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  #81  
Old 17.01.2016, 20:36
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Re: Delayed Health insurance Registration

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So you're not where your profile says you are? Where are you then?



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  #82  
Old 17.01.2016, 20:52
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Re: Delayed Health insurance Registration

I work for a Hedge fund. We have a yearly check where we are required to submit our criminal and credit reports to the bank.
I guess a criminal record of this sort will give them a reason to kick me out without having to pay the usual 6 months salary for termination.
As I understand, I have to face the music as when it happens till then I have to live with a sword hanging over my head.
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  #83  
Old 17.01.2016, 20:59
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Re: Delayed Health insurance Registration

Seems to me the HR department where you work should have mentioned the basics when you moved here.
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  #84  
Old 17.01.2016, 21:15
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Re: Delayed Health insurance Registration

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He has signed up for health insurance already from 1st January 2016. ( as he has allegedly just found out he has to pay)
He has been told the fact that he hadn't been paying up to now will be dealt with by the cantonal authorities. He has googled and found out what the possible penalties will be but at the moment it's pure speculation.

I suggested he waits to find out what they say to him before getting into a panic about having a criminal record and not being able to work in Switzerland ( or the EU) in the future.

Nobody has advised him to not get health insurance. Where did you get that idea from?
Funny when you delete but someone's just too quick...
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  #85  
Old 17.01.2016, 21:18
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Re: Delayed Health insurance Registration

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Funny when you delete but someone's just too quick...
Delete what? Post is still there.
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  #86  
Old 17.01.2016, 21:26
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Re: Delayed Health insurance Registration

I did attempt to delete and thought it was done- then the page changed. Done now, hopefully.
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  #87  
Old 17.01.2016, 21:46
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Re: Delayed Health insurance Registration

If you're paying double tax for Switzerland & the UK, I take it you're down on paper as being resident in both countries. Could it be that someone in HR asked you 9 years ago regarding your status and put it through then on record as you being covered via the NHS and international private medical insurance you state you have had all this time. I take it you have the NHS european health insurance card too for travel? Maybe this has also been put through HR all those years ago as your were not seen as being fully resident in CH at that time.

It seems to me you have put yourself on the wrong residency permit and should have remained on a temp one. You are not a full time resident here, are you? Do you spend all your weekends, free time/holidays in the UK?

Go through HR and find out exactly what is on your records from all those years ago.

I wouldn't get your knickers in a twist just yet as you need to unravel where it went wrong and sort it from there.
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  #88  
Old 17.01.2016, 22:10
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Re: Delayed Health insurance Registration

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Well I pay Council tax on our property in the UK- does not make me elegible for NHS care!

G permit is only for 'frontaliers' no? The UK is not border country to Switzerland, is it?
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I work for a Hedge fund. We have a yearly check where we are required to submit our criminal and credit reports to the bank.
I guess a criminal record of this sort will give them a reason to kick me out without having to pay the usual 6 months salary for termination.
As I understand, I have to face the music as when it happens till then I have to live with a sword hanging over my head.
Do you or do you not have BUPA International? You have forgotten that you subnoted that and it was accepted. If that wasn't the case and this goes to a judge then tell them you thought your BUPA was enough. That should show your actions weren't intentional.

Just wait it out. But in the meantime, I agree you should talk to a lawyer. Start with one at your company.
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  #89  
Old 18.01.2016, 09:12
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Re: Delayed Health insurance Registration

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I work for a Hedge fund. We have a yearly check where we are required to submit our criminal and credit reports to the bank.
I guess a criminal record of this sort will give them a reason to kick me out without having to pay the usual 6 months salary for termination.
As I understand, I have to face the music as when it happens till then I have to live with a sword hanging over my head.
I suspect they can throw you out with out paying any notice if you get a criminal record, don't assume you will get anything at all.
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  #90  
Old 18.01.2016, 09:51
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Re: Delayed Health insurance Registration

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I suspect they can throw you out with out paying any notice if you get a criminal record, don't assume you will get anything at all.
I suspect BS? How can anybody not manage to pay the mandatory insurance for 9 years but pay for various other insurances? And the I chose a 'B' over a 'C' does not add up either. You can't apply for a 'C' permit, you get one if you meet the Kantonal requirements or you get another 'B' if you don't.
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  #91  
Old 18.01.2016, 10:01
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Re: Delayed Health insurance Registration

With regard to the tax issue comment "nobody pays taxes in two countries"...

Yes they do. I commute here each week, and because I have a house and family in the uk am legally classed as resident in both countries. The swiss tax me on my swiss income, pus worldwide wealth. The uk tax me on the difference between what I pay the swiss and would have paid the uk if I'd earnt it there.

The b*s*ds seem to actually want to make you leave the UK. But I'm here for 5 years max.

