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  #21  
Old 07.08.2011, 15:21
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Re: Health insurance....gonna charge me :-(

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she means 700 per month...
Was it 700 per week or month? 700 per month even for an au pair sounds criminal. Is it even legal to pay someone that little and not include meals? I seriously hope that family wasn't Swiss.
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  #22  
Old 07.08.2011, 16:07
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Re: Health insurance....gonna charge me :-(

It is a normal salary for an Au Pair- but should include food and accommodation, laundry and free time for language lessons paid by employer + insurance. The hours should be restricted to about 30 hours per week, including light housework only + babysitting. No Au Pair should have sole charge of 5 kids, including little ones- ever. But there are 100s, 1000s out there employed for a pittance and treated like dirt, and not just in Switzerland. It makes my blood boil.
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  #23  
Old 07.08.2011, 16:14
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Re: Health insurance....gonna charge me :-(

There is something not adding up here in my opinion.

I thought that a person is assigned an insurance company if they don't choose one within the first 3 months?
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  #24  
Old 07.08.2011, 16:27
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Re: Health insurance....gonna charge me :-(

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It is a normal salary for an Au Pair- but should include food and accommodation, laundry and free time for language lessons paid by employer + insurance. The hours should be restricted to about 30 hours per week, including light housework only + babysitting. No Au Pair should have sole charge of 5 kids, including little ones- ever. But there are 100s, 1000s out there employed for a pittance and treated like dirt, and not just in Switzerland. It makes my blood boil.
Well we've talked about that before and the general comment was that hey, that's what the market wants. As long as there are enought folks like the OP who are willing to work like this for this for long enough and cannot report it to the authorities because they are working "au noir" (and know it), the system will continue. Meanwhile, the number of SVP billboards is astonishing, and I pretty much think it is a certainty that the referendum will be accepted.

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There is something not adding up here in my opinion.

I thought that a person is assigned an insurance company if they don't choose one within the first 3 months?
That's if they register at the Gemeinde and don't choose to live under the radar.
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Old 07.08.2011, 16:31
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Re: Health insurance....gonna charge me :-(


Beutiful fairy,

I hope I can help you with my post. From what I understoodyou have a spanish health insurance , right? I also lived here for a whole yearand i did not pay any health insuarance as I haven't been working and it was ahard time to pay it. I have paid my health insuarance back in my country, whichallowed me to also use medical help here. I was so afraid that I would have topay the whole year when I first made my health insurance here. Before I signthe contract I called the Health insuarance company and asked them if i can providea document that I have paid my health insuarance every month in my country ( it's an EU member country) will that be enough for me not to pay the last year. Sothey agreed and I never had to pay for this one year. I hope this helps.
BTW - i know other people that did not pay like me
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  #26  
Old 07.08.2011, 17:05
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Re: Health insurance....gonna charge me :-(

We are not working either- but we did have to pay from day 1- this is the law, punkt schluss. I'm glad for you that you 'got away' with it - and at the same time it does irk me, somehow- I am sort of ashamed to say. Also from EU, the UK- and we were told quite clearly and without uncertain terms, that the EHIC card is only valid fro emergencies and NOT when resident here.

Last edited by Odile; 07.08.2011 at 17:28.
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  #27  
Old 07.08.2011, 17:43
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Re: Health insurance....gonna charge me :-(

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So now i have to pay all this year and maybe a penalti. :-(
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Well we've talked about that before and the general comment was that hey, that's what the market wants. As long as there are enought folks like the OP who are willing to work like this for this for long enough and cannot report it to the authorities because they are working "au noir" (and know it), the system will continue. Meanwhile, the number of SVP billboards is astonishing, and I pretty much think it is a certainty that the referendum will be accepted.

