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Old 31.05.2015, 18:46
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question on insurance and pregnancy

Hello, we are soon moving to Zurich with my husband and hopefully by then I will be pregnant. I have different questions after browsing and trying to learn on the internet et cetera there are two things I don't seem to find out about.

1. If when we arrive to Switzerland we need to enrol in a new Health Insurance company as mandatory, is it going to cover my pregnancy? Most of insurance companies cover pregnancies after few months of having been enrolled with the, Would it be the same in Switzerland?

2. What is exactly the difference between social security and the insurance?

It would be great if someone could bring light on this issue. I hope one day soon to be able to provide as well in a better way in this forum.

Thank you!

babel
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Old 31.05.2015, 18:49
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Re: question on insurance and pregnancy

Yes, you will be covered. Swiss health insurance covers pregnancy even if you're pregnant before you arrive.

Not sure what you mean by your second question re social security and insurance. There is no national health service here if that's what you're thinking of.
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Old 31.05.2015, 19:42
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Re: question on insurance and pregnancy

Dear Medea,

Thank you very much for your reply. It gives me lots of reassurance.

About the other question I think I began to se the light.

1. We need to have our own health insurance which would be use anytime we have an emergency or need a doctor appointment. So no NHS or anything similar, right? everything would go through an insurer (what makes me wonder what people do when they are in an emergency? do we always have to carry our insurance details with us?

2. The social security, I have somehow understood it is for elder people and cases of people unemployed or similar? Like a protection...

Thank you for your quick reply. We are starting to see it is very interesting how Swiss society and laws work, however it will mean lots of learning and adapt to new views from our side, which we are willing to do.

Everything sounds like Chinese... but with energy we will learn... I wish there were "checklists" of things to do before moving to Zurich!

Thank you again!
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Old 31.05.2015, 20:10
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Re: question on insurance and pregnancy

Quote:
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Dear Medea,

Thank you very much for your reply. It gives me lots of reassurance.

About the other question I think I began to se the light.

1. We need to have our own health insurance which would be use anytime we have an emergency or need a doctor appointment. So no NHS or anything similar, right? everything would go through an insurer (what makes me wonder what people do when they are in an emergency? do we always have to carry our insurance details with us?

2. The social security, I have somehow understood it is for elder people and cases of people unemployed or similar? Like a protection...

Thank you for your quick reply. We are starting to see it is very interesting how Swiss society and laws work, however it will mean lots of learning and adapt to new views from our side, which we are willing to do.

Everything sounds like Chinese... but with energy we will learn... I wish there were "checklists" of things to do before moving to Zurich!

Thank you again!
No, there is no public health system here which is why health insurance cover is mandatory. There is the basic cover which does pretty much everything, but you can add supplementals to it like having a semi-private or private room in hospital, ambulance transport cost coverage, etc. The basic will cover pre-existing conditions, but you won't be able to get supplementary insurance for them.

Yes, you do carry your insurance details around with you because you'll be given a credit card sized card with your policy details on it and you present this whenever you go to a doctor or to hospital. You will also be covered for emergency treatment within Europe if you need it via the EHIC scheme. Your husband will be covered for accident insurance via his employer so when setting up your policy make sure that part is not included, but you will need it as you won't be covered. Most companies use the system whereby the doctor/hospital invoices them and then the insurer sends your portion of the invoice to you to be paid (usually about 10%), but with some you have to pay the bill first and then claim it back from the insurer so be aware of that when looking to arrange your cover.

Your husband will pay both unemployment insurance and into a company pension scheme. The pension scheme will also cover you as he has to pay a certain amount from his salary a year for this if you are not employed.

You have up to 3 months to arrange the cover after your arrival, it will be backdated to your arrival date so you'll be covered from then. Obviously if you're pregnant then sorting it out as soon as you get settled will be best so you can get the various tests/checks paid for. If for some reason you don't get coverage within that time then the gemeinde (town/city) you're living in could put you on their default health insurance which may be more than you want to pay if you arrange it yourself. You can have a play around here for the various insurances available: health, car, personal liability, etc.

www.comparis.ch

There's quite a lot of info in the sticky threads here on the forum which will help you and I also suggest getting hold of a copy of "Living and Working in Switzerland" by David Hampshire. It's full of useful info for both before and after you move here. You can order it from your local bookshop or via the Internet.

When are you planning to move? And are you bringing pets with you?
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Old 02.06.2015, 14:31
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Re: question on insurance and pregnancy

Dear Medea!!

Thanks a lot! I read it yesterday and I was digesting the info.

So many things we need to accomplish before we move in August!

I will make a to do list.

I might return later on for questions, but so far your post was great! Thanks a lot!

Can't wait to be able to reciprocate!

Best regards,

Babel
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