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Old 29.09.2012, 00:58
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Exemption of Health Insurance in CH

The following link

http://www.bag.admin.ch/themen/krank...x.html?lang=en

provides information to those who are trying to get an exemption for a mandatory Swiss health insurance. I found the below statement particularly relevant for me


The following are exempted on request:
- people who are required to have health insurance under the law of a country with which no agreement has been concluded concerning limitation of the obligation to obtain insurance, insofar as liability to Swiss insurance would impose a double burden;



My question: Has anyone tried it to implement the above for being exempted from the Swiss mandatory health insurance payment?
I am paying a mandatory national health insurance at my home-country (non-EU), simply bcause this is the law there. However, when I was a student in CH I had a cheap (but real good) Health Insurance in CH. This would be my plan: to have a cheap health insurance in CH.
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Old 29.09.2012, 01:09
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Re: Exemption of Health Insurance in CH

Do you need Swiss health insurance if.......

If you are a student or researcher this clause applies, otherwise you have to have Swiss insurance.

Last Sunday Switzerlamd voted to cancel this option.

Cheap insurance for researchers and academic staff coming to an end soon.
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Old 29.09.2012, 10:19
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Re: Exemption of Health Insurance in CH

Thank, but observe the following please


The following are exempted on request:
- people who are required to have health insurance under the law of a country with which no agreement has been concluded concerning limitation of the obligation to obtain insurance, insofar as liability to Swiss insurance would impose a double burden;


Taken from
http://www.bag.admin.ch/themen/krank...x.html?lang=en

Is anyone experienced with this, or can comment?




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Do you need Swiss health insurance if.......

If you are a student or researcher this clause applies, otherwise you have to have Swiss insurance.

Last Sunday Switzerlamd voted to cancel this option.

Cheap insurance for researchers and academic staff coming to an end soon.
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Old 29.09.2012, 10:37
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Re: Exemption of Health Insurance in CH

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Thank, but observe the following please


The following are exempted on request:
- people who are required to have health insurance under the law of a country with which no agreement has been concluded concerning limitation of the obligation to obtain insurance, insofar as liability to Swiss insurance would impose a double burden;


Taken from
http://www.bag.admin.ch/themen/krank...x.html?lang=en

Is anyone experienced with this, or can comment?
Are you saying that you have to continue paying health insurance in Israel whilst you are living in Switzerland and this would cover you here? I didn't quite understand it.
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Old 29.09.2012, 11:08
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Re: Exemption of Health Insurance in CH

Not exactly: I am paying my mandatory health insurance in Israel, and thus according to the preceding law, I can request to exempt me from paying the mandatory health insurance policy in CH (in fact, some colleague several years ago has proceeded this way).

At the same time, I am willing to have an international health in CH (my Israeli health insurance would not cover me in CH).

This was the case for me for the last 4 years, as I was a student here (nonetheless I was paying my mandatory health insurance in Israel). I am not a student anymore, but seems that the law which I have quoted would allow me to proceed the same way (?)

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Are you saying that you have to continue paying health insurance in Israel whilst you are living in Switzerland and this would cover you here? I didn't quite understand it.
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Old 29.09.2012, 11:59
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Re: Exemption of Health Insurance in CH

Speak to your Gemeinde. I did. I came over and still had a valid international health insurance agreement. Normally I would have been required to switch into a local one but because my wife was pregnant the quality of care that would have been covered in Switzerland would have been worse. IIRC, in Switzerland, coverage for pregnancy isnt covered until after you have been paying insurance premiums for one year. Or something like that. Our international insurance covered all costs. Much better care for us. We got our exemption on this basis. Our exemption was for a few months.

Interestingly, one health provider tried to convince us that there was no way we could get an exemption and it was mandatory to get Swiss insurance. She either didnt know her stuff or lied. Tried to press us to sign up before we had the facts. Needless to say I dont use them now.

Long story short, speak to your Gemeinde. They will tell you whether you can claim exemption and what you have to do.
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Old 29.09.2012, 12:09
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Re: Exemption of Health Insurance in CH

Thank you, I however wold like to have this international health insurance for years... as it is much better in terms of the conditions, and since I am forced to pay a mandatory health-insurance at my home country.

