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Old 24.08.2015, 09:11
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Work Permit and Healt Insurance

Hi everyone,
I am planning to move in Zurich and just got an "L" work permit. I do not have a job yet, but I was able to get the permit because my girlfriend lives there, and she stated to the migration office that she will be responsible for my expenses.

Anyway, just before receiving the permit I got a letter in which I'm told to provide a copy of my health insurance within 6. Septemper (which I don't have yet). I'm not sure on what else the letter says because I don't speak any German and Google translator is what it is.. but it seemed they wanted to tell me that if I don't send it they could refuse my application. I don't even have the letter here with me so I can't copy it here.

So my question is: what would happen if I wouldn't provide them with a copy of my insurance by 6/09? I'm abroad, and with many thing going on I'm not sure that I will stay in Switzerland in the end, so I wanted to wait a bit for the insurance.
Could they take back my permit, or something like that?

Thank you very much, and I hope my English is clear
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Old 24.08.2015, 09:42
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Re: Work Permit and Healt Insurance

Swiss Authorities Online (ch.ch) has governmental information in English. This is what it says about compulsory health insurance for foreign nationals:

"Compulsory health insurance

Foreign nationals must take out insurance for themselves and for their families with a Swiss health insurance company no later than three months after arriving or beginning work in Switzerland. "

https://www.ch.ch/en/social-insuranc...ign-nationals/

Edit:
This is a more detailed explanation of compulsory health insurance (in English):

http://www.bag.admin.ch/themen/krank...x.html?lang=en

Last edited by Mullhollander; 24.08.2015 at 10:06.
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Old 24.08.2015, 09:58
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Re: Work Permit and Healt Insurance

I don't really understand why you have got yourself an L permit if you aren't in Switzerland. Especially as you can stay here as a tourist for 3 months.

If you don't get health insurance, starting the month your permit does, then the permit authorities can sign you up to one of their choice and that might be more expensive than you wish. You will have to pay health insurance from the time your permit starts until the date you decide to leave Switzerland and give up your permit. It's the law, no choice.
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Old 24.08.2015, 10:19
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Re: Work Permit and Healt Insurance

As Island Monkey says from the moment you register as being a resident here (get a permit) then you must have the mandatory Swiss health insurance. Get your girlfriend to contact her insurance provider and arrange a policy for you, that's the easiest way to do it. If you don't get it arranged the gemeinde will put you on their default insurance provider which may cost you more. The sooner you arrange it the better for you too as leaving it for a while only means your initial premium will be higher as it will be backdated to the date of your registration.

I would also not assume that your L permit allows you to work here either. Without knowing your nationality/your girlfriend's it's difficult to say, but usually L permits are given to non-EU nationals and don't grant automatic work rights to any dependents which is what you will be. That's not to say you can't look for a job and be hired, but the employer has to ask permission from the Swiss authorities to be able to take you on as certain conditions have to be met.
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Old 24.08.2015, 15:40
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Thanks everyone for your help.
Well, just to give you a complete picture, I'm from Italy and I arrived in Switzerland the 1st July, with my girlfriend. I tought abour registering and applying immediately for a permit because i figured that would make it easier to find a job for me, and an apartment for us (we had only a temporary flat for two months)
The plan was to stay there looking for a job, indefinetly or until the end of the year anyway. But things change, especially with girlfriends and now I'm not sure where I'm gonna stay in the next period/months.

- In case I will be back to Italy, de-register and give up my permit, do I have to pay something for the insurance as well?

- In case I will stay in Switzerland, how much time do I have in order to get the insurance?

This last it's still not clear to me, because from the letter that I was referring to I should send a copy of it until 6. september. But that letter was sent before I received my permit. So, is there a time limit (i.e. 30 days from the work permit issue date, or 6. september in this case) before which they cannot assign me to a default insurance provider?

And as last another question about my possibility to work here, since Medea brought that up:

I really didn't think that an L permit could be a limit to my employment possibilities, since I tought that when I'll get a job (especially in case of a non temporary one) the employer or I could ask for a new permit. Am I wrong about it?

Every suggestion about what's best to do in this situation could be very helpful and really appreciated. Thanks!

I just noticed the last link posted by Mullhollander, and in there it says:
You have to take out health insurance within three months of the beginning of compulsory insurance (e.g. of the date you take up residence or give birth to a child in Switzerland). The insurance is then back-dated to the beginning of compulsory insurance.

So I guess that since I arrived the 1st July everything else doesen't matter, and I should find an insurance until 30 september, right?

