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Old 01.09.2017, 15:36
Medea Fleecestealer's Avatar
Medea Fleecestealer Medea Fleecestealer is offline
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Re: Health insurance if you live in 3 different countries during the year?

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Capo, before your friend goes much further, has she looked into the likelihood of her mother gaining a permit to live in Switzerland?

We tried this some years ago. Even though we (C permits) had sufficient finances to put into a guarantee and had health care covered we were told it would not be granted. However from discussions here and with friends it seems there might be quite a bit of difference in how regs are interpreted and in practice. I know of at least one non-EU B permit holder who was able to bring non-EU parents here, so go figure. Much seems to depend on practice at the Gemeinde level.

There are several threads discussing the issues, by the way.

That caveat aside, when we were planning this with an eye to a trial phase the ILs insurer back home included international travel coverage, which would have been sufficient for splitting time between countries without taking up residency. We knew we would likely have had to pay a deposit in case of hospitalization or emergncy treatment in Switzerland, so figured on keeping that money aside, think a few tens of thousands, and then deal with reimbursement later. IIRC it was a Blue Cross/Blue Shield plan.
MC, the daughter is an EU national so providing she can support her mother it should be no problem.

https://www.ch.ch/en/family-reunification-eu-efta/

The main problems I see are:

a) for Switzerland you're also supposed to be resident here for the majority of your time so at least 183 days a year to get and keep a permit.

b) jumping around like this and being a resident in all 3 countries will leave her open to being taxed in all 3 as well.

c) Swiss health cover will not apply if she's also a resident in the other 2 countries, it only might apply if she's a tourist and only for emergency cover up to whatever the equivalent is in Switzerland.

Why does the mother want to move around so much? It makes no sense, even if she has relatives in the other countries.
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