of them are more lenient and only charge you from when you sign up with them. Others are less generous.
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Old 13.03.2015, 17:21
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Re: Urgent question insurance

Said this on EF many times, we arrived on the 29th of March 2009- and insurance was backdated to 1st of March. We did try to argue, with the help of a close relative who has been working with that Insurer for 30+ years- but there they would not budge.
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Old 13.03.2015, 17:39
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Re: Urgent question insurance

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They do actually. I thought it was from when you sign up but it's from when you enter the country. Got a nice 3 months bill.

They never forget
That's bizarre. Why would you be in the country for 3 months without registering unless you are a tourist?

Usually when EU people come they can be here for 3 months without registering and stay as tourists. When they are tourists they do not need health insurance and thus it is not back dated to that time.
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Old 13.03.2015, 17:44
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Re: Urgent question insurance

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That's bizarre. Why would you be in the country for 3 months without registering unless you are a tourist?

Usually when EU people come they can be here for 3 months without registering and stay as tourists. When they are tourists they do not need health insurance and thus it is not back dated to that time.
I think he means it took him three months to register for health insurance. When he did they backdated it to the date he actually registered at the commune.

You'll have to excuse him, he's from Scotland so English isn't his first language.
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Old 13.03.2015, 17:56
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Re: Urgent question insurance

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That's bizarre. Why would you be in the country for 3 months without registering unless you are a tourist?

Usually when EU people come they can be here for 3 months without registering and stay as tourists. When they are tourists they do not need health insurance and thus it is not back dated to that time.
If you move furniture and car, etc, as part of your move- it is all dated. Aand then by Law most Communes require that you register within 10 days, and ask for official date of arrival/move- and insurance is then backdated to 1st of that month. If you move your furniture, car and register as per the law, and also start working- it is clear you are NOT a tourist.
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Old 13.03.2015, 19:14
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Re: Urgent question insurance

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If you move furniture and car, etc, as part of your move- it is all dated. Aand then by Law most Communes require that you register within 10 days, and ask for official date of arrival/move- and insurance is then backdated to 1st of that month. If you move your furniture, car and register as per the law, and also start working- it is clear you are NOT a tourist.
Yes. Clearly.



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I think he means it took him three months to register for health insurance. When he did they backdated it to the date he actually registered at the commune.

You'll have to excuse him, he's from Scotland so English isn't his first language.
Ah yes! But we do still love 'em. I'm sure though it's all my fault for having replied when I was dead tired.

Anyway.... Anthony should go to the ER if he needs to as he will likely get the insurance from the 1st of March and they will cover his ER visits today.
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Old 13.03.2015, 20:14
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Re: Urgent question insurance

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Hi All,

Just got back to ch.
Just to know if am I insured after applying for the B permit?
Given that they backdate the insurance 3 months etc .

Think I might have to run to the ER
Are you OK? Get well soon!
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Old 14.03.2015, 11:12
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Re: Urgent question insurance

Looks like insurance only starts on the 1st of next month (april)
Went to the doc anyway and likely got Pleurisy (infection of longtissue) dear god does it hurt though....guess ill be laying down for a few weeks
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Old 14.03.2015, 11:20
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Re: Urgent question insurance

Your insurance will start from the 1st of the month in which you registered & applied for the permit, so 1st of March.

Get well soon.
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Old 14.03.2015, 11:28
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Re: Urgent question insurance

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Looks like insurance only starts on the 1st of next month (april)
Went to the doc anyway and likely got Pleurisy (infection of longtissue) dear god does it hurt though....guess ill be laying down for a few weeks
You poor thing!

Had that once, thought I'd broken a rib coughing and it was sticking into my lung.....

Antibiotics and bed rest I think? Plus oxygen if it gets too bad.
Keep warm, drink lots of fluids and I hope you feel better asap!

A
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