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Old 23.06.2012, 18:13
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Student Health Insurance Subsidy Ends After Six Years Rant

Hi Guys,

I have a general question regarding the health insurance in Switzerland.
I'm a non-EU and I have been on student visa for last 6 years. So, I had kind of student care health insurance and it was more or less cheap. Now in the beginning of the 6th year the Kanton has sent me a letter explaining that the maximum period of exemption from Swiss health insurance and being on a student care is 6 years and not more. So, you have to sign a contract with a Swiss health insurance and you can not stay with your current Swiss insurer company on a student care. This is while I'm still a student.

Now the problem I have is, I don't see the logic behind this!
I still remember that Before coming to Switzerland, in Swiss embassy I had to sign that I'll leave Switzerland right after my studies and I had to show financial proofs/bank statements, etc. to prove that I'll not be a burden to Swiss society.
But what I see now, is different. I'm not imposing any costs on Swiss Society but their Society is imposing costs on me and probably many others. The point is, the general obligatory Swiss insurance considers all the people in their society (elderly, ...), while a student care just considers students (which are relatively young and healthy). That's why it is much more expensive.
The question is why I have to pay for their elderly people?

As I'm a non-EU I don't have any rights in Switzerland, I just mean that after these 6 years of being on Student permit in contrast to EU citizens, I can not apply for C residence permit or anything. So, in anycase this means that I have to leave, but why Swiss society is imposing these costs on me.
I know that this is a rule. But in my opinion this is not fair.
I'm just asking here because I want to know if you see the logic behind.

K
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Old 23.06.2012, 18:22
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Re: Why?!

Welcome to the EF.

You sound like you have been here for a while so I won't say welcome to CH but I hope you carry on staying here and having a good time.

In answer to your question: I guess the Swiss authorities consider 6 years of studentship to be a sufficient time to reap the 'rewards' of such a life and to contribute back tot he general coffers. Yes, the young probably do cost less to insure for health purposes but roll forward a few years and if you have not had the most successful of careers would you like to face the full bill for a long-term illness?
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Old 23.06.2012, 18:40
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Re: Why?!

Life isn't fair. Anyway, you've had a good run for your money on your six years cheap health insurance while others (maybe even a few oldies) have, I presume, subsidised your higher education.
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Old 23.06.2012, 18:50
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Re: Why?!

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Life isn't fair. Anyway, you've had a good run for your money on your six years cheap health insurance while others (maybe even a few oldies) have, I presume, subsidised your higher education.
This. The reason why your insurance was cheap is because it was subsidized by others, so don't complain.
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Old 23.06.2012, 18:51
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Re: Why?!

My guess is also that 6 years is long enough...is this a combined undergrad/grad degree? Six years studying is a long time and the authorities probably figure that if you had the choice, you would stay for 16 years as a student, so they probably pick an amount of time that they feel is "fair" for one to pursue studies and then cap the time for certain benefits after that length of time. Although, this is just a guess from me, I personally have no experience in the university system here and don't know what is expected.
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Old 23.06.2012, 19:01
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Re: Why?!

I hope you weren't studying economics for 6 years...
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Old 23.06.2012, 19:03
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

Hello and welcome to the English Forum.

Yes, I understand the logic behind it. Sucks a bit, though.
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Old 23.06.2012, 19:09
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Re: Why?!

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This. The reason why your insurance was cheap is because it was subsidized by others, so don't complain.
First of all, thanks for the responses.

The reason why my insurance was cheap is that it was a student insurance. This means that insurer company just registers students for this kind of insurance and apparently students have less health expenses . So, my insurance was not subsidized by others and I was just paying the same amount that I had to pay as a student to not be a burden to Swiss Society.

And apparently, as a student you don't work/or you don't get paid like others. So, I don't think that one wants to remain on studentship because of the cheap insurance. With studentship no one can have a good run for his money.
I think this is just another unjustified Swiss law which is imposed on people like me that can not say anything on that!
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Old 23.06.2012, 19:14
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Re: Why?!

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With studentship no one can have a good run for his money.
That isn't what the phrase means. In this case it means you have a long spell of getting it cheap; now the time is up.

And please would someone explain to the guy out how subsidies work...
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Old 23.06.2012, 19:16
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Re: Why?!

