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Old 23.05.2015, 22:54
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Disability Insurance (IV) - query

I am in Switzerland since April 14 on L permit. I am from Non EU.

Can my daughter get IV Rehabilitation measures?
Our doctor has only recommended to apply for IV.
Before applying i would like to know whether is she eligible.She was born in Feb2015.

What if IV is not approved, but she is having Swiss health insurance. Will this be sufficient for any operation in coming days? What is the role of IV here?

If I leave Switzerland after one year, does IV matters in her case?

Please help me to understand this in better way.

Thanks in advance!
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Old 24.05.2015, 00:29
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Re: Disability Insurance (IV) - query

The invalid insurance is very slow, it will take many months before you get a decision from them. If your child was not born in Switzerland, do you think she is entitled to IV payments?

The Swiss medical insurance will cover any necessary operations on your daughter, and will also cover previous medical problems. The premium payments are low for children, you have to pay the premiums from the day she arrived here.
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Old 24.05.2015, 00:37
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Re: Disability Insurance (IV) - query

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The invalid insurance is very slow, it will take many months before you get a decision from them. If your child was not born in Switzerland, do you think she is entitled to IV payments?
Well from what I recall children diagnosed with disabilities under a certain age are the responsibility of the Kanton not the insurance companies regardless of where they were born. I assume that is what the doctor was referring to.
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Old 24.05.2015, 00:45
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Re: Disability Insurance (IV) - query

Although these links don't answer all your questions, they are perhaps a good place to start, to help understand the difference between "medical insurance" (called Krankenkasse in German) and the "disability insurance" (called IV in German, which stands for Invalidenversicherung):

https://www.ch.ch/en/basic-health-insurance-services/

https://www.ch.ch/en/health-insurance-baby/

https://www.ch.ch/en/care-sick-child/

https://www.ch.ch/en/social-insuranc...ign-nationals/

https://www.ch.ch/en/family-allowances/

and finally this one will at least begin to point you to some information about the IV
https://www.ch.ch/en/medical-aids-ahv-iv/
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Old 24.05.2015, 00:46
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Re: Disability Insurance (IV) - query

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Well from what I recall children diagnosed with disabilities under a certain age are the responsibility of the Kanton not the insurance companies regardless of where they were born. I assume that is what the doctor was referring to.
Hi Jim, could you please supply a link to this info? Thanks.
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Old 24.05.2015, 01:06
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Re: Disability Insurance (IV) - query

Thanks for quick response.
She is born in University hospital, Zurich.
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Old 24.05.2015, 01:09
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Re: Disability Insurance (IV) - query

As she was born here, she is entitled to invalid insurance (Invalid Versicherung, IV). They are very slow in making a decision.

Go to your AHV office, the IV claim is made there.
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Old 24.05.2015, 01:18
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Re: Disability Insurance (IV) - query

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As she was born here, she is entitled to invalid insurance (Invalid Versicherung, IV). They are very slow in making a decision.

Go to your AHV office, the IV claim is made there.
Thanks Sbrinz.

I doubt that IV will be granted for her, coz there is a clause that I should complete one year by the time the baby is born to claim for IV. Unfortunately by the time she born, I completed only 10 months in Swiss.

Therefore would like to know, in case the IV is rejected, Can i get the operation done with general health insurance ? or manage for next 10 months?

PS- I was here earlier also in 2011 and 2012 with same L permit. with a break of 12 months(due to permit issue) I resumed again. will this help in any way?
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Old 24.05.2015, 01:28
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Re: Disability Insurance (IV) - query

In making a claim, make sure you have all your doctors' reports lined up. Since your daughter is very young, and you are thinking about operations and the IV, I presume she already has apparent physical/medical needs.
If I were in your postion, I would insist that every doctor, from the start, gives you a copy of every single report ever written about her. If the hospital says they will write to the GP or the pediatrician, ask them to copy you in. Sometimes they will, sometimes they won't. Then, ask the recipient doctor to make you a copy. Ideal is if you can gain a confident, reliable E-Mail connection to a doctor, but this is rare. The alternative is to say, at every appointment, that you want all the papers (all the test results, all the blood tests, all the reports of every scan and every examination, etc.) and that's fine, you don't mind waiting right here in the waiting room, after having seen the doctor, while his/her receptionist has made all the photocopies. Don't leave without them.

With all these documents, you can build your own medical record about your daughter's health situation. Keep a strict diary of every step you take. Date everything.

