Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 22.10.2015, 15:47
Newbie 1st class
 
Join Date: Jul 2015
Location: Zurich 8048
Posts: 22
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 6 Posts
Evolvedlight has made some interesting contributions
Start date for health insurance when new into country

Hi All

This might be a silly question, but I've searched around a bit and can't find anything: I'm new to the country and have been here just over a month. I'm trying to get insurance (telemed, as am young and healthy).

I'm thus trying to get insurance that starts from a month ago. I've done this by going to Comparis and putting in all the right options. However I can't seem to put this down on the form, and they seem to have a start date (Versicherungsbeginn) of the 1st of Jan 2016. What am I missing here? Do I just send this off and they calculate the right amount anyways? I've put down the "Zuzeg aus dem Ausland" date as September, but seeing the 1st Jan 2016 is putting me off.

Has anyone published a translation of a health form anywhere? This would be useful, or if anyone has a recommendation for a health insurance broker in Altstetten this would work too.

Thanks,
Steve
Reply With Quote
  #2  
Old 22.10.2015, 17:37
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: Start date for health insurance when new into country

Hi Steve,
Startdate of the health insurance is the date of arriving in Switzerland, up to three months back. So if you arrived for example on September 1st, your health insurance will start on that date.


Lots of Topics in this Forum which will tell you how and what to do.


I'm with SWICA and very happy with them, as they send all correspondance in English, but they aren't the cheapest. Depending on your Needs.
I can put you in contact with my SWICA advisor if you want. Drop me then a private message.


Enjoy your time here in Switzerland, as it's a great Country to live in
Greetings,
Duncan
Reply With Quote
This user would like to thank zurichcouple for this useful post:
  #3  
Old 22.10.2015, 18:09
Newbie 1st class
 
Join Date: Jul 2015
Location: Zurich 8048
Posts: 22
Groaned at 0 Times in 0 Posts
Thanked 8 Times in 6 Posts
Evolvedlight has made some interesting contributions
Re: Start date for health insurance when new into country

Thanks, I've sent you a PM. I went to their website too, and put a start date in the past for the premium calculator. It said this wasn't possible. I guess I need to talk to a real person now?
Reply With Quote
  #4  
Old 22.10.2015, 19:55
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery-Courtion
Posts: 13,546
Groaned at 171 Times in 135 Posts
Thanked 9,667 Times in 5,519 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Start date for health insurance when new into country

The premiums are changing in January so that may be why it's not showing on Comparis. This is the one time of the year when you can change insurers (up to the end of November) so they're all chasing new business or trying to persuade people to switch over.
Reply With Quote
  #5  
Old 22.10.2015, 20:01
Banned
 
Join Date: Jul 2015
Location: Aargau
Posts: 846
Groaned at 322 Times in 159 Posts
Thanked 324 Times in 229 Posts
plumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthy
Re: Start date for health insurance when new into country

Quote:
View Post
Hi Steve,
Startdate of the health insurance is the date of arriving in Switzerland, up to three months back. So if you arrived for example on September 1st, your health insurance will start on that date.
And if the 'date of entry' on your permit is on any day in September, the health insurance will be backdated to September 1st also.
Health insurers won't bill you for anytime spent in Switzerland before the 'date of entry' which appears on the permit, for example if you actually arrived in August but didn't get around to registering until September and you receive a permit with a September date on, you will only be invoiced from September 1st for health insurance!
Reply With Quote
This user would like to thank plumtree for this useful post:
  #6  
Old 01.11.2015, 18:05
Junior Member
 
Join Date: Jun 2014
Location: Geneva
Posts: 49
Groaned at 1 Time in 1 Post
Thanked 7 Times in 5 Posts
ablalarom has earned some respectablalarom has earned some respect
Re: Start date for health insurance when new into country

Hi
I also had this doubt when I was looking for insurance and was told that I'd be billed since my arrival (March 2015). I finally contacted an agent who handled my insurance and they (Assurance) started charging me just from August 1st, and the SAM didn't complain so... I'm not really sure if this happened to anybody else, I was expecting to pay for the 3 first months as well and very happy that it didn't happen.

