Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 12.07.2015, 12:15
Newbie
 
Join Date: Jul 2015
Location: Renens
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Sintija has no particular reputation at present
Expensive insurance low salary

Dear Members,

I hope my message fins you well. I have following question. Salary which I receive is 2000 EUR, working for Law company. When I came to Switzerland, woman from my company told that I need to have obligatory insurance and suggested Groupe Mutuel.

In this company they gave me offer for 447.50 CHF, as I had mutual agreement with my boss that he will pay for this insurance for first six months, I agreed to sign a contract with them. After I decided to go for cheaper insurance Assura, but due to busy travel schedule and the Assura representatives sent offer to wrong address in Switzerland I received their offer too late and Groupe Mutuel issued already new invoices, from January 2015- August 2015(But in November 2014 according to insurance Law I wrote a letter for termination their(Groupe Mutuel) agreement, but still received invoices.

Now I am in situation that owe the Groupe Mutuel unpaid invoices and on 24th Of June received letter that Law company is letting me go.

I have heard that In Switzerland is Social company where I can apply for benefit due to my small salary and they will refund already paid amount of insurance or will help me not to pay the newly issued invoices.

I would highly appreciate your feedback!

Thank you in advance!
Reply With Quote
  #2  
Old 12.07.2015, 12:22
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,379
Groaned at 62 Times in 32 Posts
Thanked 2,964 Times in 1,469 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Expensive insurance low salary

What insurance is this? Health insurance?

If you didn't receive your new insurance and cancel your old one by the required date, there is not a lot you can do. Do you have two insurances now or just one?
Reply With Quote
  #3  
Old 12.07.2015, 12:26
Newbie
 
Join Date: Jul 2015
Location: Renens
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Sintija has no particular reputation at present
Re: Expensive insurance low salary

Island Moneky thank you for your feedback. The one on which I am now and I tried to cancel is Groupe Mutuel. Tried to apply for Assura, too late received their offer so Groupe Mutuel already issued new invoices. At the moment apparently still on Groupe Mutuel.
Does it make sense now sent to Assura signed their offer?
Reply With Quote
  #4  
Old 20.07.2015, 17:54
Junior Member
 
Join Date: Mar 2013
Location: Zurich
Posts: 53
Groaned at 1 Time in 1 Post
Thanked 22 Times in 16 Posts
zurichcouple has become a little unpopular
Re: Expensive insurance low salary

You won't be able to change until 01.01.2016, so ask Assura to issue you with a new offer.

Your monthly premium is high, if you want to reduce this - if you are normally healthy - have a higher franchise.

And look at the different basic models they offer - a TELMED model, first call then go see a GP or SANTE model, health center option, are often cheaper than the STANDARD

Good luck with sorting it
Reply With Quote
This user would like to thank zurichcouple for this useful post:
  #5  
Old 20.07.2015, 20:31
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,705
Groaned at 482 Times in 292 Posts
Thanked 3,922 Times in 1,959 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Expensive insurance low salary

Depends on your permit type but sounds like it's a internship type permit which will vastly restrict any social payments or benefits.
Reply With Quote
This user would like to thank Today only for this useful post:
  #6  
Old 20.07.2015, 20:47
Newbie
 
Join Date: Jul 2015
Location: Renens
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Sintija has no particular reputation at present
Re: Expensive insurance low salary

Dear Sir,

Thank you for your respond. I have permit B. So I do not need insurance do I understand correctly?
Reply With Quote
  #7  
Old 20.07.2015, 21:30
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,715
Groaned at 209 Times in 181 Posts
Thanked 11,027 Times in 6,254 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Expensive insurance low salary

Quote:
View Post
Dear Sir,

Thank you for your respond. I have permit B. So I do not need insurance do I understand correctly?
All residents need health insurance till the end of the month that you left & possibly 3 extra months after you leave, unless your covered immediately in your new country if you move to the EU.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #8  
Old 20.07.2015, 23:24
Papa Goose's Avatar
Forum Legend
 
Join Date: Apr 2008
Location: Ägeri
Posts: 3,605
Groaned at 233 Times in 190 Posts
Thanked 4,032 Times in 1,741 Posts
Papa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond repute
Re: Expensive insurance low salary

Quote:
View Post
Dear Sir,

Thank you for your respond. I have permit B. So I do not need insurance do I understand correctly?
+1 on what fmf said.