Before each appointment with a doctor or therapist, write down all your questions. In the appointment, declare openly that you need to consult your list, so as not to forget anything. Write down the answers in front of the doctor, or ask him/her to write them down right there in your book, especially the names of medications and medical procedures, or any diagrams.

Write up a record of any phonecalls you have with the doctors, therapists, the representatives of the medical insurance and with the IV.

I encourage you to do this because of the warnings others here have written, that the IV can be slow. You will speed things up if you have every single document at your fingertips. And also if you read all you can about all the procedures/steps of the IV.


EDIT: Sorry, this post crossed with your last post, premchand.
First of all, your medical insurance for your daughter should cover her medical treatment. That includes seeing doctors, attending therapies, hospital stays, necessary operations and medication. The IV is there for covering the costs arising out of the ways she has to cope with the disability. For example, if she has a hearing impairment which could be treated through an operation, then those bills would be covered by the medical insurance. If she then needed hearing aids, then the IV is responsible.
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Old 24.05.2015, 01:41
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Re: Disability Insurance (IV) - query

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In making a claim, make sure you have all your doctors' reports lined up. Since your daughter is very young, and you are thinking about operations and the IV, I presume she already has apparent physical/medical needs.
If I were in your postion, I would insist that every doctor, from the start, gives you a copy of every single report ever written about her. If the hospital says they will write to the GP or the pediatrician, ask them to copy you in. Sometimes they will, sometimes they won't. Then, ask the recipient doctor to make you a copy. Ideal is if you can gain a confident, reliable E-Mail connection to a doctor, but this is rare. The alternative is to say, at every appointment, that you want all the papers (all the test results, all the blood tests, all the reports of every scan and every examination, etc.) and that's fine, you don't mind waiting right here in the waiting room, after having seen the doctor, while his/her receptionist has made all the photocopies. Don't leave without them.

With all these documents, you can build your own medical record about your daughter's health situation. Keep a strict diary of every step you take. Date everything.

Before each appointment with a doctor or therapist, write down all your questions. In the appointment, declare openly that you need to consult your list, so as not to forget anything. Write down the answers in front of the doctor, or ask him/her to write them down right there in your book, especially the names of medications and medical procedures, or any diagrams.

Write up a record of any phonecalls you have with the doctors, therapists, the representatives of the medical insurance and with the IV.

I encourage you to do this because of the warnings others here have written, that the IV can be slow. You will speed things up if you have every single document at your fingertips. And also if you read all you can about all the procedures/steps of the IV.


EDIT: Sorry, this post crossed with your last post, premchand.
First of all, your medical insurance for your daughter should cover her medical treatment. That includes seeing doctors, attending therapies, hospital stays, necessary operations and medication. The IV is there for covering the costs arising out of the ways she has to cope with the disability. For example, if she has a hearing impairment which could be treated through an operation, then those bills would be covered by the medical insurance. If she then needed hearing aids, then the IV is responsible.
Thanks for valuable inputs.
I will follow them. Example is really helpful.
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Old 24.05.2015, 02:15
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Re: Disability Insurance (IV) - query

I know someone who got help from 'pro infirmis' to fill out the relevant forms. i suggest you make contact with them (they are a disability charity).

Also, your paediatrician should be able to help or give you advice on who to contact for support.

Depending on her specific disability or illness, there should be an association or charity that matches her needs, and they should be a good point of contact.

You could also contact 'all special kids' which is an english-/speaking support group for parents with kids who have special needs.

I have not heard the 12 month residency rule. But I am pretty sure the rule is that your child either has to be born in Switzerland, on a C permit or a citizen to qualify. My son has some additional needs and does not qualify for IV and we had to make sure that was clear with the paediatriican and psychologist but the health insurance has covered about 40% of his assessment and therapy costs and the School psychologist supported him once he was over 4.5 and much of what he needed fell under the school system for developmental and behaviour assessment, psycomotorik and psychological therapy, and the Gemeinde agreed to pay, but under 4.5 it all goes through the Paediatrician...

best to get the process started as soon as possible, as it does take time and you want to make sure you have all possible supports in place before it starts to cost money...

And yes, there will be a lot of paperwork so the advice to make sure you keep copies and lists of everything and even maybe a diary (it can also help you to take notes either during or directly after appointments as it can get quite overwhelming).

The year we were doing assessment for my youngest child, I also had some appointments for my eldest and also my middle child who has a chronic medical condition, and that year I counted 31 medical and therapy appointments in one year, it was not only time-consuming, it was also mentally exhausting.
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