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Old 04.09.2016, 22:10
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Health insurance in UK for Swiss student

My kid is planning to start studies in UK, so I just wonder how does that work with a health insurance for a student coming from Switzerland (permit C holder from EU). I know it shall be OK as long as student comes from EEU and stays under NHS terms. However, if I get it right, this is only for a basic insurance. I have tried to approach our current Swiss insurance (Sanitas), and they basically suggested the same package which is now. Seems a bit too much expensive to have Swiss insurance, which not sure if really will cover everything there (i.e. private doctor visits, some basic dental care, etc). Any other options? Many thanks in advance!
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Old 04.09.2016, 22:15
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Re: Health insurance in UK for Swiss student

They will be covered for treatment under the NHS in the UK. This covers everything you could ever need in the UK. I would keep their Swiss health insurance, because if they are ill or injured I'm sure that they would want to come home for treatment. You don't need anything else whilst in the UK.
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Old 04.09.2016, 22:20
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Re: Health insurance in UK for Swiss student

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My kid is planning to start studies in UK, so I just wonder how does that work with a health insurance for a student coming from Switzerland (permit C holder from EU). I know it shall be OK as long as student comes from EEU and stays under NHS terms. However, if I get it right, this is only for a basic insurance. I have tried to approach our current Swiss insurance (Sanitas), and they basically suggested the same package which is now. Seems a bit too much expensive to have Swiss insurance, which not sure if really will cover everything there (i.e. private doctor visits, some basic dental care, etc). Any other options? Many thanks in advance!
Try Denplan for private dental care. The most basic which covers everything but lab costs (if you need moulds or braces etc) including cleaning, xrays, regular check ups and up to a certain amount of treatments ( fillings, extractions) etc is around £19 per month. The premium goes up depending upon an assessment made by the dentist. I've been very happy with it. It can be tricky finding an NHS dentist.

As for private healthire, there is Bupa, which may be the most well known but if you go on www.moneysaving expert.com you'll be able to do a search and compare. I can't recommend any, we don't have private UK health care.

Is your son/daughter going to university? They will be required to register with a local gp I imagine, or the local medical centre. The university should be able to provide you with a lot of information.
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Old 05.09.2016, 23:03
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Re: Health insurance in UK for Swiss student

Thanks a lot for responses, even if I am still not entirely sure - just quick check on web showed apprx. 19 GBP/month for Healthcare plan + apprx. 75 GBP/month for private insurance, which combined is still cheaper than projected Sanitas costs of 250 CHF/month or so. Unless I am missing some essential point here...

Definitely checking with local university GP during registration is a must, it is just need to be fast with a decision - I believe cancellation of Swiss insurance shall be done till November for next year, in order to avoid paying twice.
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Old 06.09.2016, 10:58
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Re: Health insurance in UK for Swiss student

You probably don't need private UK insurance. Obviously canceiling your Swiss insurance is up to you. Would your child need it for holidays spent here etc?
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Old 06.09.2016, 22:50
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Re: Health insurance in UK for Swiss student

Well, I believe yes - insurance during a visit is required. It is probably either taken as "travel insurance" if all settled in UK, or just normal insurance if staying with Swiss insurance.
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Old 07.09.2016, 09:52
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Re: Health insurance in UK for Swiss student

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Well, I believe yes - insurance during a visit is required. It is probably either taken as "travel insurance" if all settled in UK, or just normal insurance if staying with Swiss insurance.
If you are a visitor from the European Economic Area (EEA) and you fall ill or have a medical emergency during your temporary stay in England, then you'll need a valid European Health Insurance Card (EHIC) issued by your home country. If you can't show a valid EHIC, you may be charged for your treatment.

