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  #21  
Old 05.09.2006, 15:17
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Re: What happens if you do not pay health insurance?

Sorry , this might be a stupid question, but does the health insurance (krankenkasse?) works out the same way as a car insurance?

Example.

You do a damage on your car over your franchise, you ask neverthelesl your insurance company to cover the cost for you.
Your insurance premium will rise.

Now you get downstairs.. head first... you go to the hospital and get fixed. Total cost is above the franchise.

Does the monthly bill rise?
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  #22  
Old 05.09.2006, 15:18
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Re: What happens if you do not pay health insurance?

it doesn't fall
and
it rises annually (with inflation, not claims)

nice, huh?
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  #23  
Old 05.09.2006, 15:45
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Re: What happens if you do not pay health insurance?

For people who say, well patients do not mind because they do not pay, this is not really true is it? I thought everyone with Swiss Krankenkasse (health insurance) pays 5 or 10% of the total bil? So if you have 20.000 CHf in hospital bills, you still need to pay 1000 CHF or more!

By the way, the rule still is that some people can keep their foreign insurance if they want to. I posted a thread on how to do this in help and tips. It does depend on the disgression of the officer that you talk to.

Quote:
As for not having health insurance, I have been 'officially' in the country since April but still haven't got health insurance, I have been having problems getting some answers to an issue i have with something so i have left it a bit late, i got a letter last week from the government saying that if I didn't get my insurance soon they would take out compulsory insurance out for me. I am expecting the same issue with me that they will charge me from my entry date.
Nicky, I urge you to sort this out soon. If you have not had big bills in the past few months, sign up now as you are likely to not have to backpay. However, if you do not sign up, you WILL have to backpay, and you cannot select the insurance, nor your own franchise. It will be fixed at 300 CHF and you cannot select a higher risk, nor a better company. Check out comparis everyone, they have the new premiums for next year already!

Big warning to anyone with EGK insurance, premiums will rise up a lot, mine in any case to 29%! Cancel it now before you forget.

From Comparis:

Quote:
Termination deadlines for switching basic health insurer:

30 November (Insurer must have received written notice by the last working day of November) for termiination as of 31 December. This is the final deadline regardless of whether your premiums rise, fall or remain unchanged.
31 March (Insurer must have received written notice by the last working day of March) for termination as of 30 June. This deadline does not apply to policyholders with a deductible rate exceeding CHF 300 (or CHF 0 for children) or for those insured according to the light, GP or HMO model, who may only switch health insurers per end of the year
.

Last edited by muze7; 09.09.2006 at 00:43.
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  #24  
Old 05.09.2006, 16:13
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Re: What happens if you do not pay health insurance?

muze - there's an annual deductable on the policy. Mine's 2500 as I only claim for accidents
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  #25  
Old 05.09.2006, 16:19
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Re: What happens if you do not pay health insurance?

Lob Rockster, I found the extra cost I was talking about, it is called retention.

From comparis: http://www.comparis.ch/krankenkassen...tbehalt&q=rent

Quote:
The retention is the amount covered by the policyholder himself when claiming benefits, such as medical treatment, hospital treatment and medication. This amount cannot be chosen and is a percentage of the costs, whereas the deductible rate is a fixed amount, and is charged fully. Calculation: 10% of medical costs minus deductible rate
up to 700 CHF

Last edited by muze7; 09.09.2006 at 00:42.
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  #26  
Old 05.09.2006, 16:23
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Re: What happens if you do not pay health insurance?

cheers muze, for once ()......I was wrong

having never claimed for anything but casual drugs (yeah man!) and only needed treatment for near-death experiences, I had not checked this that closely...
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  #27  
Old 05.09.2006, 17:47
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Re: What happens if you do not pay health insurance?

Quote:
Basic health insurance Termination deadlines for switching insurer:

30 November (Insurer must have received written notice by the last working day of November) for termiination as of 31 December. This is the final deadline regardless of whether your premiums rise, fall or remain unchanged.
I believe this deadline only counts if the company raises the price on your policy. If the don't (which is rare), then you only have until 30th September to give notice.
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  #28  
Old 05.09.2006, 17:48
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Re: What happens if you do not pay health insurance?

Quote:
It may be expensive, it may be "not fair" if you are unemployed, but it's the rules in this here country. Your, er, friend does not have to stay here if the rules of their new host country are too onerous to comply with...

Some Swiss I've worked with (normal sensible chaps, otherwise) are also concerned that foreigners come here, don't take out insurance and the canton picks up any bills, cost them taxes etc... hhmmm maybe thank your friend for perpetuating these Swiss perceptions...
Many local government offices will contribute to your health insurance premiums if you are unemployed or simply poor.