As per now, I am having the international health insurance and will not contact the Swiss authorities before they send me an official letter forcing me to do it....


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Speak to your Gemeinde. I did. I came over and still had a valid international health insurance agreement. Normally I would have been required to switch into a local one but because my wife was pregnant the quality of care that would have been covered in Switzerland would have been worse. IIRC, in Switzerland, coverage for pregnancy isnt covered until after you have been paying insurance premiums for one year. Or something like that. Our international insurance covered all costs. Much better care for us. We got our exemption on this basis. Our exemption was for a few months.

Interestingly, one health provider tried to convince us that there was no way we could get an exemption and it was mandatory to get Swiss insurance. She either didnt know her stuff or lied. Tried to press us to sign up before we had the facts. Needless to say I dont use them now.

Long story short, speak to your Gemeinde. They will tell you whether you can claim exemption and what you have to do.
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Old 29.09.2012, 12:41
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Re: Exemption of Health Insurance in CH

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As per now, I am having the international health insurance and will not contact the Swiss authorities before they send me an official letter forcing me to do it....
If it goes against you and the Swiss authorities deem it not possible to have your own insurance you'll be liable for back-pay for however many months you should have been paying it (i.e. from when you enter the country).

I think you are taking a real risk not discussing it with the authorities. You could be in for a very nasty surprise. If there is no issue with you keeping your Israeli insurance, you should be fine but it could get messy (and expensive) if it's not sufficient.

You say you came to some agreement when you were here before, why can't you go down the same route this time?
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Old 29.09.2012, 13:14
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Re: Exemption of Health Insurance in CH

Thanks, I actually was not aware of this retroactive Swiss insurance payments -- are you sure it is true? I think a strong case anyway, as I have not left Switzerland and did not change my international health insurance, as I was not required to do so...

Moreover, I have an official letter from the Swiss authorities allowing me to have an international health insurance until 31.12.2012


I will try to find out more.



Are you sure I need to contact my Kreisbuero for this?


Quote:
If it goes against you and the Swiss authorities deem it not possible to have your own insurance you'll be liable for back-pay for however many months you should have been paying it (i.e. from when you enter the country).

I think you are taking a real risk not discussing it with the authorities. You could be in for a very nasty surprise. If there is no issue with you keeping your Israeli insurance, you should be fine but it could get messy (and expensive) if it's not sufficient.

You say you came to some agreement when you were here before, why can't you go down the same route this time?
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Old 29.09.2012, 14:50
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Re: Exemption of Health Insurance in CH

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Thanks, I actually was not aware of this retroactive Swiss insurance payments -- are you sure it is true? I think a strong case anyway, as I have not left Switzerland and did not change my international health insurance, as I was not required to do so...

Moreover, I have an official letter from the Swiss authorities allowing me to have an international health insurance until 31.12.2012


I will try to find out more.



Are you sure I need to contact my Kreisbuero for this?
All I am saying is that you are taking a risk not discussing it with the relevant authorities. You seem to have some doubt in your mind (otherwise you wouldn't have posted this thread) that your international insurance is sufficient or is acceptable in Switzerland so burying your head in the sand until they decide one way or the other is not the solution.

Under normal circumstances, the general rule is that you start paying for insurance from the first month you enter the country. If you don't do this, you will receive a backdated bill from that point.

If the Swiss authorities don't recognise your insurance as it stands or if they change their stance on it if your circumstances change you might run the risk of backdated payments from whichever point is relevant.

All I am saying is - get it checked out then you know for sure.
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Old 29.09.2012, 15:54
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Re: Exemption of Health Insurance in CH

He asked the same question 14 weeks ago,

[Paying mand. HI in home state] Obliged to have a HI in CH?
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Old 29.09.2012, 22:32
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Re: Exemption of Health Insurance in CH

If you are currently resident in CH, working and no longer a student- then I fail to understand why you should be exempt of paying Swiss health insurance (as most of us do). Could you please provide a link to show that you are OBLIGED to pay Israel health insurance, even though you've not bee resident there for years? Thanks.
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Old 29.09.2012, 22:43
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Re: Exemption of Health Insurance in CH

Thanks for the message. To your first question, let me repeat and provide you with the following

The following are exempted on request:
- people who are required to have health insurance under the law of a country with which no agreement has been concluded concerning limitation of the obligation to obtain insurance, insofar as liability to Swiss insurance would impose a double burden;


Taken from
http://www.bag.admin.ch/themen/krank...x.html?lang=en

Here is the Israeli link you were requesting (sorry Hebrew only):
http://www.btl.gov.il/insurance/livi...s/default.aspx

Why were you asking for this? Are you testing me?