Good luck!
Reply With Quote
  #7  
Old 03.11.2015, 09:11
Banned
 
Join Date: Jul 2015
Location: Aargau
Posts: 846
Groaned at 322 Times in 159 Posts
Thanked 324 Times in 229 Posts
plumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthy
Re: Start date for health insurance when new into country

Quote:
View Post
I also had this doubt when I was looking for insurance and was told that I'd be billed since my arrival (March 2015). I finally contacted an agent who handled my insurance and they (Assurance) started charging me just from August 1st, and the SAM didn't complain so... I'm not really sure if this happened to anybody else, I was expecting to pay for the 3 first months as well and very happy that it didn't happen.
And you've saved quite a bit of money!
Reply With Quote
  #8  
Old 03.11.2015, 09:35
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Was Belgium now Neuchâtel
Posts: 8,220
Groaned at 60 Times in 57 Posts
Thanked 10,241 Times in 4,924 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Start date for health insurance when new into country

Quote:
View Post
Hi
I also had this doubt when I was looking for insurance and was told that I'd be billed since my arrival (March 2015). I finally contacted an agent who handled my insurance and they (Assurance) started charging me just from August 1st, and the SAM didn't complain so... I'm not really sure if this happened to anybody else, I was expecting to pay for the 3 first months as well and very happy that it didn't happen.

Good luck!
It happened to us too. We were expecting to pay from the start of the month we registered ( deliberately waited a couple of days as we arrived on 28th) but the insurance only charged us from the date we signed up for the insurance so we were effectively let off the first wo months.
Some insurance companies do this and some are pretty rigorous in backdating the premiums to the date of registration. It's the luck of the draw I think.
Reply With Quote
  #9  
Old 03.11.2015, 09:38
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 3,383
Groaned at 62 Times in 32 Posts
Thanked 2,966 Times in 1,470 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: Start date for health insurance when new into country

We printed out next years offer, for the company we wanted off comparis. Then sent it in with a note attached saying the day we wanted the insurance to start. Worked fine. You could also give your chosen company a call.
Reply With Quote
  #10  
Old 03.11.2015, 19:26
BLP's Avatar
BLP BLP is offline
Forum Veteran
 
Join Date: Oct 2014
Location: Vaud
Posts: 676
Groaned at 16 Times in 11 Posts
Thanked 269 Times in 176 Posts
BLP is considered knowledgeableBLP is considered knowledgeableBLP is considered knowledgeable
Re: Start date for health insurance when new into country

Quote:
View Post
It happened to us too. We were expecting to pay from the start of the month we registered ( deliberately waited a couple of days as we arrived on 28th) but the insurance only charged us from the date we signed up for the insurance so we were effectively let off the first wo months.
Some insurance companies do this and some are pretty rigorous in backdating the premiums to the date of registration. It's the luck of the draw I think.
I still need to do this! Any companies you'd recommend? At least I am not too far from the border if I need to use the French one in the meantime
Reply With Quote
  #11  
Old 03.11.2015, 19:28
Junior Member
 
Join Date: Jun 2014
Location: Geneva
Posts: 49
Groaned at 1 Time in 1 Post
Thanked 7 Times in 5 Posts
ablalarom has earned some respectablalarom has earned some respect
Re: Start date for health insurance when new into country

I've been with Assura in 2015 but didn't use it, just paid, so no idea how it works. I've changed to Groupe Mutuel in 2016 'cause it's cheaper and my agent says their time for reimbursing medical expenses is 10-15 days compared to the 30-45 days of Assura. I live in Geneva.
Reply With Quote
  #12  
Old 03.11.2015, 19:37
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Was Belgium now Neuchâtel
Posts: 8,220
Groaned at 60 Times in 57 Posts
Thanked 10,241 Times in 4,924 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Start date for health insurance when new into country

We're with Groupe Mutuel and have not had any problems with them over the past three years.
We have the option of switching to Swica but we're going to stick with what we've got.
Reply With Quote
This user would like to thank Belgianmum for this useful post:
  #13  
Old 04.11.2015, 15:21
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: Start date for health insurance when new into country

We prefer SWICA as they send all correspondance in English
Reply With Quote
  #14  
Old 05.11.2015, 01:46
Newbie 1st class
 
Join Date: Mar 2014
Location: Chur
Posts: 11
Groaned at 8 Times in 2 Posts
Thanked 7 Times in 3 Posts
suicidalguitar has become a little unpopularsuicidalguitar has become a little unpopular
Re: Start date for health insurance when new into country

Quote:
View Post
It happened to us too. We were expecting to pay from the start of the month we registered ( deliberately waited a couple of days as we arrived on 28th) but the insurance only charged us from the date we signed up for the insurance so we were effectively let off the first wo months.
Some insurance companies do this and some are pretty rigorous in backdating the premiums to the date of registration. It's the luck of the draw I think.
That's illegal and you can get a fine because the insurance is mandatory from the 1th day of the month you've got you permit.