When my husband was unemployed and I was underemployed, Basel Stadt (er, Basel City according to the rules and regulations) contributed about 300 of my 400 CHF bill for the month, and roughly the same percentage on his.
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  #29  
Old 05.09.2006, 17:57
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Re: What happens if you do not pay health insurance?

Quote:
By the way, the rule still is that some people can keep their foreign insurance if they want to. I posted a thread on how to do this in help and tips. It does depend on the disgression of the officer that you talk to.
Well now you are making me go digging. I got sent a letter of the change in law about 12 months ago from my town hall telling me I had to change or they would register for me and a copy of the relevant paragraph which I shall now have to hunt out. I would strongly recommend anyone to not rely on a foreign insurance policy as cover as I was also informed I will need to backpay. Now given that this is ca CHF 300 per month for the franchise they give you then you can see this is a bit of a big risk...

I will get back with the relevant law
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  #30  
Old 05.09.2006, 18:20
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Re: What happens if you do not pay health insurance?

Quote:
Many local government offices will contribute to your health insurance premiums if you are unemployed or simply poor.

When my husband was unemployed and I was underemployed, Basel Stadt (er, Basel City according to the rules and regulations) contributed about 300 of my 400 CHF bill for the month, and roughly the same percentage on his.
Yes, forgot, correct. Thanks.
Maybe it was his taxes subsidising the insurance he was complaining about...
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  #31  
Old 05.09.2006, 19:31
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Re: What happens if you do not pay health insurance?

Quote:
Nicky, I urge you to sort this out soon. If you have not had big bills in the past few months, sign up now as you are likely to not have to backpay. However, if you do not sign up, you WILL have to backpay, and you cannot select the insurance, nor your own franchise. It will be fixed at 300 CHF and you cannot select a higher risk, nor a better company. Check out comparis everyone, they have the new premiums for next year already!
Thanks for the warning Muze, I have actually got a quote from the insurance company, I have had it for a while but have been having a real problem getting an answer from the insurers about something, in the end I have just had to go ahead and go for the insurance without getting an answer to my query/worry

The forms have all been sent off so hopefully everything will be OK
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  #32  
Old 06.09.2006, 02:01
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Re: What happens if you do not pay health insurance?

It is quite serious if you don't pay your health insurance over here as it is the law! (LAMal)

It is also my job, lol.

Please get in touch via pm or mail for some advice. I've posted lots of times here offering my free services, guess it's time to take advantage!

Another important thing about the 30th September deadline is that your old insurance needs to receive your cancellation letter before the 30th. You should never, ever cancel until you have it in writing that a new insurance company accepts you (especially for complementary insurances). This could all take a week or two.

As for comparis, beware! It's not bad, but be aware that it is sponsored by certain companies who always come up at the top of the lists, in bold etc. Also, for the complementary insurance, it only tells you the prices and not exactly what they cover! You need to know what they cover in detail before going for any one company.

It is for these reasons and more that I do what I do. People just don't realise how much they are over-paying, they may not totally understand the system, may not know the history or philosophy of certain companies and why they may, therefore, not be adapted to the persons needs.

I work with all 94 caisses and I know them inside out, so if you have a question, PM ME!!

Good luck and get paying those premiums before they catch up with you!

Jenny
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  #33  
Old 06.09.2006, 02:12
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Re: What happens if you do not pay health insurance?

But Jenny, do we need that letter even if you just change the main compulsary insurance? I thought every company is obliged to accept anyone for the basic cover?

So are you an insurance broker? Do you work independently or for a company?
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  #34  
Old 06.09.2006, 02:22
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Re: What happens if you do not pay health insurance?

Richard and anyone else, if you need the form that lists the conditions under which you can keep your foreign insurance, pm me. The form also says which law it is (but I need to dig it up).

Basically if you can indicate you are here in CH for a fixed amount of time, say a few years, you might pull it off. If you are here longterm, no chance.

Secondly, if you have a European health insurance card (with the EU logo on a credit card type insurance pass), this process is easy and they have to allow you to keep it, and forego the Swiss insurance. The Kanton cannot refuse this, it is federal law.

If you not have the card, you need to fill in the form and it is harder to achieve.
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  #35  
Old 06.09.2006, 02:52
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Re: What happens if you do not pay health insurance?

That's right, I'm talking about complementary insurance.

