According to the Swiss health regulations do you have to have basic health insurance (KVG) sorted within the first three months. The start date is then the date of entry into Switzerland (register date). If you would have signed the contract after the first three months, that would be the start date of your contract, although they can 'fine' you with the premium of the date of entry, without you being able to claim any benefits for that period.
The insurance card can only be printed once you have your permit and their system has received your AHV number (National Insurance number).
So it appears they haven't done anything wrong, just a bit slow