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  #21  
Old 16.08.2011, 20:34
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Re: DKV in Germany.....can i do it living in Switzerland???

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And what about it don't you like? Tom
I think it's the price.
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  #22  
Old 17.08.2011, 10:10
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Re: DKV in Germany.....can i do it living in Switzerland???

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DKV for a 30 year old female with no excess and 40% dental cost is about EUR 270 per month.
No, that's the normal private insurance when you live in Germany. What the TO probably has heard about is that some Germans temporarily staying in Switzerland (mainly academics) have a dead cheap health insurance (DKV Tarif AVL) that is accepted by the Swiss authorities, so no Swiss insurance needed. For a 30 year old female, this would be 64 per month.

http://www.dkv.com/produkte-ausland-...ng-104144.html
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Old 17.08.2011, 10:23
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Re: DKV in Germany.....can i do it living in Switzerland???

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No, that's the normal private insurance when you live in Germany. What the TO probably has heard about is that some Germans temporarily staying in Switzerland (mainly academics) have a dead cheap health insurance (DKV Tarif AVL) that is accepted by the Swiss authorities, so no Swiss insurance needed. For a 30 year old female, this would be 64 per month.

http://www.dkv.com/produkte-ausland-...ng-104144.html


Thanks thanks thanks.......so is not that expensive!!!! I will check if i can do it.....thanks thanks alot!!!
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  #24  
Old 17.08.2011, 11:18
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Re: DKV in Germany.....can i do it living in Switzerland???

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thanks thanks thanks.......so is not that expensive!!!! I will check if i can do it.....thanks thanks alot!!!
no you can't.
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  #25  
Old 17.08.2011, 11:27
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Re: DKV in Germany.....can i do it living in Switzerland???

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What the TO probably has heard about is that some Germans temporarily staying in Switzerland (mainly academics) have a dead cheap health insurance (DKV Tarif AVL) that is accepted by the Swiss authorities, so no Swiss insurance needed. For a 30 year old female, this would be 64€ per month.
Wrong link, what you linked to is the holiday medical insurance cover for Germans insured in Germany (which is ridiculously cheap under 10E/yr but that's because in most cases traveling abroad you are covered anyway by your krankenkasse). Link for AVL is http://www.dkv.com/produkte-ausland-...4.html#details
Wow, I should have known about this when I left Germany as a researcher, it is even cheaper than Swisscare that I have now...Are you 100% sure the Swiss authorities accept this?
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Old 17.08.2011, 11:41
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Re: DKV in Germany.....can i do it living in Switzerland???

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Are you 100% sure the Swiss authorities accept this?
In Zurich, yes, in other cantons, probably also.
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Old 17.08.2011, 15:55
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Re: DKV in Germany.....can i do it living in Switzerland???

Sorry to cast dispersions here but something seems very fishy and I'm trying to get my head 'round it...

If you have been here for 20+ months without health insurance I fail to see how the Canton haven't assigned you to a policy at the 3 month term (the time allocated for persons to take out and prove sufficient mandatory cover) which would be FAR more than 180 a month. This would suggest that you were here as a visitor and working black.. If you have an EU B permit that expires in 2014 was this just granted as a three year (would seem an odd validity for someone not working in sufficient full term employment) or when you came in Jan 2010?

I must admit that I have limited knowledge on the German foreign cover but knowing the Swiss system on intimate terms I would be very surprised if, as a non German national or resident, you can get cover on their system at all. There are certain systems in place with the Swiss healthcare that one can have foreign temporary cover but it is usually only supplied to certain groups and from the country they are from / reside in.

If you are domiciled here and have been for some time, are not part of a group that already had or was eligible for external cover e.g student, very temporary position, diplomat or visitor you are obliged to have Swiss cover... period.

I would forget about your ideas of taking the German option and get legal on the hurry up, yes it's expensive but this is Switzerland not Europe. If you don't sort this out you will find that having 20 months back dated health payments will be the VERY least of your problems!!! On your other post someone said paraphrased "here for 20 months? What did you think would happen if you got seriously ill?" Well true, but more importantly you are actually in breach and at minimum your permit could be revoked....
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Old 18.08.2011, 08:29
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Re: DKV in Germany.....can i do it living in Switzerland???

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No, that's the normal private insurance when you live in Germany. What the TO probably has heard about is that some Germans temporarily staying in Switzerland (mainly academics) have a dead cheap health insurance (DKV Tarif AVL) that is accepted by the Swiss authorities, so no Swiss insurance needed. For a 30 year old female, this would be 64€ per month.

http://www.dkv.com/produkte-ausland-...ng-104144.html
That requires residency in Germany and is for temporary stays abroad. Quite a non-starter.