The regulations on access to healthcare in the EEA also apply to Switzerland.

http://www.nhs.uk/NHSEngland/AboutNH...m-the-eea.aspx
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Old 07.09.2016, 10:27
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Re: Health insurance in UK for Swiss student

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Well, I believe yes - insurance during a visit is required. It is probably either taken as "travel insurance" if all settled in UK, or just normal insurance if staying with Swiss insurance.
Assuming their is no intention to give up the C permit (or put it on hold), Swiss insurance needs to be paid. It's not clear if the Swiss will accept that they are still living in CH.
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Old 07.09.2016, 22:51
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Re: Health insurance in UK for Swiss student

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If you are a visitor from the European Economic Area (EEA) and you fall ill or have a medical emergency during your temporary stay in England, then you'll need a valid European Health Insurance Card (EHIC) issued by your home country. If you can't show a valid EHIC, you may be charged for your treatment.

The regulations on access to healthcare in the EEA also apply to Switzerland.

http://www.nhs.uk/NHSEngland/AboutNH...m-the-eea.aspx
Unfortunately, EHIC is only for emergency treatment, and does not include such things as transportation and etc. On top of it, there are actual differences of EHIC coverage in countries, so one does not equal other (contrary to popular belief). Hence it is advisable to have travel insurance if doubt.

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Assuming their is no intention to give up the C permit (or put it on hold), Swiss insurance needs to be paid. It's not clear if the Swiss will accept that they are still living in CH.
C permit will need to be put on hold (provided gemeinde will agree), as there will be no permanent stay.
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Old 23.09.2016, 16:51
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Re: Health insurance in UK for Swiss student

I don't have the source in front of me right this minute, but I was looking this up just two weeks ago.

If studying in the UK and not working or earning any income - and assuming in the UK as a student for more than 12 months - then you are required to have comprehensive insurance. The NHS alone is not considered to meet comprehensive requirements.

I might have seen this on a UCAS or other GOV site.
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Old 23.09.2016, 17:30
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Re: Health insurance in UK for Swiss student

This, for example, is a helpful guide: https://www.freemovement.org.uk/comp...-who-needs-it/
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Old 23.09.2016, 18:09
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Re: Health insurance in UK for Swiss student

Our daughter just went off to the UK for Uni and we had to pay a NHS surcharge for the 3 years she will be there- did you not have to do that?
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Old 23.09.2016, 18:31
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Re: Health insurance in UK for Swiss student

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Our daughter just went off to the UK for Uni and we had to pay a NHS surcharge for the 3 years she will be there- did you not have to do that?
I imagine you are non-EEA?

EEA students are covered by the NHS for free
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Old 24.09.2016, 16:09
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Re: Health insurance in UK for Swiss student

Ah, yes, Porsch, you are correct! I missed that in the OP's original question. Guess it helps if I read it thoroughly!
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Old 29.09.2016, 20:34
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Re: Health insurance in UK for Swiss student

Hi,

I've been looking into this for my son as well. As far as I can gather, during his time in the UK, he will be covered for all the basic things, including hospitalisation, by the NHS -- provided he has an EHIC card. A normal Swiss Krankenkasse will provide you with a Versichrungskarte and that card is also an EHIC, so you would need to show it in the UK in order to be covered by the NHS.

However, most Swiss health insurers will not cover you if you de-register from Switzerland or put your permit "on hold". If you leave the country for more than 6 months in the year, then (from what we've been told) you must de-register -- it's not optional and you will be checked at the airport when you arrive back. And practically every student will be out of the country for more than 6 months per year unless they're coming home weekends and every other possible opportunity.

As it happens my son is also a Swiss citizen and he had to de-register in order to not run afoul of the authorities regarding his Swiss military service. But even if that weren't the case, he would still have needed to de-register because he'll be away for more than 6 months.

This seems to me to be a catch-22 situation: to be covered in the UK you need an EHIC card and Swiss insurance; to get Swiss insurance and an EHIC card you need to be registered as living in Switzerland!

If anyone has evidence proving me wrong I would love to hear it, as this is what we've been told by the Swiss federal authorities so far.

Last edited by dehansen; 29.09.2016 at 21:13.
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