That's if they register at the Gemeinde and don't choose to live under the radar.
She says she has a B permit so had to register to get one of those!
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  #28  
Old 07.08.2011, 17:53
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Re: Health insurance....gonna charge me :-(

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She says she has a B permit so had to register to get one of those!
Then she would have had insurance. I registered and promptly got a letter asking me in no uncertain terms to provide insurance details. You have three months to provide these - then they insure you ex officio. So either she wasn't registered or she actually had insurance.
(None of that takes away the fact that OP appears to have been treated disgracefully.)
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  #29  
Old 07.08.2011, 18:02
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Re: Health insurance....gonna charge me :-(

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Then she would have had insurance. I registered and promptly got a letter asking me in no uncertain terms to provide insurance details. You have three months to provide these - then they insure you ex officio. So either she wasn't registered or she actually had insurance.
(None of that takes away the fact that OP appears to have been treated disgracefully.)
Even my boss who was the world's most chaotic person managed to fathom out from the letter she got connected to the permit stuff that she needed to organise health insurance.

AND she didn't speak German.

Ignorance has no defence and comes with a hefty price tag, unfortunately.
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  #30  
Old 07.08.2011, 18:38
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Re: Health insurance....gonna charge me :-(

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We are not working either- but we did have to pay from day 1- this is the law, punkt schluss. I'm glad for you that you 'got away' with it - and at the same time it does irk me, somehow- I am sort of ashamed to say. Also from EU, the UK- and we were told quite clearly and without uncertain terms, that the EHIC card is only valid fro emergencies and NOT when resident here.


To summarize very quickly my case. So I arrived in CH last year in January.I registered since day 1 I was here and got my permit. I was supposed to star working unfortunately my contract did not take place. I hat to start looking for a new job on my own. At this time I studied german and 8 Months later I finally got a job. During this 8 months however I could not pay for my health insuarance. I knew I had to but never got a letter to make one. I was even registered at RAV ( I did not get any unemployed maney from them as I haven´t been working here before) I was hoping they can help me to find a job. Anyway after I started working I immediatly made a contract with my health insuarance company. I was sure I will have to pay for the past months and I was prepared to. A friend of mine who is also living for 2 years here told me that he did not paid the first 6 months as he still had a valid insuarance in Germany. So his health insuarance did not ask him to pay for the past 6 months neither for him, nor for his wife and kids. I decided to ask the company and they said if i can send a document that my health insuarance for the past months was paid eventhough in another country they will not ask me to pay. So it worked out. I was surprised.

I have also a couple of friends here which are married to swiss but are not working and are definately registered here with permits , who did not pay also for quite sometime. One of them is from Canada.

However the moment you sign a contract with the health insuarance company and you cannot proove that you have paid a health insuarance in another country you definately have to pay.

I am not so knowledgable on this topic I am just sharing an experience, hoping it can be useful for somebody.
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  #31  
Old 07.08.2011, 20:13
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Re: Health insurance....gonna charge me :-(

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Was it 700 per week or month? 700 per month even for an au pair sounds criminal. Is it even legal to pay someone that little and not include meals? I seriously hope that family wasn't Swiss.

700 Chf monthly....and yes....the are swiss!!!
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  #32  
Old 07.08.2011, 20:52
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Re: Health insurance....gonna charge me :-(

In case something is not right with your permit, then it is better not to contact the authorities on your own, but ask for advice at Sans Papiers.ch This organisation helps people who work in CH without permits.
They will also sort out your health care insurance.

Address in Basel:
Anlaufstelle für Sans-Papiers
Rebgasse 1 (1.Stock)
4058 Basel
Telefon: 061 681 56 10


Walk in appointments:
Tuesday 2pm - 6pm / Thursday 4pm - 8pm
Advice over the phone:
Tuesday 11am - 12pm / Thursday 3pm - 4pm
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  #33  
Old 21.08.2011, 17:35
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Re: Health insurance....gonna charge me :-(

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I have B permit from my first job. that job ive been working 6 months, then another 6 months just doing hours in different places, and some unoficial work. Now i have contrat again, and im sure i have a salary (full time), thats why i decide to make a inssurance.