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My guess is also that 6 years is long enough...is this a combined undergrad/grad degree? Six years studying is a long time and the authorities probably figure that if you had the choice, you would stay for 16 years as a student, so they probably pick an amount of time that they feel is "fair" for one to pursue studies and then cap the time for certain benefits after that length of time. Although, this is just a guess from me, I personally have no experience in the university system here and don't know what is expected.
That is exactly the logic behind it.

To the OP: You have got a better deal than Swiss students for 6 years. I can understand that it probably sucks that you are treated like anybody else now.
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Old 23.06.2012, 19:29
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Re: Why?!

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That isn't what the phrase means. In this case it means you have a long spell of getting it cheap; now the time is up.

And please would someone explain to the guy out how subsidies work...
Hi Longbyt,

Thanks for your responses. If you mean something like the following for student subsidy:
Students entitled to apply for Health Insurance Subsidy

I have never applied for any kind of subsidy. As I mentioned, I have never been a burden to Swiss society as it was planned. But I have the feeling that the Swiss government is imposing rules to make the Swiss society a burden to people like me.
I was only on a student care, which cares about students, i.e. my money supports students and I'll be supported with the money from students, and apparently students don't have a lot of health problems. E.g. during these 6 years I never had needed to go to any medical doctor/hospitals. Well, as a student I didn't have enough money to pay for that 300CHF franchise per year, so I tried to be away from illness.
All in all this means, I was paying less because I was only paying for students like myself, not because of getting any kind of subsidies.
Now they expect that I pay for everyone!
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Old 23.06.2012, 19:35
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

Hi there, not to be a witch, but...did you get a taxpayer-subsidized scholarship to be able to continue your studies for 6 years, or did you pay all of it out of your own pocket?

I know it sucks to pay more when you were used to paying less, but if you did get a scholarship, then your increased premium does not subsidize people, but actually gives back to society. Kind of hard to formulate a precise reply without knowing the full facts though.
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Old 23.06.2012, 19:47
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

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Hi there, not to be a witch, but...did you get a taxpayer-subsidized scholarship to be able to continue your studies for 6 years, or did you pay all of it out of your own pocket?

I know it sucks to pay more when you were used to paying less, but if you did get a scholarship, then your increased premium does not subsidize people, but actually gives back to society. Kind of hard to formulate a precise reply without knowing the full facts though.
Hi BokerTov,

I understand your point, but that's not what I'm going to insist here. I just want to know if I have a misunderstanding about the logic behind this rule. Because as you see, the logic that I see behind this, doesn't give me a good feeling...I just don't want to have prejudice whenever I face a similar problem in Switzerland in the future.

Regarding your question,
No I didn't get any scholarship, as I mentioned, before coming to Switzerland, we have to prove that we are not a burden to Swiss Society. To prove this, as a student, in order to get your residence permit extended every year, every year you have to show that you have at least 21,000CHF in your bank account.
This is how the Swiss government makes sure that you are not a burden to Swiss society.
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Old 23.06.2012, 19:54
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

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No I didn't get any scholarship, as I mentioned, before coming to Switzerland, we have to prove that we are not a burden to Swiss Society. To prove this, as a student, in order to get your residence permit extended every year, every year you have to show that you have at least 21,000CHF in your bank account.
And this is the Ch 21.000 you pay each year for your studies?
This is an interesting article about the cost of University (cost to the state that is) .
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Old 23.06.2012, 20:09
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

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No I didn't get any scholarship, as I mentioned, before coming to Switzerland, we have to prove that we are not a burden to Swiss Society. To prove this, as a student, in order to get your residence permit extended every year, every year you have to show that you have at least 21,000CHF in your bank account.
This is how the Swiss government makes sure that you are not a burden to Swiss society.
That's great. But how much do you tuition do you actually pay? How many years did you contribute to the Swiss economy? You see where this is going? It if wasn't for the Swiss, your education would have cost double (or more).

You've had 6 years to be a student. Time is up. You're not all the young anymore.

BTW, I'm much older than student age but have only been to the Dr for my regular yearly check up. Do I get to also have a student insurance plan too?
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Old 23.06.2012, 20:13
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

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And this is the Ch 21.000 you pay each year for your studies?
This is an interesting article about the cost of University (cost to the state that is) .
Hi Longbyt,

No, its the cost to cover everything, tuition/living expenses.