Quote:
View Post
We prefer SWICA as they send all correspondance in English
Groupe Mutuel will do it aswell. As other companies... You just need to ask for it.
Reply With Quote
  #15  
Old 05.11.2015, 09:45
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Was Belgium now Neuchâtel
Posts: 8,220
Groaned at 60 Times in 57 Posts
Thanked 10,241 Times in 4,924 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Start date for health insurance when new into country

Quote:
View Post
We prefer SWICA as they send all correspondance in English
Group Mutuel will send everything in English if you ask them. We didn't bother as we're fine with the French ones.

I've done a comprehensive comparison of the two and really can't see the benefit of SWICA over the Group Mutuel policy we already have as to have exactly the same cover SWICA is considerably more expensive. (In Neuchâtel at least)

Quote:
View Post
That's illegal and you can get a fine because the insurance is mandatory from the 1th day of the month you've got you permit.
We didn't ask them to do it. It's been covered on here before and somebody (Odile I believe) contacted the relevant authorities in order to get a definitive answer.
It's obligatory to sign up for basic medical insurance within 3 months of arriving in Switzerland but whereas it's perfectly legal for the companies to back date the policy to the first day of the month of arrival it's not illegal for them to start the coverage from when you apply. Most (but not all) insurance companies will back date the policy as it's in their interests to do so but it's not illegal if they don't.
Reply With Quote
  #16  
Old 12.11.2015, 22:53
Banned
 
Join Date: Jul 2015
Location: Aargau
Posts: 846
Groaned at 322 Times in 159 Posts
Thanked 324 Times in 229 Posts
plumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthy
Re: Start date for health insurance when new into country

Quote:
View Post
That's illegal and you can get a fine because the insurance is mandatory from the 1th day of the month you've got you permit.
It's actually not illegal. There are some circumstances where you do not have to pay from the first day of the month in which you arrive.
Reply With Quote
  #17  
Old 12.11.2015, 23:22
Forum Legend
 
Join Date: Sep 2010
Location: Neuchatel
Posts: 19,378
Groaned at 369 Times in 276 Posts
Thanked 22,385 Times in 10,072 Posts
Odile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond repute
Re: Start date for health insurance when new into country

Not quite BM- it is not illegal to not backdate to first day of the month of arrival- but it is illegal to not charge from date of arrival and only from date you apply.
Reply With Quote
  #18  
Old 13.11.2015, 08:22
Banned
 
Join Date: Jul 2015
Location: Aargau
Posts: 846
Groaned at 322 Times in 159 Posts
Thanked 324 Times in 229 Posts
plumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthy
Re: Start date for health insurance when new into country

The insurance is only backdated as far as the 1st of the month during which you arrived. The month (date) when you officially entered Switzerland is the entry date given in/on your permit.
You don't need to pay for anytime before that (as presumably you are covered by an insurance scheme of your home country/the country you are leaving until the Swiss one takes over).
Your actual physical date of arrival (i.e. if you lived (illegally) here before you registered your arrival in Switzerland) is totally irrelevant.

If you wish to start paying only later than the official date, you will have to ask the health insurance company if they will do this (they can), i.e. waive the amount.
In exceptional circumstances, when the amount that has to be paid for the months which have already gone by, the amount for the 'past' can be waived.
The reason you need to give is that the amount needed to be paid is too onerous for you (and/or your family) to pay.
Be aware though that the insurance company may never even have had such a case where they have waived that amount.
It is not however illegal.
Reply With Quote
  #19  
Old 20.11.2015, 14:12
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Re: Start date for health insurance when new into country

I was under impression that we have three month to organise health insurance and you don't have to back date anything.

For instance, coming from UK I would theoretically be covered by my travel medical insurance for the first 2 month and then take out compulsory health insure in the third month and be fine, potentially saving two month worth of insurance money, is that not the case?
Reply With Quote
  #20  
Old 20.11.2015, 14:19
roegner's Avatar
Forum Legend
 
Join Date: May 2011
Location: Zurich
Posts: 3,057
Groaned at 88 Times in 66 Posts
Thanked 3,089 Times in 1,583 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Start date for health insurance when new into country

As mentioned on this Forum many times:
Yes, you have to arrange within 3 months or an insurance will be arranged for you and that is not the cheapest one.
And no, in most cases it will be backdated to the first of the month you arrived so not much chance of saving the payment for 2 months.
Reply With Quote
Reply

Tags
ausland, health insurance




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
When the Health Insurance must start? jchocholacek Insurance 1 25.09.2012 23:02
Health insurance cover when entering the country pregnant Lize-Marie Family matters/health 2 12.09.2011 17:36
How to proceed when bringing someone without job into the country auspex Other/general 1 04.08.2011 00:01
date of health insurance finesse Insurance 0 14.08.2008 11:43
starting date of the health insurance ivica Insurance 8 10.10.2007 13:26


All times are GMT +2. The time now is 17:33.


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