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Old 29.08.2017, 19:04
dandi dandi is offline
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Re: Advice for those who are late with their health insurance

Well I'm not a specialist but common sense would say that there isn't much anyone can say for sure on whether you could go "the risky way" or not...

You're basically asking whether to lie to the insurance company about your effective residence start date. The thing to remember is that insurance companies are commercial companies and not the canton's policeman. The canton is the one enforcing the insurance policy, the companies may care about it but maybe not as much as getting you as a customer for instance. Some may be picky about it, some may not. They can just take your word and sign you up and then you're insured. But then the company or the canton may come back later and say "hey, you should have been insured since..." and ask for the rest of the money.

Not sure what you meant by "I am now fully resident here" but the canton will consider as starting date the date you got your permit (I think you might have a 3 month leeway as well). Most people I know around here have got a letter from the canton within of 3 months of settling in, asking for the insurance policy, so do take into account that checks happen as a matter of routine.

Whatever you do, do not sweat too much about it and get yourself into the system and sorted because the risks of not being in the system are just too big. You can also try to get advice from your education establishment whether as a student you have any facilities, etc.
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