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Old 12.12.2010, 22:48
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Moving out of CH and keeping insurance - is it possible?

HEllo!

My time in CH is coming to an end and i have a ton of questions...i am moving to another EU country and my question is...

Can i keep my swiss insurance and use it abroad?

My partner is staying in CH for another year, so i figure that if i dont de-register, i can continue my treatments (i have one that needs control) when coming to see him every month...

However, i will be unemployed, not looking for unemployment money (therefore not registered in the unemployment agency), and i guess that the authorities will wonder what am i doing in CH in the meantime...and maybe then i should de-register ASAP?

Then if i have an issue (like accident) while abroad, use my swiss card as if i was visiting?

I wont have social security rights in the other country as i will be studying the language only not working (at least to begin with until i find a job!) and so i am wondering what to do when it comes to insurance.

ANy thoughts on this would be highly appreciated.

Thanks!
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Old 13.12.2010, 08:04
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Re: Moving out of CH and keeping insurance - is it possible?

As long as nothing happens, I think it would work. BUT if you need some big care (hopefully not, but that is why you have insurance in the first place), they could look into residence and deny coverage I think.

What kind of work permit do you have?

I'd love to stand corrected if some know better.
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Old 13.12.2010, 13:17
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Re: Moving out of CH and keeping insurance - is it possible?

When I was supposed to leave Switzerland, my employer offered me some sort of interim accident coverage insurance for 6-12 months. It was valid worldwide and not expensive. Anyone else have this, i do not remember the name of it.
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Old 13.12.2010, 22:01
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Re: Moving out of CH and keeping insurance - is it possible?

oh thanks for answering!

I have a B permit as i came to work...and only stayed for 2.5 years.

Maybe i can pay extra to SanSan so they can keep my insurance for another 6 months? Just so i have time to get another job and settle...
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Old 14.12.2010, 00:00
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Re: Moving out of CH and keeping insurance - is it possible?

Hey Delfinita,

Insurance is generally dictated by it's "scope of territory", and also each policy is bound by it's "period of liability".

If you can remain a resident of Switzerland, then you will still be covered by your insurance.

Alternatively, you are only a phone call away from asking "what countries your insurance binds you too".

Just say that you are considering a move, but you need to know the implications.
They will want to keep you as a client and will tell you straight away.

If you have someone here that you will continue to see, and already hold a B Permit, it sounds like you will be preeeety set up.

Best ask first though as each policy is different. (I can't stress that enough)

Last edited by TidakApa; 14.12.2010 at 00:00. Reason: .
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Old 14.12.2010, 21:49
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Re: Moving out of CH and keeping insurance - is it possible?

OH thanks so much for that! I could be registered in CH as my man is staying for another year...so we will keep the appartment and stuff...so maybe thats an option but since i will be unemployed, i dont know if i will get a letter from the stadt saying something about it lol

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Old 13.01.2011, 19:49
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Re: Moving out of CH and keeping insurance - is it possible?

my understanding was that you could continue to pay health insurance for up to 5 years after you left CH. This may only apply to EU members and may be health insurance company specific. in the end it comes down to the cost of the insurance of where you go. the more i look at this the last thing to do is chop and change unless you have access to a public scheme.
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