I sympathise with the OPs plight as the medical insurance issue is very complicated when you pay tax in two countries. You are covered by NHS/ehic - but when does it end? If i go to UK for the weekend and back to CH on monday, does the 3 months grace period reset? Especially if you have UK private cover too, which for some reason it looks like the swiss disregard.
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  #92  
Old 18.01.2016, 10:02
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Re: Delayed Health insurance Registration

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I suspect they can throw you out with out paying any notice if you get a criminal record, don't assume you will get anything at all.
He isn't, in fact quite the opposite. He seems to be well aware that he can/will be fired without notice should he acquire a criminal record.

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I suspect BS? And the I chose a 'B' over a 'C' does not add up either. You can't apply for a 'C' permit, you get one if you meet the Kantonal requirements or you get another 'B' if you don't.
As with so many things here that varies from canton to canton.
Some cantons you have to request a C when renewing a B, some cantons give it automatically, some require language proficiency and some don't. It's perfectly easy to get another B rather than a C on permit renewal if that's what you want.
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  #93  
Old 18.01.2016, 10:14
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Re: Delayed Health insurance Registration

In Zürich you get a 'C' if you meet the requirements, you have to go back to the Gemeinde/Kreisburo and ask for a 'B' if you don't want it.
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  #94  
Old 18.01.2016, 10:23
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Re: Delayed Health insurance Registration

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When I applied for extension, they asked me whether I would like "B" or "C" permit. I chose B permit as the person said there is not much difference between B and C.
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In Zürich you get a 'C' if you meet the requirements, you have to go back to the Gemeinde/Kreisburo and ask for a 'B' if you don't want it.
He was allegedly asked if he wanted a B or a C. Nothing weird there. Many people choose to maintain a B rather than get a C for all sorts of reasons.

Presumably if he'd chosen a C they would have requested additional documentation to ensure he fulfilled the requirements ( language certificate, debt extract, etc etc).
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  #95  
Old 18.01.2016, 10:29
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Re: Delayed Health insurance Registration

The crucial word in your last statement is alledgedly , that's not how it works in Kanton ZH
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  #96  
Old 18.01.2016, 10:44
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Re: Delayed Health insurance Registration

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With regard to the tax issue comment "nobody pays taxes in two countries"...

Yes they do. I commute here each week, and because I have a house and family in the uk am legally classed as resident in both countries. The swiss tax me on my swiss income, pus worldwide wealth. The uk tax me on the difference between what I pay the swiss and would have paid the uk if I'd earnt it there.

The b*s*ds seem to actually want to make you leave the UK. But I'm here for 5 years max.

I sympathise with the OPs plight as the medical insurance issue is very complicated when you pay tax in two countries. You are covered by NHS/ehic - but when does it end? If i go to UK for the weekend and back to CH on monday, does the 3 months grace period reset? Especially if you have UK private cover too, which for some reason it looks like the swiss disregard.
Given that you seem to be in a fairly similar position, perhaps it would help the OP if you said what you've done/found out about obtaining swiss health insurance (or not)?
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  #97  
Old 18.01.2016, 10:44
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Re: Delayed Health insurance Registration

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The crucial word in your last statement is alledgedly , that's not how it works in Kanton ZH
That's exactly how it worked for a couple of friends of mine. They were asked when the went to renew their B and they chose to get another B rather than a C.( in October 2015 so very recently)
My understanding is that since they introduced the language requirement for obtaining a C permit in Zurich ( unless you happen to be one if the exempt nationalities) they always offer the option of keeping a B or changing to C. My friends were told that they could request a C at any time during the 5 year validity of the B ( with all the necessary documentation) and didn't have to wait until the 5 years were up.

All this is irrelevant to the discussion anyway. The health insurance is the important part.
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Old 18.01.2016, 10:45
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Re: Delayed Health insurance Registration

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The crucial word in your last statement is alledgedly , that's not how it works in Kanton ZH
Joe, that might well not be how it worked in your Gemeinde in canton ZH, but do be careful of sweeping statements.

We have seen over and over and over again that there is often inconsistency in applying regulations, let alone practices, from one canton to another, from one Gemeinde to another in the same canton, from one bureaucrat to another in the same Gemeinde.

We all need to remember that our own experiences might not necessarily be what others experience in similar situations. TIS.

Now back to health insurance...
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Old 18.01.2016, 10:47
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Re: Delayed Health insurance Registration

Yes, let's do that. I don't believe this story.
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  #100  
Old 18.01.2016, 13:59
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Re: Delayed Health insurance Registration

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Yes, let's do that. I don't believe this story.
I'm thinking the same. This is slowly beginning to reek of fraud. They've been caught out and now somebody is trying to get as much info as they can to get themselves off the hook.
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