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Old 23.07.2020, 15:33
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IV and preexisting conditions

Just chatting with a family who have a child with a genetic condition. It's not life threatening, but for the child to develop physically as normal as possible, they need certain treatment up until they have stopped growing.

The thing is, although obviously their insurance covers the treatment, because the child wasn't born in CH and isn't Swiss, and it is a preexisting condition, IV say they're not going to pay.

So... My question is, does anyone know that this is the case? That IV can choose to not pay for treatment of the children foreign nationals, if the condition existed before entering the country. I don't know if it was diagnosed here or before.
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Old 23.07.2020, 16:15
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Re: IV and preexisting conditions

It it falls under the basic insurance they must pay, if we are talking additional packages than they are correct in not having to pay.
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Old 24.07.2020, 11:58
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Re: IV and preexisting conditions

The IV cannot "choose", they are bound by law which persons are insured or not. For children not born in Switzerland the conditions are restrictive:
https://www.admin.ch/opc/de/classifi.../index.html#a9 (German only).

Here a decision in which a pregnant women left Switzerland, gave birth abroad just after the relevant deadline for her child to still be entitled to be covered by the IV expired... http://relevancy.bger.ch/php/clir/ht...=show_document
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Old 24.07.2020, 13:04
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Re: IV and preexisting conditions

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The IV cannot "choose", they are bound by law which persons are insured or not. For children not born in Switzerland the conditions are restrictive:
https://www.admin.ch/opc/de/classifi.../index.html#a9 (German only).

Here a decision in which a pregnant women left Switzerland, gave birth abroad just after the relevant deadline for her child to still be entitled to be covered by the IV expired... http://relevancy.bger.ch/php/clir/ht...=show_document
Wow, out by two days, I understand their frustration but I guess the cutoff date is immovable. To be fair, reading through the statements from the plaintiffs, it does all sound a bit odd. Why would you fly to another country while heavily pregnant? According to the plaintiff, the woman was in bed for her entire stay there, so how was she fit to travel?

Mind you, that does not change the fact that the poor kid is now not eligible, I wonder what the alternative measures are?

So if I understand correctly, if you have a disabled child and are planning to move to Switzerland, you have to take into account that they will not be eligible for support from the IV?
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Old 25.07.2020, 08:20
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Re: IV and preexisting conditions

My guess is other laws will probably cover most needs.
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Old 25.07.2020, 09:01
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Re: IV and preexisting conditions

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My guess is other laws will probably cover most needs.
What does IV then cover that is not covered by the regular health insurance? Or is it that you have your deductible?
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