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Old 01.10.2007, 20:23
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starting date of the health insurance

i have arrived 1.9.

started to look @ h.insurance today

talked to a health insurance guy over the phone, he is saying that i can 'choose' the starting date of the insurance as of 1.10.

as i have understood, you have three months to find the insurance but it doesn't matter when you find it because you will get the bill for all the time you are here

who is wrong?
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Old 01.10.2007, 21:22
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Re: starting date of the health insurance

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i have arrived 1.9.

started to look @ h.insurance today

talked to a health insurance guy over the phone, he is saying that i can 'choose' the starting date of the insurance as of 1.10.

as i have understood, you have three months to find the insurance but it doesn't matter when you find it because you will get the bill for all the time you are here

who is wrong?

For basic (obligated insurance, which is most expensive part), you will get the bill from the day you entry (for you Sept. 1). I contacted with insurance broker after landed one and half month, I still need pay the basic insurance fee from the day I entry even I did not have any healthe insurance service that time. Just buy it right now since you still can have this service.
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Old 02.10.2007, 02:08
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Re: starting date of the health insurance

You will get billed from the date you arrived as stated on your permit - this is one of the reasons the company will ask for it regardless of whether or not you will have it.

Occasionally you can get around this if you had another insurance but that needs to be agreed and accepted. For example when we arrived for a couple of months we had our Dutch medical insurance which we extended to cover us in Switzerland.
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Old 03.10.2007, 16:02
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Re: starting date of the health insurance

When you fill in your proposition to be covered by a company (or the person you're in contact with does it for you) you have to state the date from which you wish the insurance to start.

You can always try. You don't lose anything. I've done this for a couple of people and it seemed to work ok....

For complementary, the ruling is clear. It can only begin from the first of the month following your signature.

e.g. you sign the 16th October, your complementary starts on the 1st of November.

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Old 09.10.2007, 09:56
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Re: starting date of the health insurance

Does anyone know if British citizens are covered by the NHS still when they first arrive, perhaps by an E111 or similar? If "Yes" then how long does it last and where can one get writtern proof?

An insurance company told me that if we were covered and had written proof then we would not need to start a new contract with them until that cover had finished.

Any attempt at answers much appreciated.
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Old 09.10.2007, 10:04
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Re: starting date of the health insurance

We just got our insurance as I was woefully close to my 3-month deadline. We had a couple of agents come to our place to try and hock their wares. We asked this question of each one and they said something along the lines of "technically, we should make it retroactive until the date of entry, but if you go with us, we'll let you slide and start it from today". We haven't received our 1st invoice yet, so let's see what happens.
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Old 09.10.2007, 10:09
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Re: starting date of the health insurance

Thanks, that's certainly encouraging.

It seems that the local community only care that you are insured on the date when they ask to check to complete your registration. They seem to leave the start date up to the insurance company and are not bothered whether it is the date you arrived or later. Does that sound about right to you too?
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Old 09.10.2007, 22:17
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Re: starting date of the health insurance

the insurance company here wanted to back date mine .i insisted i wanted it to start on Oct 1st 3 months on . I said i was insured from the UK by the NHS .then we had a funny discussion . they wanted to see the "contract" . i explained it was free in the UK. now we were in real unexplored territory. free? there must be a contract we want to see evidence. i was stumped - what do you show them as evidence? when i tried to explain the NHS system they were completely lost and had no idea of the concept and kept asking for the contract to prove i was insured. i had no idea what to do so i gave in and paid the backdated amount.
if anyone knows how to "prove" you are insured in the UK please post as it might help folks who are coming here.
still perplexed....
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Old 10.10.2007, 12:26
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Re: starting date of the health insurance

Hi, I've just posted this on another thread (not sure of 'forum etiquette' in this repsect) and you might find it useful. The thread was started by NicktheGreek and is called something like "starting date".

"The websites are clear thanks. After following the usual chain of phone numbers in British bureaucracy it sounds like the EHIC would be useful as long as you don't intend to be resident here. It sounds to me like a straight replacement for the E111.

If you are intending to work then i think you can get up to several years cover with a 'Residual E106' if you have contributed enough National Insurance in the last 3 tax years. This may be acceptable in place the most basic of private paid Swiss insurance. There is also a 'non-working E106' and an E101 for people who are working but i'm not so sure about those."

EHIC: http://www.dh.gov.uk/en/Policyandgui...orld/index.htm

If you want to go for the 'Residual E106' as proof for the Gemeinde then this is the best number i found: +44 (0)191 218 1999. Have your National Insurance number handy.
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