Why would you think you don't need health insurance? It's mandatory for all Swiss residents to have at least basic health insurance. if you are registered and eligible for RAV, then the accident portion will be covered by SUVA, so you may be able to drop that portion of the cover, but don't think it will be much of a reduction.
Reply With Quote
  #9  
Old 20.07.2015, 23:29
Newbie
 
Join Date: Jul 2015
Location: Renens
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Sintija has no particular reputation at present
Re: Expensive insurance low salary

Thank you for your answers!I agree that I need the health insurance. But in my case my salary is 2000 EUR, and the insurance expense monthly 447.50 CHF. Maybe I can ask for some reduction from Swiss social establishment? Correct me if I am mistaken.
Reply With Quote
  #10  
Old 20.07.2015, 23:38
Forum Veteran
 
Join Date: Dec 2012
Location: Aargau
Posts: 1,559
Groaned at 12 Times in 11 Posts
Thanked 1,809 Times in 880 Posts
Mullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond repute
Re: Expensive insurance low salary

For government matters, it's often a good idea to check ch.ch "The Swiss Authorities Online" portal. It's in five languages, including English:

https://www.ch.ch/en/health-insurance-foreigners/

https://www.ch.ch/en/reductions-health-insurance/

https://www.ch.ch/en/changing-health-insurance-policy/
Reply With Quote
This user would like to thank Mullhollander for this useful post:
  #11  
Old 20.07.2015, 23:46
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 6,522
Groaned at 43 Times in 39 Posts
Thanked 9,154 Times in 4,356 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: Expensive insurance low salary

Quote:
View Post
Thank you for your answers!I agree that I need the health insurance. But in my case my salary is 2000 EUR, and the insurance expense monthly 447.50 CHF. Maybe I can ask for some reduction from Swiss social establishment? Correct me if I am mistaken.
As mentioned above, it depends on your permit. B-permit is not specific enough. It could be for a student, a full-time job, an internship, etc. According to member Today only, depending on the variety of B-permit you have, you may or may not be eligible for help.

You also mention that your job is ending. How long have you been here? You might be eligible for the RAV (unemployment money), which is separate from your insurance issue. That depends on how long you've been working here.

Keep in mind, some municipalities consider health insurance subsidies as social help. When the time comes to renew your permit, they might deny a renewal due to you being on social help or they may ask you to pay back the money before giving you a new permit.
Reply With Quote
The following 2 users would like to thank 3Wishes for this useful post:
  #12  
Old 20.07.2015, 23:56
Newbie
 
Join Date: Jul 2015
Location: Renens
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Sintija has no particular reputation at present
Re: Expensive insurance low salary

Dear Mulhollander,

I have been employed on full time job since 12th March 2014. I have received written notice on 24th of June, so my last day is on 24th of August. So I assume that my permit B allows to have full time job. Can I still apply for unemployment benefit?
Reply With Quote
  #13  
Old 21.07.2015, 00:07
Forum Veteran
 
Join Date: Dec 2012
Location: Aargau
Posts: 1,559
Groaned at 12 Times in 11 Posts
Thanked 1,809 Times in 880 Posts
Mullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond repute
Re: Expensive insurance low salary

Quote:
View Post
Dear Mulhollander,

I have been employed on full time job since 12th March 2014. I have received written notice on 24th of June, so my last day is on 24th of August. So I assume that my permit B allows to have full time job. Can I still apply for unemployment benefit?
The first link has sub-links covering unemployment in Switzerland:

https://www.ch.ch/en/unemployment/

This link answers specific questions about unemployment compensation eligibility. It is also in French and Italian:

http://www.treffpunkt-arbeit.ch/arbeitslos/FAQ/

Consider using Google Translate to translate from a Swiss national language into English or your native language. The answer to Question 2 is probably relevant.
Reply With Quote
  #14  
Old 21.07.2015, 00:16
Papa Goose's Avatar
Forum Legend
 
Join Date: Apr 2008
Location: Ägeri
Posts: 3,605
Groaned at 233 Times in 190 Posts
Thanked 4,032 Times in 1,741 Posts
Papa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond reputePapa Goose has a reputation beyond repute
Re: Expensive insurance low salary

Quote:
View Post
Dear Mulhollander,

I have been employed on full time job since 12th March 2014. I have received written notice on 24th of June, so my last day is on 24th of August. So I assume that my permit B allows to have full time job. Can I still apply for unemployment benefit?
Health insurance premiums are what the are, the fact that your salary is low has no bearing on it.

The type of permit and whether it is restricted or unrestricted is very important and if it restricted and linked to your previous job, the cost of health insurance is the least of your problems.

Further, if you claim social hilfe this can in some kanton lead to a refusal to renew a permit. Your really not providing enough accurate information so I would go to your local RAV office and speak to them
Reply With Quote
This user would like to thank Papa Goose for this useful post:
  #15  
Old 21.07.2015, 00:19
Newbie
 
Join Date: Jul 2015
Location: Renens
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Sintija has no particular reputation at present
Re: Expensive insurance low salary

Much appreciated!!! Will definitely check .
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Is my salary too low? oxxy Employment 62 01.05.2009 11:03
Salary too low? alanmack Employment 10 08.08.2008 11:45
[Got job BUT] Is salary too low? franci Employment 65 15.06.2008 18:50
Is car insurance more expensive? evianers Insurance 3 03.09.2007 08:03
Low Salary Employee DaveA Business & entrepreneur 0 15.05.2007 10:39


All times are GMT +2. The time now is 02:27.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0