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Old 05.06.2020, 13:41
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Re: French frontalier insurance

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Check the "Groupement de Frontaliers" for all imaginable information on the subject. Including low cost filling-in of your tax forms for you.

On the GTE website, it says
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En matière d'assurance maladie, le travailleur frontalier en Suisse dispose d'un droit d'option. Lors de la prise d'un emploi ou d'une rente exclusivement de droit suisse, il a le choix entre le régime de Sécurité sociale française, la "CMU" (Couverture Maladie Universelle), ou le régime de santé suisse, la LAMal.

...but catandmouse says
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If you are non-Swiss and just arriving into the "system", you'll be with the French CMU / Social Security, which is 8% of your salary.

Is the GTE website simply outdated?
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  #22  
Old 05.06.2020, 15:27
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Re: French frontalier insurance

"Is the GTE website simply outdated?" I believe that this is the correct information. You get a once and for all choice when you start out as a frontalier.

The GTE are an excellent resource that has never failed me. They have thousands of active members, so I'd be very surprised if they keep outdated information on their site.
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  #23  
Old 05.06.2020, 15:32
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Re: French frontalier insurance

To be sure, I checked with Google. I was right.

https://www.assurance-info.ch/ladhes...s-frontaliers/
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Old 05.06.2020, 15:45
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Re: French frontalier insurance


Thanks for that great link, that explains it well. The only thing I can't work out from there is about families. They make the point that for families it may be a better bet to stick with the French CMU. They explain this for the situation where one person earns in CH and the other in FR, in which case the child would be insured in FR. However, what is not clear is if there is only one breadwinner, earning in CH, and the spouse and child live in FR without income. I assume in this case the choice would come down to whether you are prepared to pay 3 x premiums in LAMAL for access to CH services, vs. putting up with the service provision on the French side and potentially pay a lot less. Am I right?
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Old 06.06.2020, 09:58
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Re: French frontalier insurance

One other thing as a frontalier in the Geneva area, there is a massive shortage of medical care on the French side. Most French GPs won't take on new patients. The nearest university hospitals are 2 hours away in Lyon or Grenoble. If you are on the French system, you really need to take extra insurance to allow for treatment, particularly hospitals treatment, in Switzerland, which will cost you a huge amount more.
Part of the problem is that a lot of the French medical specialists come to work in Switzerland where the salaries are 3-4 times higher than in France, creating a vacuum on the French side.
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