Then you should have moved here 20 years ago, it was still optional back then!

Tom

Switzerland isn't even REMOTELY social!

Tom

Is it true, if I buy a lottery ticket, and don't win .......

No.

Where did you get this bizarre idea?

Tom

And how in this case I should name all this papers in my post box and strict rules like "two times a year I eligible to change a flat", "one time a year I eligible to change an isurance company" and so on? This is all very strange and unusual social rules as I find. I never imagine people can leave in so strictly described social system.
How they live with it? I feel myself here like in prison made from gold

Sorry, but this is what is called CAPITALISM!

Tom

The OP is correct, it is Capitalist Engineered Socialism.

For exactly that kind of question

You can't get your premiums back; that would be crazy. However, if you've lived in Switzerland for at least 5 years when you leave, and have never claimed, you're allowed to take all the internal organs from a teenage Swiss person when you leave.

They can have their pound of flesh...

But I don't want to buy lotterey ticket.

You also get back all the taxes that you paid. You did know that, didn't you? However, you have to itemize the social services that you did not use. Because of this, the form that you need to fill out is rather long. And, it's in Swiss German.

.... but having good health can be a lottery - no matter what we do to stay fit and healthy - there's still an element of luck involved.

If you've been fortunate enough to have never needed to claim against your medical insurance, than you have indeed won the lottery - and must be surely glad that you'd bought your ticket?

Indeed you have to detail exactly which street lights you walked under and when so that the correct proportion of your taxes allocated to street lighting can be returned to you.

False completion of the form, accidental or otherwise, will result in jail time.

You heard it here, the top English-speaking forum for people living in Switzerland. Don't believe anything you read on this topic on shooting the cheese!

Its not a problem.
Just send me all your bank account details and I will have all the monies owed to you transferred back, promise.

OK, here is a bit of insurance 101

"The risks of the few are carried by the many"

Let's take the example that 10 people have 10chf (100chf), and statistically one person will lose their 10chf. If everyone puts 1chf into a pot then everyone can only lose 1chf, not 10chf (and the person who loses scoops the pot).
....... now the example isn't perfect but it's just an idea of how it works.

just because you didn't lose your 10chf, doesn't mean you get your 1chf back.


You are paying an insurance company to accept a risk, and they calculate the probability of you claiming on your medical cover and charge you a premium for it.

You can't get that premium back, but if you are lucky they maybe able to reimburse you pro-rata for the unused portion...... but this condition will be specific to each insurance policy.

Call them and ask if you can get the unused portion back.

If you ask for all your premium back they will laugh in your face.

it's called "insurance" so that when you need it, it's there.

And as far as car insurance goes, get your tires covered. these curbs are evil!!!!