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Old 29.12.2010, 11:14
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Tourist Health Insurance

Hi all. I am in a bit of a pickle to say the least. Been traveling and haven't quite been taking care of all my nuts and bolts. Now I am in a situation where I am on a tourist visa, pregnant, and no insurance! I have perused this forum a bit - (there's a lot of information here) - but just thought I would ask as we have been spending a lot of time on line looking for a solution. There are obviously companies that cover tourists - but so far no luck with covering the pregnancy. Many thanks for any information you can share. I suppose the other thing is to contact an insurance co. in the states and see if I can get coverage here. Ugh. Thanks for your help!
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Old 29.12.2010, 11:44
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Re: Tourist Health Insurance, including pregnancy

As a general rule, no insurer will cover a preexisting condition if they can avoid it. And as a general rule, they can avoid it if they are not required to take you as a client. So you need to look for insurers who are required to take you for some reason or another.

Do you have a US school or employer with a group insurance policy that you can sign up for? Were you employed by a US employer recently enough to be covered by COBRA?

If you are in Switzerland with a tourist visa, then you are not a resident of Switzerland. Where are you a resident? Some individual states run last resort health insurance funds which you might be able to get into.

In the worst case you might end up burdened with some significant medical bills. Not fun, but not the end of the world.

Good luck!
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Old 29.12.2010, 11:51
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Re: Tourist Health Insurance, including pregnancy

The best I can suggest is that you get in touch with Jenny who is our sort of guardian angel in matters concerning Health Insurance. She should be able to tell you your best course of action. Please make sure you give her all the info she needs though! I've had a look at your other posts to try to work your situation out, but haven't got far. You say your husband is Swiss and that you hope to be moving towards Neuenburg in the New Year, so I don't really understand the tourist visa.

Hope you get something satisfactory sorted out. Have a good New Year.
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Old 29.12.2010, 12:02
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Re: Tourist Health Insurance, including pregnancy

Yeah, if you are in Switzerland to be with a Swiss Husband, then the right answer is likely to become a legal resident ASAP. There can be issues converting a tourist visa to a resident permit, so you might have to step outside the country at some point. Once you are a resident though, you are required to sign up for some basic plan Swiss health insurance, and they are required to accept you. The basic plan health insurances cover pregnancy 100%.
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Old 10.03.2011, 18:40
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tourist health insurance?

Does anyone know if there is such a thing here? My mother is coming to visit for two months, but her health insurance won't cover her outside of the US.
She tried to buy travel insurance but can't find anything to cover medical.
I'd be happy to put her on our family policy, but I don't think this is going to work unless she has a residence visa rather than a tourist visa. Anyone have any ideas, or had a similar situation?
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Old 12.03.2011, 00:31
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Re: tourist health insurance?

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Does anyone know if there is such a thing here? My mother is coming to visit for two months, but her health insurance won't cover her outside of the US.
She tried to buy travel insurance but can't find anything to cover medical.
I'd be happy to put her on our family policy, but I don't think this is going to work unless she has a residence visa rather than a tourist visa. Anyone have any ideas, or had a similar situation?
Hi there!
This is not to discourage you but I have to let you know like in the precedent posts that, your mother needs to be residing in Switzerland before subscribing any health insurance. The policy with most insurers in Switzerland is that they don't accept to insure people who are not yet residing in the country. Pray and hope that she won't face any situation which requires a health insurance. Good luck!!!
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Old 12.03.2011, 03:23
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Swiss laws are different now but Im sure there are still the same options. What I can tell you is that if you are very advance in your pregnancy by the time your permission expires, lets say 7mo, you can stay here because Airline regulations wont take the risk. At that point you will be somehow "illegal" here and then your bf (Im guessing he has residency permission) can call any insurance and ask for so papier insurance, its basically the same as if you had the residence permission but with the discretion that no migration office will get your info. That will cover all, birth, doctor apointments etc with the same regulations that we all have. Once your baby is born and he has been recognized you can apply for the permission. This was until Jan 2010, as I told you laws have changed, but you can still give it a try with the info office of the so papier http://www.sans-papiers.ch I believe the first apointment is free and in case you need follow up its somewhere around 20fr.

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Does anyone know if there is such a thing here? My mother is coming to visit for two months, but her health insurance won't cover her outside of the US.
She tried to buy travel insurance but can't find anything to cover medical.
I'd be happy to put her on our family policy, but I don't think this is going to work unless she has a residence visa rather than a tourist visa. Anyone have any ideas, or had a similar situation?
Of course there are tourist insurance , they cost around 500-600 fr and they are in case accidents and stuff that ocurred in the trip, they cover up to 90 days. They dont cover pregnancy and decease you had prior the trip. I have no exact company name at the moment, but a friend is now here for vacations and have that one, I'lll call her tomorrow and ask the name of the company though Im pretty sure most insurance companies have this option. Good luck !! let me know if you still didnt find anything and I dig more in the bussiness

Last edited by jrspet; 12.03.2011 at 03:32. Reason: Merging of successive posts
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Old 12.03.2011, 08:20
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Re: Tourist Health Insurance

Where do you actually live ? Where is your home ?

I can see from your threads that you are
a) American
b) with the possibility of a UK passport
c) and a swiss partner
d) with a 4 year old child and a baby on the way.

The simplest way to solve your problem is to make your stay in Switzerland permanent. Then you qualify for swiss health insurance.

I don't understand why you are in Switzerland as a 'tourist' if your move to the country is 'permanent' and you are entitled to UK residency, which would allow you to easily legitimise your residency permit in Switzerland.

The other 'simple' way is to marry your swiss partner. Then the paperwork is really easy. It's a civil ceremony, not hard to organise, and it's a very common situation to be in these days....

Being anywhere without health insurance is very financially risky, so I'd be worried about if you broke your leg or got a nasty flu...very expensive...
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Old 12.03.2011, 14:31
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Re: Tourist Health Insurance

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The other 'simple' way is to marry your swiss partner. Then the paperwork is really easy. It's a civil ceremony, not hard to organise, and it's a very common situation to be in these days....
Starting Jan 2010 You cannot get married in switzerland being a tourist. You need to go back to your contry of origin and make all sort of paperwork and sit and wait until you get it, they really dont care you are pregnant.
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Old 12.03.2011, 14:42
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Re: Tourist Health Insurance

MsWelsh - you OP was in December 10 - so wondering how things are going. Have you been able to get Insurance? Hope you are well.
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Old 13.03.2011, 20:49
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Re: Tourist Health Insurance

I seem to be hijacking Ms Welsh's thread here. I had started my own since my mother isn't pregnant, and I ended up moved here. I am shamelessly bumping myself up now, because my insurance company told me that they believe some companies will provide an emergency insurance cover. I don't have time to call every company in Switzerland, so I'm hoping someone out there has knowledge of one. Anyone?
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Old 13.03.2011, 23:30
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Re: Tourist Health Insurance

Your mother should be able to find Tourist/vacation insurance in the US prior to coming. It is taking a huge risk if she comes without, as she will NOT be covered in case of illness or accident, and YOU, as a resident here, will be liable to pay all costs. If no Insurance is prepared to cover her, because of serious pre-existing conditions, it is better that she does NOT come over, and that you go and visit her in the US. An extensive stay in hospital, especially if surgery needed, could add up to 10000s - and YOU will be expected to pay. I've just Googled 'vacation insurance for US citizens' and dozens of options came up. Much much cheaper and safer, honest.
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