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Old 21.05.2015, 15:43
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Swiss Insurance when permanently living abroad?

Hello,

I'm half Irish half Swiss. I was born and raised in Switzerland to an Irish mother, but I moved to Ireland in my early 20s, family is still in Switzerland. Now I'm 30 and I am more concerned about my health than I used to be (getting old huh!) plus my girlfriend and I are in talks about starting a family in 1-2 years.

The Irish insurances and health care systems are a complete joke. For 90 Euro/Month, I get 1000 Euro on medical expenses covered. Maternity or cancer - strictly not included. Okay Ireland has a public health system where hospitals are free, but they have such a bad reputation.
I'm keep thinking that if I or my girlfriend would ever have an accident (or her being pregnant), I would not want to make use of public Irish hospitals, I would prefer Swiss hospitals.

When I compare the benefits of Irish health insurances with Swiss ones like Helsana, it's worlds apart.

So I am wondering, are there any Swiss health insurance companies that are for expats?
Basically, I would like to have Swiss health insurance with all the benefits, where in case something happens, we can fly to Switzerland and make use of Swiss doctors/hospitals.

The only one I found is http://swissglobalinsurance.com/ It seems exactly what I am looking for. Live anywhere in the world, and in case of medical emergency you can fly to Switzerland (or USA) and are covered there.

The only problem is, that I have never heard of that company, and I can not find a single review about that company. I would hate to run into a scam where I pay 300/euro a month for years and then suddenly it turns out it's fake.

Does anyone know of other swiss insurances that cover expats? Or is anyone familiar with Swiss Global Insurance?
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Old 21.05.2015, 17:37
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Re: Swiss Insurance when permanently living abroad?

I've never heard of it, but a few points to consider.

Most important to me at least, unless you pre-agree that hospitals, etc, will bill them direct you have to pay the invoices yourself and then claim them back from SGI. You could be thousands of Pounds/Euros/Francs out of pocket until they decide to reimburse you.

Also you need to consider this which I found on their website:

"If you or your dependents are covered by a Social Security system or another healthcare plan, you must first obtain the reimbursement from this primary insurance before sending your claim to the SWISS GLOBAL INSURANCE Claims Service Center. In this case, please enclose with each claim a copy of all medical and dental bills relating to the claim, as well as the original statement of the prior reimbursement. SWISS GLOBAL INSURANCE may ask you additional information that may be necessary to solve your benefit claim."

Now I don't know what they call a social security system or another healthcare plan, but methinks that having a public health service may invalidate you even joining their scheme. Or if you also have the Irish private insurance, they'll expect you to claim from that first before even considering reimbursing you.

You should also remember that if you have an EHIC card any emergency treatment needed here will be covered so it may be waste of money to spend it on extra insurance.
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Old 21.05.2015, 21:00
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Re: Swiss Insurance when permanently living abroad?

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I've never heard of it, but a few points to consider.

Most important to me at least, unless you pre-agree that hospitals, etc, will bill them direct you have to pay the invoices yourself and then claim them back from SGI. You could be thousands of Pounds/Euros/Francs out of pocket until they decide to reimburse you.

Also you need to consider this which I found on their website:

"If you or your dependents are covered by a Social Security system or another healthcare plan, you must first obtain the reimbursement from this primary insurance before sending your claim to the SWISS GLOBAL INSURANCE Claims Service Center. In this case, please enclose with each claim a copy of all medical and dental bills relating to the claim, as well as the original statement of the prior reimbursement. SWISS GLOBAL INSURANCE may ask you additional information that may be necessary to solve your benefit claim."

Now I don't know what they call a social security system or another healthcare plan, but methinks that having a public health service may invalidate you even joining their scheme. Or if you also have the Irish private insurance, they'll expect you to claim from that first before even considering reimbursing you.

You should also remember that if you have an EHIC card any emergency treatment needed here will be covered so it may be waste of money to spend it on extra insurance.
Right now, neither of us have insurance (only travel insurance), luckily we're both in perfect health and never had any accidents.
Considering most countries offer public health care systems and Switzerland is one of the few exceptions worldwide, I doubt their service would invalidate anything.
For us it's more so we can go to private hospitals here in Ireland, and if operation is required, fly to Switzerland. We want to avoid public hospitals where the service is so bad that you have to wait 3 days when your appendix bursts (scary stories on the news all the time), and that's what it seems like their service is all about.

I also found here in the forum people talking about swisscare.com. I had a look on their site, they have an expatriot offer, for people living "not in their own country", but it doesn't specify your country of origin.
http://www.swisscare.com/en/all-plan...ce-expatriate/

Is this only for Swiss people living abroad or for anyone from any country living on any country?
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Old 21.05.2015, 21:15
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Re: Swiss Insurance when permanently living abroad?

The Swisscare insurance wouldn't apply to you I don't think. I quote:

"EXPATLINE is an international health and travel insurance designed and developed for individuals residing outside their home country for a minimum period of one year."

You're not living outside your home country as you're Irish.
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Old 22.05.2015, 00:06
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Re: Swiss Insurance when permanently living abroad?

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The Swisscare insurance wouldn't apply to you I don't think. I quote:

"EXPATLINE is an international health and travel insurance designed and developed for individuals residing outside their home country for a minimum period of one year."

You're not living outside your home country as you're Irish.
Well I have a Swiss passport, on top of that, we're not sure if we will stay in Ireland. We might move to other countries at some stage.
Is swisscare.com only for swiss people living outside Switzerland, or can anyone join Swisscare? (girlfriend is polish).
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Old 22.05.2015, 08:13
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Re: Swiss Insurance when permanently living abroad?

You'd have to ask Swisscare to be sure, but from the wording I'd say anyone who's not living in their home country.
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