For basic insurance, the law states that

- anyone living and/or working in Switzerland is free to choose who they wish to go with
- all companies must offer identical cover
- no company can refuse you

Prices change depending on age and where you live (nothing to do with income but you may be eligible for help if you have a low income) and depending on the franchise you take.

Children (0-18) and "young" adults (19-25) pay less.

I am independent but use the services of offices in Vevey (owned by a friend of mine) for administration and to receive clients etc. Don't work for any particular insurance company. I like to remain as independent and objective as possible. Some companies are cheaper for adults but may be a lot more expensive for children (than other companies), for example. People don't often realise this and put the whole family with the same company!

If you have insurance from your own country (e.g. UK has Bupa International) you may be able to keep it and not have to take out Swiss insurance. However, it's decided on a case by case basis and only goes for people who are/will be here for 5 years or less.
The cover from your own country must be equivalent to or better than what the LAMal covers you for.

Hope this clears things up somewhat!
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  #36  
Old 21.01.2008, 17:26
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Re: What happens if you do not pay health insurance?

I'll stay in Switzerland for 6 months, from March to September. I knew that I could use my European insurance card, but only for the first 3 months (I was told so by the Italian consulate in Zurich, and by the Italian minister of health), because it's basicly aimed at tourists, not to people who go to a foreign european country to work or study. Do you know if instead I could use it for the whole 6 months, avoiding in this way to open an health insurance? Thanks
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  #37  
Old 26.10.2010, 18:27
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Re: What happens if you do not pay health insurance?

I am a student i graduate in one year. i have cancelled my insurance because i got a cheaper one with my university but they have not reveived my letter for some reason. after one year, having tracked my new address, they start sending me bills again. i go to their office and tell them my story, they said they never received my cancellation letter. now i have an "acte de poursuite" and "avis de saisie" against me claiming that they want 9000 dollars. i do not have that amount of money and will not be able to pay it.
will they not renew my b-permit, and if they do, will they not give me my university diploma when i graduate in a year?
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  #38  
Old 26.10.2010, 19:09
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Re: What happens if you do not pay health insurance?

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I am a student i graduate in one year. i have cancelled my insurance because i got a cheaper one with my university but they have not reveived my letter for some reason. after one year, having tracked my new address, they start sending me bills again. i go to their office and tell them my story, they said they never received my cancellation letter. now i have an "acte de poursuite" and "avis de saisie" against me claiming that they want 9000 dollars. i do not have that amount of money and will not be able to pay it.
will they not renew my b-permit, and if they do, will they not give me my university diploma when i graduate in a year?


If you can prove to them that you have been covered with your "other" insurance you may be able to get the claim against you canceled. If you can not prove that you were insured with another company, you'll have to pay the amount owed because you were not covered during that time.

What will happen if you don't pay your bills, well, someone else will have to answer that
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  #39  
Old 26.10.2010, 19:24
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Re: What happens if you do not pay health insurance?

I am resident in both the UK and Switzerland but officially for tax in Switzerland.

Before any of you start; I pay National Insurance in the UK on my Directors Remuneration and have been for many years.

I have not seen a doctor anywhere in the world since 1993 apart from to get my medical certificate signed to drive a lorry on my licence (chf 50 for the privalige in Switzerland).

I decide to cancel my Swiss Health Insurance.
I wrote to KPT (certificate of post) and told them that I was so poor that I would not be able to make the monthly payments any longer and for them to therefore cancel Health Insurance policy with immediate effect.

Four months later, I received a letter from them telling me I was three months in arrears on my KPT Health Insurance.
I immediately wrote to them with a copy of the previous letter and a copy of the Certificate of Post explaining that I had cancelled it and had proof.

I then received a letter from the KPT informing me that I was not allowed to cancel the policy unless I had proof that I had a new Health Insuarnce Policy with another company and I therefore owed the arrears.

I paid up the arrears and continue to pay KPT roughly 10% of my Swiss gross earned income!
The myth about Swiss Tax being cheap. They don't tell you about the add ons.

I made a few calls and that is similarly the case and the only way that you can actually terminate your policy looks as if it is by becoming Non-Resident that can be proven by the Canton and Comune when you have declaration from them.
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Last edited by Cashboy; 26.10.2010 at 19:36.
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  #40  
Old 26.10.2010, 19:28
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Re: What happens if you do not pay health insurance?

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If you can prove to them that you have been covered with your "other" insurance you may be able to get the claim against you canceled. If you can not prove that you were insured with another company, you'll have to pay the amount owed because you were not covered during that time.

What will happen if you don't pay your bills, well, someone else will have to answer that

Thank you! i have my insurance card and its been the same one ive owned before, i hope they remove the claim.
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