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Old 17.03.2016, 11:04
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Health Insurance - starts on entry not actually when you get your B-Permit?

Hello All,

Myself and my partner have relocated to Switzerland as two self-employed individuals. We entered Switzerland on Dec 1st 2015 - however we only finally got our B-Permits delivery on March 7th 2016.

Up until this point we were not entitled to our health insurance becuase we didn't have our B-Permit in our hands. Now they wish to start our insurance premimum from Dec 1st 2015 not March 1st 2016 which is the only month I have been able to have entitlement to access health services here in Switzerland.

How can they charge for services you couldn't access? How can this be legal? We are currently questioning our health insurer about this - any assistance or guidance to Swiss legislation would be appreciated by forum members.

Many thanks for any help.

Abbey
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Old 17.03.2016, 11:07
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Re: Health Insurance - starts on entry not actually when you get your B-Permit?

You have to register as from the day you enter the country to work here and not from the day you receive your permit.


You have access to health insurance as from day 1 so you´d have to pay as from day 1.
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Old 17.03.2016, 11:11
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Re: Health Insurance - starts on entry not actually when you get your B-Permit?

But you could have accessed them if you'd needed to. The insurance would have reimbursed you for any medical expenses incurred above your franchise even though you didn't have your pet it in hand. It's the month you register that counts not when you receive the actual permit.

Having said that December 1st is a pretty bad time to start health insurance in terms of reaching franchise before the end of the year so you'd probably have had to pay the total amount anyway. ( unless you were really really ill and needed expensive treatment or had a very low franchise).
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Old 17.03.2016, 11:27
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Re: Health Insurance - starts on entry not actually when you get your B-Permit?

From where did they get the information that you entered in December?
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Old 17.03.2016, 13:20
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Re: Health Insurance - starts on entry not actually when you get your B-Permit?

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From where did they get the information that you entered in December?
From the place where they registered to get their permits I presume.
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Old 17.03.2016, 13:32
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Re: Health Insurance - starts on entry not actually when you get your B-Permit?

Yea you have to pay from December 1st and you were entitled to use the Swiss health and insurance System from December 1st!
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