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  #21  
Old 12.05.2016, 00:02
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Re: I can't get health insurance without my residence permit?

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Hi


I am sorry to say but the Information you get here so far do not help your Problem. Fact is, that if you do not have an insurance and you do have a medical Problem, no insurance will take over the cost - they will exclude the Treatment of the Problem you had PRIOR the application, as Long as you have known it (and they will find out that you have known the Problem).


So with this Situation I can only hope that you are well insured in your Country and ask there whether they are going to pay the expenses for swiss doctors or whether you Need to travel home. If you also don't have an insurance at home than I think there are some real (financial) Problems for you and you should immediately search a specialist, it is not a trivial Situation as the Treatment can easily cost several 100k.


Hope you get it solved soon and all the best. C
As another confirmation - this information is absolutely not correct. We arrived in Switzerland in 2011, and Mr HH had cancer recurrence already known before we moved here. All his treatment costs have been covered by his basic insurance.
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  #22  
Old 12.05.2016, 08:31
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Re: I can't get health insurance without my residence permit?

How this plays out is going to depend heavily on what your Passport country is. And the sort of medical care that you need. If you can clarify this then that will help people to give better advice.

If you are from the UK, on a UK passport, then it should have been no problem to get a permit, provided that your employer has done the correct process. Whilst you may not have the physical passport, you should have gone to the town hall within two weeks of arriving and registered, and if you ask they will give you a 'registration paper' that confirms that you are registered, and then you can use that to get the health insurance.

The problem is, I think a lot of us are suspicious that your employer hasn't done the right thing to register you properly.

If you are non-EU then very likely your employer has employed you illegally as they have not followed the correct process (Non-EU au pairs need to be employed via a registered agency and the permit has to be obtained before you arrive). There is *No Way* a Non-EU person can arrive and work without first getting a permit.

Do you know that you are actually registered at the town hall now ? Or is it just what your employer is saying ? Are you living with the host family in their home ?

Your country may have a reciprocal health care arrangement with Switzerland, but if it's not urgent medical needs, then you are expected to go home for health treatment.

According to this au pair agency, it is normal for the host family to pay half the health insurance.
https://www.aupairworld.com/en/au_pa...am/switzerland

Do you know that you are 'actually' registered with the town hall and that the work permit is a formality. If so, you should know which town hall you went to (you go there yourself) and you can go there, ask them to help you understand your status, and find out if you are actually permitted to be working and living in Switzerland whilst you wait for the permit. If you are legitimate, then you can tell them you are having trouble getting the health insurance and if they can issue you a paper permit (might cost a bit of money, in Zurich they cost us 30chf each)... so that you can get the health insurance sorted.

According to this link, the health insurance is paid by your host family, this is normal for 'au pairs' - so the cost of another insurer, one that is less difficult to sign up with - might be not a problem, in fact, it could be your employer's problem - they need to make sure you get insured.

Personally, I'd be very suspicious that your employer either doesn't understand the system at all, or is deliberately misleading you.

Normally the insurance is retro-active, so be aware that when the insurance does come through, it may be back-dated to the date of entry, and they will make you pay for the whole period - is your employer paying for this, taking it from your salary, or waiting until it actually gets sorted out ?
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  #23  
Old 20.06.2016, 03:17
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Re: I can't get health insurance without my residence permit?

its all very well quoting what the law says but until you try, you will not know the problem the OP suffered, which I can attest to.

it took me 2 years before i got my permit in lugano and i'm an EU citizen. my wife got hers in a week and she's not an EU citizen. during this time, i could NOT get health insurance despite being registered as a resident with the city. every time i went to the migration office to ask about it, they said don't worry - it just takes some time.

fortunately i had US international insurance but without that I can't see what you would do if you needed expensive treatment.

why does everyone jump on the poor person and their employer as having done something wrong / illegal?

the fact is there are several areas of the law that say you need to do X within Y months of moving to switzerland and they all lead to grey areas if you don't get your permit within the time period of Y months, as X isn't possible without a physical permit - no matter what documents you have saying you have applied for it.
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  #24  
Old 20.06.2016, 03:33
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Re: I can't get health insurance without my residence permit?

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its all very well quoting what the law says but until you try, you will not know the problem the OP suffered, which I can attest to.

it took me 2 years before i got my permit in lugano and i'm an EU citizen. my wife got hers in a week and she's not an EU citizen. during this time, i could NOT get health insurance despite being registered as a resident with the city. every time i went to the migration office to ask about it, they said don't worry - it just takes some time.

fortunately i had US international insurance but without that I can't see what you would do if you needed expensive treatment.

why does everyone jump on the poor person and their employer as having done something wrong / illegal?

the fact is there are several areas of the law that say you need to do X within Y months of moving to switzerland and they all lead to grey areas if you don't get your permit within the time period of Y months, as X isn't possible without a physical permit - no matter what documents you have saying you have applied for it.
Thank you! I have actually decided to move back to London and will leave Lugano at the end of July. There was no other choice as I need medical treatment now and there was no way to get health insurance without the actual b permit.
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  #25  
Old 20.06.2016, 04:03
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Re: I can't get health insurance without my residence permit?

sorry to hear that. i'm not sure how involved or lengthy your treatment needs are but it's a pity you can't just return for treatment.

as the UK has no such think as official 'residence' you can get NHS treatment just with an 'address' which could be a family member's house or a place you only spend a few days a year at.
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  #26  
Old 23.06.2016, 18:40
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Re: I can't get health insurance without my residence permit?

If there is no solution you can try to buy an insurance from your country that covers you in Switzerland. Just in case.
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  #27  
Old 29.06.2016, 19:17
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Re: I can't get health insurance without my residence permit?

Seems like this is a grey area in CH. They give you 3 months to get insured, which is enough in many cases to get the permit and in some cases it's not.Went to SWICA another day and the answer was no, so went to Helsana and got insured with no problem without a permit, residence card sufficed. So it seems that health insurance companies are able to make their own desicions on whether to insure a person without a permit.
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