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Old 01.09.2017, 10:55
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Health insurance if you live in 3 different countries during the year?

Apologies if this has been discussed before. I have searched the forum and found some threads discussing Cigna insurance and the likes, but couldn't find what I am looking for. Could you please help me out?

I am trying to help a friend, so here is the situation:

- Mother with non-EU citizenship.
- Daughter (with EU citizenship) is under a C-permit and would like to bring her mother to Switzerland.
- The mother in question would split her residency time among three countries: Switzerland, USA, and Argentina.


1) If the mother in question lives, for example, 4 months in Switzerland, 4 months in the USA, 4 months in Argentina, and assuming she got a residency permit in CH, would a Swiss health care plan cover her in the other two countries?

2) If instead she chooses not to take residency permit in CH and instead stay here as a tourist, thus limiting her stay to 90 days per year, which American health insurance company would cover her during her time in Switzerland?

3) Anyone has ever gone through a smiliar situation?

Thanks for your patience!
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