Last edited by 3Wishes; 22.09.2015 at 20:44. Reason: merging consecutive replies
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Old 24.08.2015, 16:09
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Re: Work Permit and Healt Insurance

You have 3 months to get the insurance... but it has to be back paid to the month you registered.

If you sign out of Switzerland now, you will only have to pay for July and August.
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Old 24.08.2015, 16:27
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Re: Work Permit and Healt Insurance

ok, so if I if sign out Switzerland before choosing an insurance, I'd have to pay anyway a retroactive premium. And I guess I'd have to pay whatever they will tell me when I de-register, according to their provider, right?

So if it's like that, i guess the conclusion is that the best is to arrange an insurance by myself until the end of september, because not having it doesen't give me any advantage, even in case I will de-register soon..
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Old 24.08.2015, 17:04
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Re: Work Permit and Healt Insurance

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I just noticed the last link posted by Mullhollander, and in there it says:
You have to take out health insurance within three months of the beginning of compulsory insurance (e.g. of the date you take up residence or give birth to a child in Switzerland). The insurance is then back-dated to the beginning of compulsory insurance.

So I guess that since I arrived the 1st July everything else doesen't matter, and I should find an insurance until 30 september, right?
Don't underestimate how long it takes to arrange. I would start NOW.
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Old 24.08.2015, 20:19
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Re: Work Permit and Healt Insurance

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Thanks everyone for your help.
Well, just to give you a complete picture, I'm from Italy and I arrived in Switzerland the 1st July, with my girlfriend. I tought abour registering and applying immediately for a permit because i figured that would make it easier to find a job for me, and an apartment for us (we had only a temporary flat for two months)
The plan was to stay there looking for a job, indefinetly or until the end of the year anyway. But things change, especially with girlfriends and now I'm not sure where I'm gonna stay in the next period/months.

- In case I will be back to Italy, de-register and give up my permit, do I have to pay something for the insurance as well?

- In case I will stay in Switzerland, how much time do I have in order to get the insurance?

This last it's still not clear to me, because from the letter that I was referring to I should send a copy of it until 6. september. But that letter was sent before I received my permit. So, is there a time limit (i.e. 30 days from the work permit issue date, or 6. september in this case) before which they cannot assign me to a default insurance provider?

And as last another question about my possibility to work here, since Medea brought that up:

I really didn't think that an L permit could be a limit to my employment possibilities, since I tought that when I'll get a job (especially in case of a non temporary one) the employer or I could ask for a new permit. Am I wrong about it?

Every suggestion about what's best to do in this situation could be very helpful and really appreciated. Thanks!
The rules are different for EU nationals. You can come here as a job seeker for 3 months, registering at a gemeinde as such (and getting your health insurance sorted of course ) while you look for a job. If you don't find one in that time you can then apply for an L permit for another 3 months providing you have sufficient funds to support yourself. The L permit can be extended in 3 monthly intervals for up to a year, subject to you having the necessary funding to do so.
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Old 29.08.2015, 18:29
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Re: Work Permit and Healt Insurance

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Don't underestimate how long it takes to arrange. I would start NOW.
Do you mean that it could take longer than 1 month to arrange an insurance?
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Old 29.08.2015, 18:47
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Re: Work Permit and Healt Insurance

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Do you mean that it could take longer than 1 month to arrange an insurance?
Mine took almost two. No fault on my part. I was unlucky admittedly with post getting lost and a mistake in the original contract but unlucky is no defence to having no insurance.
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Old 29.08.2015, 19:47
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Re: Work Permit and Healt Insurance

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Do you mean that it could take longer than 1 month to arrange an insurance?
Possibly, but don't forget if you leave it too long then your initial premium will be higher because of the backdating of the contract. If you wait until the third month then you'd have 3 months' premiums to pay in one hit.
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Old 22.09.2015, 11:39
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Re: Work Permit and Healt Insurance

Hi guys, I have to sign out of Switzerland, I'll do it by the end of the month.
Unfortunately I'm 300km away, so I'm back with few other questions since I'd like to know what to expect when I get there.

The point is: as you warned me I haven't received my healt insurance yet, despite the fact that I ordered it online on the 1st september.

I guess I'll go and bring my permit back, pay whatever I have to pay in order to un-register, and.. what else?
Will they ask me to pay directly there the necessary 3 months of insurance (july-september), with a provider choosed by them? And then I should cancel the contract with my insurance provider?
Apart from the insurance, is there something else that I should know?

Thanks in advance as usual, you've all been really helpful.
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