Quote:
If you are currently resident in CH, working and no longer a student- then I fail to understand why you should be exempt of paying Swiss health insurance (as most of us do). Could you please provide a link to show that you are OBLIGED to pay Israel health insurance, even though you've not bee resident there for years? Thanks.
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Old 30.09.2012, 00:22
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Re: Exemption of Health Insurance in CH

Hi - sorry but my Hebrew is a bit limited. Testing you? No - just want to understand for sure why you think/know that an Israel citizen is OBLIGED to have health insurance from Israel even when not a resident for many years???

Edit - if you read your own link (available in English) you will see that residents in Israel are obliged to have health insurance - and that there are clear guidelines for Israeli citizens who live abroad. What do you think would happen if you had a serious injury or illness here in Switzerland. That 'we' who pay would be expected to pay for you - or do you think your Israeli insurance would pick up the bill?

Last edited by Odile; 30.09.2012 at 00:36.
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Old 30.09.2012, 00:53
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Re: Exemption of Health Insurance in CH

Thanks for your reply, but you have not followed up all my messages (which is evidently not expected from you). First, what you have described is more an accident -- this type of coverage is held by me since I am employed here. Secondly, I have an International private health insurance that covered expenses already in the past and would cover any health related expenses here in CH (besides my Israeli health insurance policy who would not cover a Swiss based health issue).

I am acquainted very well with the Israeli law and have been in touch with the authorities in Israel who have explained to me that I am obliged to pay my health insurance premium in Israel.

Edit -- I am considered a resident of Israel



Quote:
Hi - sorry but my Hebrew is a bit limited. Testing you? No - just want to understand for sure why you think/know that an Israel citizen is OBLIGED to have health insurance from Israel even when not a resident for many years???

Edit - if you read your own link (available in English) you will see that residents in Israel are obliged to have health insurance - and that there are clear guidelines for Israeli citizens who live abroad. What do you think would happen if you had a serious injury or illness here in Switzerland. That 'we' who pay would be expected to pay for you - or do you think your Israeli insurance would pick up the bill?
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Old 30.09.2012, 00:58
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Re: Exemption of Health Insurance in CH

Vlad_Island, the Stadt Zürich Gesundheits- und Umweltdepartment has put together an 'indivudelle Abklärung' to give you an idea as to whether or not you might be eligible to be freed from the requirement to purchase Swiss insurance.

http://www.stadt-zuerich.ch/content/...bklaerung.html

If it turns out that you might not be required to purchase Swiss insurance, you will need to follow through with the Gesundheits- und Umweltdepartment - the evidence you need to present to them is listed.

You should direct your questions directly to the source - contact details are here:

http://www.stadt-zuerich.ch/content/...t/kontakt.html
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Old 30.09.2012, 01:00
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Re: Exemption of Health Insurance in CH

Thank you! the best answer I have received so far.

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Vlad_Island, the Stadt Zürich Gesundheits- und Umweltdepartment has put together an 'indivudelle Abklärung' to give you an idea as to whether or not you might be eligible to be freed from the requirement to purchase Swiss insurance.

http://www.stadt-zuerich.ch/content/...bklaerung.html

If it turns out that you might not be required to purchase Swiss insurance, you will need to follow through with the Gesundheits- und Umweltdepartment - the evidence you need to present to them is listed.

You should direct your questions directly to the source - contact details are here:

http://www.stadt-zuerich.ch/content/...t/kontakt.html
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Old 30.09.2012, 01:42
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Re: Exemption of Health Insurance in CH

Actually I don't understand what you want from your Gemeinde, Kreisbüro, Kanton or whatever if not a subidy to a Swiss health insurance.

If we are talking exemption from a compulsory Swiss insurance, I would try to contact KVG/LaMal offices at Solothurn, not others. The office of Krankenversicherungsgesetz is who counts on this matter, not the other ones, afaik.
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