The OP is Spanish (allegedly). She has come to Switzerland to work illegally as a nanny, while pretending to be an au pair (she now complains about bad tratment by her employer but has no ear for those telling her that it is people like her who make it difficult for actual nannies to make a living wage). During that time, she was not registered and did not have Swiss health insurance. She now tries to wriggle out of compulsory insurance by looking for backdoors, again - closing her eyes to the fact that if everybody just went on a phoney foreign insurance obtained by misrepresentations (about your residence, among other things), the health insurance would collapse. She doesn't understand that the Swiss enjoy a high quality of life because people by and large don't try to play the system or to jump the queue. After all, that's worked so well in Spain.

Good lock to the OP in her continuing quest to have her cake and eat it.
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  #29  
Old 18.08.2011, 09:25
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Re: DKV in Germany.....can i do it living in Switzerland???

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Sorry to cast dispersions here but something seems very fishy and I'm trying to get my head 'round it...

If you have been here for 20+ months without health insurance I fail to see how the Canton haven't assigned you to a policy at the 3 month term (the time allocated for persons to take out and prove sufficient mandatory cover) which would be FAR more than 180 a month. This would suggest that you were here as a visitor and working black.. If you have an EU B permit that expires in 2014 was this just granted as a three year (would seem an odd validity for someone not working in sufficient full term employment) or when you came in Jan 2010?

I must admit that I have limited knowledge on the German foreign cover but knowing the Swiss system on intimate terms I would be very surprised if, as a non German national or resident, you can get cover on their system at all. There are certain systems in place with the Swiss healthcare that one can have foreign temporary cover but it is usually only supplied to certain groups and from the country they are from / reside in.

If you are domiciled here and have been for some time, are not part of a group that already had or was eligible for external cover e.g student, very temporary position, diplomat or visitor you are obliged to have Swiss cover... period.

I would forget about your ideas of taking the German option and get legal on the hurry up, yes it's expensive but this is Switzerland not Europe. If you don't sort this out you will find that having 20 months back dated health payments will be the VERY least of your problems!!! On your other post someone said paraphrased "here for 20 months? What did you think would happen if you got seriously ill?" Well true, but more importantly you are actually in breach and at minimum your permit could be revoked....

I already have my swiss insurance.....since i know its a MUST here i did it.
I already get ill another times....and i went Germany, i just cross the border, is half cheap.

Ok i have the information that i need.....moderator please you can close this thread.
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  #30  
Old 18.08.2011, 09:28
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Re: DKV in Germany.....can i do it living in Switzerland???

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That requires residency in Germany and is for temporary stays abroad. Quite a non-starter.

The OP is Spanish (allegedly). She has come to Switzerland to work illegally as a nanny, while pretending to be an au pair (she now complains about bad tratment by her employer but has no ear for those telling her that it is people like her who make it difficult for actual nannies to make a living wage). During that time, she was not registered and did not have Swiss health insurance. She now tries to wriggle out of compulsory insurance by looking for backdoors, again - closing her eyes to the fact that if everybody just went on a phoney foreign insurance obtained by misrepresentations (about your residence, among other things), the health insurance would collapse. She doesn't understand that the Swiss enjoy a high quality of life because people by and large don't try to play the system or to jump the queue. After all, that's worked so well in Spain.

Good lock to the OP in her continuing quest to have her cake and eat it.
People like me who make difficult for actual nannies have a living wage???? Thats so so so disgusting!!!!
I was working as a au pair, completly legally!!!!! And i didnt lied when i said how much they paid me. They had 2 au pairs before me and one more after me......nobody stays more than 6 months.
After this au pair job, yes i been working just hours, as a nanny, waiter or cleaner.
If i could not paid before MY ASURANCE i think its just my problem.......
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  #31  
Old 18.08.2011, 09:43
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Re: DKV in Germany.....can i do it living in Switzerland???

I do not want to judge you as everyone is entitled to a way of thinking, nevertheless, it sounds like you want save money which is totally fair. The amount you pay when you go to the doctor here depends on your excess (maybe this is the wrong word sorry) so you set a limit of how much you will pay 300-2500 I think. After that insurance covers it but it also depends on the sort of care you get if it is included in the regular insurance or the additional insurance.
I personally think that doctors in CH are wonderful, and just thinking that I have to cross the border to see a doctor makes me feel like Id rather pay a bit more here.
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Old 18.08.2011, 09:45
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Re: DKV in Germany.....can i do it living in Switzerland???

OP - oh no! Did the criticism turn you from the old picture to the new one??? Better rush to see a doctor
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Old 18.08.2011, 09:53
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Re: DKV in Germany.....can i do it living in Switzerland???

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OP - oh no! Did the criticism turn you from the old picture to the new one??? Better rush to see a doctor
Old picture was far better!
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