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Old 27.01.2014, 13:18
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Stop Health Insurance whilst studying abroad

Hi

I have been looking around the forum, but as of yet do not have definative answer to the question.

Can the mandatory health insurance be suspended/stopped, whilst my children go abroad (UK) to study ?

I know that the C Permit can be suspended for 4 years: We do not want to do that, as that taxman at the Gemeinde adviced it wold be more tax beneficial if we did not "Abmelden".

I am sure there are others in the same situation (i.e Children studying abroad), I would be greatful if you could advice as to what is the best way to handle this.
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Old 27.01.2014, 13:33
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Re: Stop Health Insurance whilst studying abroad

I thought you had to de-register, but do avoid it if possible. My daughter was born in Bern, she left to study at age 15 and lost her 'C' permit when she came back. She was given a 'B'

BUT, the cost of cheapest health insurance is only about Fr 67 per month. How are you going to insure the student for medical care when living abroad?

http://en.comparis.ch/krankenkassen/...kingViewType=2
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Old 27.01.2014, 13:43
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Re: Stop Health Insurance whilst studying abroad

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BUT, the cost of cheapest health insurance is only about Fr 67 per month. How are you going to insure the student for medical care when living abroad?

http://en.comparis.ch/krankenkassen/...kingViewType=2
Thanks for the link, but my daughter will be 18 when she starts her studies in September, so will be a higher (approx. 220chf).

Since she is a Uk citizen and as Student, then she will be covered by the NHS (National Health Service), which is free.
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Old 27.01.2014, 13:57
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Re: Stop Health Insurance whilst studying abroad

I looked into this for my daughter when she left for university and never did find a definitive answer. However, we decided to keep local insurance because if she is ever so sick or injured that she needs to spend time recuperating with us, she will need health insurance here.
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Old 27.01.2014, 14:02
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Re: Stop Health Insurance whilst studying abroad

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Thanks for the link, but my daughter will be 18 when she starts her studies in September, so will be a higher (approx. 220chf).

Since she is a Uk citizen and as Student, then she will be covered by the NHS (National Health Service), which is free.
It is indeed free if you live there. You are supposed to hand in your NHS card when you leave. Your choice, but they are cracking down on un-healthy tourists.
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Old 27.01.2014, 14:17
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Re: Stop Health Insurance whilst studying abroad

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I looked into this for my daughter when she left for university and never did find a definitive answer. However, we decided to keep local insurance because if she is ever so sick or injured that she needs to spend time recuperating with us, she will need health insurance here.

The European Health Insurance Card or EHIC (formerly the E111 form) allows the holder to access health care services when travelling to or on holiday in another EU or EEA country.

I assume that my daughter will also get this, as she will be resident in the UK. Will need to verify this with the UK authorities.
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Old 27.01.2014, 15:01
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Re: Stop Health Insurance whilst studying abroad

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The European Health Insurance Card or EHIC (formerly the E111 form) allows the holder to access health care services when travelling to or on holiday in another EU or EEA country.

I assume that my daughter will also get this, as she will be resident in the UK. Will need to verify this with the UK authorities.
Hi there..

You have two options, really:

- if you want to keep her Swiss residence permit active (or, rather, if she wants to keep her Swiss permit, as she will be over 18), then she must pay the Swiss Health insurance. There is no way out really. Swiss permit = pay swiss insurance, in most cases. With very few exceptions (if you are retired, or if you are here temporarily eg for 1 year to study and your home insurance covers all the swiss does). Having an English EHIC (E111) doesn't count, as it covers only emergency (accident) insurance which is way LESS than the required LaMal/KVG standard. Even so, it's not the health companies who decide, it's the Cantonal authorities who must be persuated and give the OK that she doesnt need Swiss health insurance. The reasons accepted are very rare where someone will be given a residence card and not be subject to health insurance. If it was so easy then almost all British in Switzerland would be avoiding health insurance. Also Note that in order to keep your swiss C permit, the person must visit Switzerland every 6 months, otherwise the Swiss have a right to consider it cancelled. (I.e, as if she left the country for good without telling them.)

- if she wants to return her permit, she can put it on "hold" for up to 4 years I think. But she must ask for the permit to be put on hold before surrendering it. Going to study is a valid reason for that as far as I know. When she returns back she gets the C permit back. In the meanwhile, they give her a letter saying she has a right to the C until so and so time. She wont have to pay Swiss health insurance when away.

- if she leaves (returns her permit) and doesnt ask for it to be put on hold, then she can return also within 4 years if she has found a job back here. She will get a B permit, but have no employment restrictions (not relevant as she is EU).