But thanks for the link, I read it. To be honest, now I see the logic behind this. The education should cost more than the tuition fees which currently we are paying as foreign students.
Probably having rules such as 6 years period is a way to push students out of the universities as soon as possible that they don't burden more costs to the educational system which is subsidized and supported by the Public sector (Swiss government).
I'm happy that I asked my question here and this somewhat prevented me from having a bad impression about the Swiss and their rules.

Thanks,
K
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Old 23.06.2012, 20:15
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

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Hi BokerTov,

I understand your point, but that's not what I'm going to insist here. I just want to know if I have a misunderstanding about the logic behind this rule. Because as you see, the logic that I see behind this, doesn't give me a good feeling...I just don't want to have prejudice whenever I face a similar problem in Switzerland in the future.
Well, you shouldn't be prejudiced: You will now be paying the same amount in premiums as Swiss students and those foreign students who live here with their parents.

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Regarding your question,
No I didn't get any scholarship, as I mentioned, before coming to Switzerland, we have to prove that we are not a burden to Swiss Society. To prove this, as a student, in order to get your residence permit extended every year, every year you have to show that you have at least 21,000CHF in your bank account.
This is how the Swiss government makes sure that you are not a burden to Swiss society.

But you still cost the state (the taxpayer) a lot of money, as your tuition fees do not cover the actual cost of your education (you'd pay at least arround 25'000 per year if they did, much more depending on what you are studying) and the taxes you are paying most certainly don't cover other costs (such as the streets you are using, public transport etc.).

You know what: I am fine with that. The idea behind this is that on the long run, society as a whole profits from well educated people. I am also fine with paying my premiums (financing the treatment of the elderly and the sick) as I think that on the long run, society as a whole profits from a healthy populace and the fact that those who are either ill or simply old (can't really avoid that one) are being taken care of.
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Old 23.06.2012, 20:52
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

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Hi Guys,

I have a general question regarding the health insurance in Switzerland.
I'm a non-EU and I have been on student visa for last 6 years. So, I had kind of student care health insurance and it was more or less cheap. Now in the beginning of the 6th year the Kanton has sent me a letter explaining that the maximum period of exemption from Swiss health insurance and being on a student care is 6 years and not more. So, you have to sign a contract with a Swiss health insurance and you can not stay with your current Swiss insurer company on a student care. This is while I'm still a student.
...
I didn' really understand that.

However, make sure you don't mix up cheap special insurance programs for students on the one hand and students' or low-earners' insurance Cantonal benefits on the other.


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...
As I'm a non-EU I don't have any rights in Switzerland, ...
...
Not true.


Quote:
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...
... after these 6 years of being on Student permit in contrast to EU citizens, I can not apply for C residence permit or anything.
...
Neither could an EU citizen.


However, yes, I see your point:
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...
The question is why I have to pay for their elderly people?
...
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...
... apparently students have less health expenses . So, my insurance was not subsidized by others and I was just paying the same amount that I had to pay as a student to not be a burden to Swiss Society.

And apparently, as a student you don't work/or you don't get paid like others. So, I don't think that one wants to remain on studentship because of the cheap insurance. With studentship no one can have a good run for his money.
...

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...
If you mean something like the following for student subsidy:
http://www.englishforum.ch/insurance/75734-students-entitled-apply-health-insurance-subsidy.html
...
Ask in your municipality for it. It does not depend upon syndicates or health insurance companies, but upon the Canton (so probably your municipality will give you further Cantonal addresses).

Might worth a try also to figure out if there is a bilateral agreement on this matter with your country of origin.

As a foreign student, you may not need (or have needed) a Swiss health insurance at all.
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Old 23.06.2012, 23:14
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Re: Why?!

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This. The reason why your insurance was cheap is because it was subsidized by others, so don't complain.
This is a common misconception, and isn't true.

The discount health insurers pay full market, unsubsidised rate for the healthcare provided to their customers. They receive no "top-up" money from the Swiss government, and I'm more than certain they are charging their customers enough to cover their own costs

It just so happens that they can do this at lower cost because the average health bills of temporary residents is lower than that of the permanent residents. Whether there should be this distinction at all is a different question, but they are not receiving any subsidy as such to do so.
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Old 23.06.2012, 23:20
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Re: Student Health Insurance Subsidy Ends After Six Years Rant

6 years and you still haven't finished your studies time to start paying your own way instead of the rest of us paying it for you!!!
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