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Old 20.03.2015, 17:00
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Stopping Health Insure while on vacation (SWISSCARE, student)

Hello!

I have an insurance with SWISS CARE, to be renewed now for an extra 6 months, starting on the 1st of April.
The issue is that I have just completed my studies and I will be away from Switzerland for 3 months. I will be right back after this period, and my residence permit is anyway valid until November.

I asked SWISSCARE if I could re-engage with their insurance from 1st of June, and not from 1st of April. But they told me that if I am still a residence, it is not possible with them.

I enquired at StadtHaus Zurich, and they told me that this shoudl be possible on the insurance side.

Do you have anyexperince with ths at all? It sounds unfair/redundant to pay for a service that I am not making use of.

I appreciate any of you advice!
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Old 20.03.2015, 17:04
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

Wouldn´t you need insurance as well whilst traveling? So it might be easiest to continue the one you have now?
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Old 20.03.2015, 17:28
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

Hi Roegner,

You are right about that, it covers internationally except USA.

The thing it that I would be back to my home country, and I am covered there.

But yes, I may consider keeping it, I just wrote to them to see..

Thank you
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Old 20.03.2015, 17:49
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

If you have a valid permit, you are a Swiss resident and you need Swiss health insurance... Whether you are on holiday or not!
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Old 20.03.2015, 17:52
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

Hi!

I see..Well I was mostly curious, and confused.

Because I indeed enquired with the ZH authroties (Stadthaus) and the told me that my company could be able to "freeze" my insurance while I am away (depending from company to company they said).


Thanks for you tip.
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Old 20.03.2015, 17:57
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

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(depending from company to company they said).
And those are the key words. It depends on whether your insurance company is prepared to do that or not. Obviously Swisscare isn't, end of story.
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Old 20.03.2015, 18:03
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

Yes,

But I wanted to also check with you guys (if you had similar situation). See if they got my situation or not basically.

Thanks.
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Old 21.03.2015, 01:54
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

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Yes,

But I wanted to also check with you guys (if you had similar situation). See if they got my situation or not basically.
Because obviously a bunch of strangers on the internet are much more reliable than, for instance, asking your insurance company.
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Old 21.03.2015, 01:58
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

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Because obviously a bunch of strangers on the internet are much more reliable than, for instance, asking your insurance company.
so much for the promise of collective intelligence
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Old 21.03.2015, 03:06
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

Unfortunatelly, this is the sad reality. If u are resident, u need to pay health insurance. I did pay 6 months swiss health insurance due to the earlier rcvd residence status retroactivelly. Bottom line for no services provided. In addition, whenever I am abroad due to my PhD related committments, in your case your holiday, I need to pay Swiss health insurance. It's not fair, but insurance lobby groups back in 2005 adopted such a law, if I am not wrong. Finally, when u do need to get reimbursed for the bill made abroad due to your holidays or PhD related committment, it's so hard to rcvd reimbursement that at the end u give up filling it such a bill or requesting it reimbursment. U save the emotional distress or mind distraction, to bother it. Again, it's not fair, because u do pay high premiums, but la vita e' bella. Minimum health insurer should count toward your deductable amount. The only way around is to delist or dismiss your resident permit at the Office of Foreigners. So, from that point your health insurance related obligations are ceased. Afterwards, to reapply for the resident permit with all fun, fun admin procedures upon your return when the semester will start. Good luck. They have higher negotiation power, so the rule of thumb is pay it or leave.
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Old 21.03.2015, 09:10
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

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so much for the promise of collective intelligence
The collective intelligence has already told you that you need to keep it!
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Old 21.03.2015, 09:29
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

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so much for the promise of collective intelligence
The term is actually "the wisdom of the crowds" - no causality with respect to intelligence

Look at it from the bright side:

You have a (relatively cheap) base insurance package within one of the best healthcare systems of the world. As you are travelling, add travel insurance to that and you are covered world-wide to the extent of the Swiss package.
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Old 21.03.2015, 11:02
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Re: Stopping Health Insure while on vacation (SWISSCARE, student)

At the end of the day is you are resident here you need health insurance… so that if you are injured or ill when abroad, you can come "home" and get treatment. If you want to rely on the health system of another country then you have to cease residency in Switzerland and become resident elsewhere.
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