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Old 23.03.2016, 13:18
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What if I don't pay my compulsory insurance?

Hi all,

I asked a related question earlier this month. I left Switzerland last year but forgot to announce my departure. Since I closed my previous compulsory insurance last August, OCP signed me up to another insurance (Groupe Mutuel, which is 3 times more expensive than my old one...) I am trying to get my attestation from OCP to close this stupid contract now but as all know, OCP works in mysterious way and it is almost impossible to get a lot of information from them about the progress or even whether my application is accepted instead of thrown away due to missing documents or mistakes in the form.

So I wonder, since I am not living in Switzerland anymore and I don't have address or bank account registered (old ones closed and money transferred). Can I simply ignore the whole thing? What can they do anyway? Issue a global wanted list?

Thanks.
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Old 23.03.2016, 13:31
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Re: What if I don't pay my compulsory insurance?

Why did you not leave Geneva correctly, and resign officially from Switzerland? You must do this in person, writing to them is not good enough. Can you come back for an hour and resign officially?

You will still be liable for the health insurance, and probably a few others as you have not officially left Geneva, and are still living here. Your debts will be recorded at the Office des Poursuites in Geneva. These debts can eventually be sold on, and you can then be chased by the world wide debt collectors. The choice is yours.
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Old 23.03.2016, 13:38
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Re: What if I don't pay my compulsory insurance?

Your comuilsory insurance is just one issue.
We did leave in the past but did the whole red tape saga in order that we retained our C permits for returning later. In order to break contracts etc / you need your attestation but that requires a final tax return. Actually it was expedited very quickly at the commune. Whether they will be kind and issue a backdated attestation is obviously also unknown and you seem to be having difficulty.
Whether they will come for you is a matter of how much and where you live now. If you have significant exposure you may want to get some proper advice.
Just one further word of warning. I know of guys that have been stopped on reentering Switzerland as they obviously may (probably will) put a marker on you. One chap got stopped because they considered that he had sold certain assets knowing he was leaving Switzerland which has a tax consequence. It was very unpleasant not exactly the same but just a warning what can happen. If you have any future desire of going back then you obviously must sort it out. Personally I would try to sort it out properly and see if they will give you a backdated attestation. Depends whether you feel like having this hang over you.
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Old 23.03.2016, 13:44
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Re: What if I don't pay my compulsory insurance?

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Why did you not leave Geneva correctly, and resign officially from Switzerland? You must do this in person, writing to them is not good enough. Can you come back for an hour and resign officially?

You will still be liable for the health insurance, and probably a few others as you have not officially left Geneva, and are still living here. Your debts will be recorded at the Office des Poursuites in Geneva. These debts can eventually be sold on, and you can then be chased by the world wide debt collectors. The choice is yours.
Thanks. I didn't know I need to resign officially and I thought as long as I close all my contracts (insurance and bank accounts) and let my permit expire then all will be fine.

I will try to come back to Geneva next Monday or this Friday and see what I can do (I am living in Paris so it is like 3 hours travel). Are you sure that the whole thing can be settled by one visit to the OCP? Can they even issue the attestation de depart (for canceling the current insurance) on the spot?
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Old 23.03.2016, 14:12
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Re: What if I don't pay my compulsory insurance?

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I know of guys that have been stopped on reentering Switzerland as they obviously may (probably will) put a marker on you. One chap got stopped because they considered that he had sold certain assets knowing he was leaving Switzerland which has a tax consequence.
The only asset that would have tax consequences is selling a house, sounds unlikely TBH.
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Old 23.03.2016, 14:18
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Re: What if I don't pay my compulsory insurance?

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The only asset that would have tax consequences is selling a house, sounds unlikely TBH.
Either way I was a student in Geneva and I paid instead of got paid so I don't see why there should be any tax for me.
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Old 23.03.2016, 14:55
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Re: What if I don't pay my compulsory insurance?

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Thanks. I didn't know I need to resign officially and I thought as long as I close all my contracts (insurance and bank accounts) and let my permit expire then all will be fine.

I will try to come back to Geneva next Monday or this Friday and see what I can do (I am living in Paris so it is like 3 hours travel). Are you sure that the whole thing can be settled by one visit to the OCP? Can they even issue the attestation de depart (for canceling the current insurance) on the spot?
That won't do you much good. It's Good Friday so office will be closed and possibly on Monday too. Check they'll be open before you travel otherwise you'll have a wasted journey.
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Old 23.03.2016, 15:58
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Re: What if I don't pay my compulsory insurance?

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That won't do you much good. It's Good Friday so office will be closed and possibly on Monday too. Check they'll be open before you travel otherwise you'll have a wasted journey.
OCP is usually closed on Friday and Monday in your Canton?

I can't remember which day I went in the past but from their website it says Monday to Friday though

http://ge.ch/population/nous-contacter
----------------------------------------
POUR NOUS CONTACTER

Horaires guichets
Les guichets de l'office sont ouverts au public :

Lundi, Mardi, Jeudi et Vendredi de 7h30 à 13h30
Mercredi de 9h00 à 16h30
--------------------------------------------
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Old 23.03.2016, 16:01
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Re: What if I don't pay my compulsory insurance?