So now i have to pay all this year and maybe a penalti. :-(
Dont worry, there is no penalty (to my knowledge). But you might have to pay back to the day when you entered the country.

What I do not understand is that you could get way not having a health insurance for such a long period, while working in CH (setting aside, that you would have had a lot of trouble if you got ill or had an accident during this time and would have needed medical care ...).
When I asked for a permit I they were after me to send them the confirmation within the deadline (3 months).
Have you worked here on a tourist visa - meaning you did not have a permanent residence in CH?

If you have not shown up nowhere as a resident here, you would have to pretend that you just arrived.

Gina
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  #34  
Old 24.08.2011, 10:56
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Re: Health insurance....gonna charge me :-(

[QUOTE=Flutterby;1309302]Dont worry, there is no penalty (to my knowledge). But you might have to pay back to the day when you entered the country.

What I do not understand is that you could get way not having a health insurance for such a long period, while working in CH (setting aside, that you would have had a lot of trouble if you got ill or had an accident during this time and would have needed medical care ...).
When I asked for a permit I they were after me to send them the confirmation within the deadline (3 months).
Have you worked here on a tourist visa - meaning you did not have a permanent residence in CH?

If you have not shown up nowhere as a resident here, you would have to pretend that you just arrived.






When i was working as a au pair i just didnt know that it was a MUST here. Then after i left this work, ive been one year working just few hours, some of them black, and some of them legally. I just could pay a assurance til now that i fortunatelly have a full time job legally and well paid.
Working as a au pair i had the accident assurance wich they did for me, but it was the time that ive been working with that family (6 months).
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Old 24.08.2011, 11:01
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Re: Health insurance....gonna charge me :-(

I may be wrong*, but I understood that the employer should pay for an au pair's health insurance.





It happened once.
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  #36  
Old 24.08.2011, 11:01
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Re: Health insurance....gonna charge me :-(

I believe that EU citizens can use the EHIC card for medical expenses here while they are searching for a job. Once they start work they have to have Swiss health insurance.
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  #37  
Old 24.08.2011, 11:16
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Re: Health insurance....gonna charge me :-(

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I may be wrong*, but I understood that the employer should pay for an au pair's health insurance.





It happened once.


Yes, but suppoused that they should pay also my permit, and a german course. They just didnt paid anything. They gave me 100 chf to pay my permit, and they took it from my salarie.....
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  #38  
Old 24.08.2011, 11:18
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Re: Health insurance....gonna charge me :-(

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I believe that EU citizens can use the EHIC card for medical expenses here while they are searching for a job. Once they start work they have to have Swiss health insurance.
Ah! I wonder if anyone can help me with my query on how to get a Swiss equivalent of an EHIC card? I have a B permit for residency in Switzerland and Swiss medical insurance. I was just down in Spain, where I needed to visit a health centre with an ear infection and they asked for my EHIC which I didn't have because I am not currently a resident of the UK, so I cannot apply for one there. So I paid a fee as I have to pay the first 500chfs on my insurance card. The doctor told me that I can now get a Swiss equivalent of an EHIC and free care whilst on holiday in the EU. Is this so? I have searched the web, but cannot find any information.
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  #39  
Old 24.08.2011, 11:38
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Re: Health insurance....gonna charge me :-(

My Swiss Medical Insurance sends me a little card (credit card size) and it says on the back, among other things, 'Europäische Krankenversicherungskarte' which I assume should be the sort of thing you need.
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Old 24.08.2011, 11:48
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Re: Health insurance....gonna charge me :-(

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My Swiss Medical Insurance sends me a little card (credit card size) and it says on the back, among other things, 'Europäische Krankenversicherungskarte' which I assume should be the sort of thing you need.
*Rummages in pocket*

Oh, yes. Mine too. It has a section with "Covercard-Nr", "CH-Guarantor" and an insurance number.
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