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Old 13.12.2014, 18:50
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Medea Fleecestealer Medea Fleecestealer is offline
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Re: Health Insurance - first 3 months...once again

No EHIC card makes no difference. Once you become resident here all insurances become invalid. If you were here as a tourist and had a medical emergency the EHIC would cover you, assuming you hadn't taken out travel insurance in the first place. But the EHIC wouldn't cover doctor's visits, etc, it's only for emergencies. Once you're resident here the EHIC from your home country is invalid, though you should get a new EHIC card with your Swiss cover.

As soon as you become a resident by registering with your commune/gemeinde you're supposed to have mandatory Swiss health insurance so if you registered in August the insurance should be backdated to then. One of the reasons they do so is if you had need of a doctor/hospital before you got your insurance sorted out you could make a back claim to cover the costs. Say you had to see a doctor in September - with no medical cover you would have to pay his bill yourself, but could claim it back once your insurance cover kicks in.

If you're now landed with a big bill for 3 months that's your fault. If you'd sorted it out quickly it would have been easier on your pocket.
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