It's Easter. Both Good Friday and Easter Monday are public holidays here.
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Old 23.03.2016, 16:03
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Re: What if I don't pay my compulsory insurance?

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It's Easter. Both Good Friday and Easter Monday are public holidays here.
But good Friday isn't in France so it's understanble that the OP didn't realise it's a holiday here. (Easter Monday is a holiday in France too though)
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Old 23.03.2016, 16:13
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It's Easter. Both Good Friday and Easter Monday are public holidays here.
wow, never noticed that (cos I was student there)

Thanks for the reminder. I will try next Wednesday then.

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But good Friday isn't in France so it's understanble that the OP didn't realise it's a holiday here. (Easter Monday is a holiday in France too though)
Was not aware both countries celebrate Easter Monday... was actually thinking to use the holiday to visit OCP so that I don't need to ask for leave :/

Last edited by 3Wishes; 23.03.2016 at 17:48. Reason: merging consecutive replies
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Old 23.03.2016, 17:17
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Re: What if I don't pay my compulsory insurance?

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wow, never noticed that (cos I was student there)

Thanks for the reminder. I will try next Wednesday then.
So you went to school on public holidays?!

http://www.officeholidays.com/countries/switzerland/

And in some parts of France Good Friday is a public holiday.

http://www.timeanddate.com/holidays/france/good-friday
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Old 23.03.2016, 17:35
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Re: What if I don't pay my compulsory insurance?

This was an interesting link - it claims Good Friday would be a national Holiday and Easter Monday not. Whereby I work in Ticino and its just the opposite for us...(except that we are given Friday off now anyway thanks to the nice owner of the company..)
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Old 23.03.2016, 19:08
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Re: What if I don't pay my compulsory insurance?

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So you went to school on public holidays?!

http://www.officeholidays.com/countries/switzerland/

And in some parts of France Good Friday is a public holiday.

http://www.timeanddate.com/holidays/france/good-friday
I was a graduate student (technically still am) and we don't need to go to class every day. Especially after the first year when we finished all compulsory classes and can focus on writing papers, holidays or not is of little difference.
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Old 24.03.2016, 20:13
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Re: What if I don't pay my compulsory insurance?

OMG!

I just received the Attestation de Depart in my mailbox today! And it seems the attestation was issued on March 15, shortly after I submitted my application to OCP through EMAIL Never expected OCP to send the Attestation to Paris and I was thinking about visiting Geneva next week

But how can this be? I didn't even visit the tax office to clear my taxes (My friend told me today that I need to pay 20 CHF tax regardless of whether I received paycheck during my stay in Switzerland before visiting OCP)

Anyway, BIG THANKS to Medea Fleecestealer for informing me about the Good Friday and Easter Monday, otherwise I would have booked the ticket to Geneva now, wasting 200 euro
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Old 24.03.2016, 20:23
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Re: What if I don't pay my compulsory insurance?

That is good news, and a surprising result, as normally the OCP insist you are personally there (This avoids any cheating)

So now you can photocopy the certificate and cancel your health insurance by snail mail. It should be backdated to 15. March.
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Old 24.03.2016, 20:41
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Re: What if I don't pay my compulsory insurance?

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That is good news, and a surprising result, as normally the OCP insist you are personally there (This avoids any cheating)

So now you can photocopy the certificate and cancel your health insurance by snail mail. It should be backdated to 15. March.
Thanks I am still a little concerned about the tax though. Is there a way to inquire about whether I have left over tax and pay them from outside Switzerland?

Also is it possible to visit the insurance company directly to cancel the contract on the spot just in case there is a delay which leads to extra costs (I am willing to spend 200 euro to come back to Geneva again if this is possible because the current premium is a woeful 300 euro per month so I don't want to take any risk especially it is approaching the end of the month now...)
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Old 24.03.2016, 21:44
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Re: What if I don't pay my compulsory insurance?

There is zero Point in going to the insurance office directly. They will only cancel your insurance by registered post. Copy the certificate, write a letter, send registered post. You will only get a bill up to the date you are registered as leaving.

Next call the tax office on Tuesday. Tell them you were student. Ask if you owe taxes. Done.

We have phones, mail service and Internet here in Switzerland.
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Old 24.03.2016, 21:52
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Re: What if I don't pay my compulsory insurance?

https://www.angloinfo.com/geneva/how...administration

http://ge.ch/df/administration-fiscale-cant
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Old 24.03.2016, 22:10
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Re: What if I don't pay my compulsory insurance?

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There is zero Point in going to the insurance office directly. They will only cancel your insurance by registered post. Copy the certificate, write a letter, send registered post. You will only get a bill up to the date you are registered as leaving.

Next call the tax office on Tuesday. Tell them you were student. Ask if you owe taxes. Done.

We have phones, mail service and Internet here in Switzerland.
Thanks a lot! Only up to the date registered as leaving? hmm, my Attestation de Depart states that I left February 2015 (because I forgot to announce when I left last year and it is the main reason this whole mess happens...) but the contract which OCP signed me up for only started last month... I wonder how they are going to calculate the cost of this...

So they will send a bill to my address (wonder if they can send outside of Switzerland) after receiving my registered mail? Can I choose which method to pay the bill as currently I can only make payment either through credit card or through international bank transfer?

Thanks!
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