So, you have to assess the tax advantage of having her living here, against the cost of paying for her health insurance which comes with it.
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Old 27.01.2014, 15:14
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Re: Stop Health Insurance whilst studying abroad

Reduce her current health insurance to the lowest possible premium, which will be in the range of 60 - 80 CHF per month.

This way you keep Swiss residence (and retain associated tax benefits), and avoid the otherwise necessary administrative nuances of de-registering, filing the paperwork with the health insurer to cancel the insurance, and then on her return to Switzerland re-registering etc.
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Old 27.01.2014, 15:21
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Re: Stop Health Insurance whilst studying abroad

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So, you have to assess the tax advantage of having her living here, against the cost of paying for her health insurance which comes with it.
You are correct, that is what we have to weigh up.

Apperently you can make some tax deductions (Staat:2000CHF, Bund:6000CHF ) if you support a child studying abroad. So will have to get an accountent to do some calculations and see what is the best choice.

I think from a Health coverage point of view, it does not matter either way (Based on the basic/mandatory health insurance). The coverage is the same (not sure about the standard)
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Old 27.01.2014, 15:40
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Re: Stop Health Insurance whilst studying abroad

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Reduce her current health insurance to the lowest possible premium, which will be in the range of 60 - 80 CHF per month.

This way you keep Swiss residence (and retain associated tax benefits), and avoid the otherwise necessary administrative nuances of de-registering, filing the paperwork with the health insurer to cancel the insurance, and then on her return to Switzerland re-registering etc.

If it was 60-80 CHF, then it would be a no brainer. But these premiums are for children under the age of 18. Over 18 then the premium is closer to 200 CHF per month.
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Old 27.01.2014, 18:21
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Re: Stop Health Insurance whilst studying abroad

Yes, but the trade off against tax benefits/dependent child allowances might make this a break even or even a net gain for you depending on your canton of residence. Allowances for example across the cantons range from the 200CHF to 425CHF per child.
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Old 27.01.2014, 20:18
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Re: Stop Health Insurance whilst studying abroad

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Yes, but the trade off against tax benefits/dependent child allowances might make this a break even or even a net gain for you depending on your canton of residence. Allowances for example across the cantons range from the 200CHF to 425CHF per child.
Also check to see how long you can take the child allowance if she is studying abroad. We could only take it for one year.
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Old 28.01.2014, 08:02
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Re: Stop Health Insurance whilst studying abroad

The UK NHS is not free but is paid for by the UK taxpayers. If you were living in the UK then you would be contributing towards the cost of that service. Since you are living here it only seems right that you continue with the health cover here.
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Old 28.01.2014, 11:17
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Re: Stop Health Insurance whilst studying abroad

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The UK NHS is not free but is paid for by the UK taxpayers. If you were living in the UK then you would be contributing towards the cost of that service. Since you are living here it only seems right that you continue with the health cover here.
As a student she will be contributing to the UK tax economy via tuition fees, rental accomodation etc.

In any case it is not that she cannot (legally) use the health service, it is more to do with the point, whether we should pay into the Swiss health system, when it is not necessary.
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Old 28.01.2014, 11:20
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Re: Stop Health Insurance whilst studying abroad

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Also check to see how long you can take the child allowance if she is studying abroad. We could only take it for one year.
I think, as long as she is in higher education, we can claim the child allowance in Switzerland until she is 25.
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Old 28.01.2014, 11:30
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Re: Stop Health Insurance whilst studying abroad

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The UK NHS is not free but is paid for by the UK taxpayers. If you were living in the UK then you would be contributing towards the cost of that service. Since you are living here it only seems right that you continue with the health cover here.
Most people living in the UK get tax Credits, so don't contribute in any way to the cost of the NHS.
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Old 28.01.2014, 11:36
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Re: Stop Health Insurance whilst studying abroad

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The European Health Insurance Card or EHIC (formerly the E111 form) allows the holder to access health care services when travelling to or on holiday in another EU or EEA country.

I assume that my daughter will also get this, as she will be resident in the UK. Will need to verify this with the UK authorities.
The EHIC only covers emergency care. And also you need to have a foreign EHIC for it to work- so you can't have a Swiss EHIC (as resident here) and use it in Switzerland. When we came here from UK we had to replace our UK EHIC for a Swiss EHIC- to be covered for emergencies abroad (we also have Swiss yearly travel insurance). So if- and I am sorry to look at worst scenario here- she was to have a serious accident in the UK or a serious illness- I am sure you would want her to come and stay with you for the recovery period- etc- and with EHIC she would not be covered. Same if she was injured during a holiday here, or developed a serious illness (sorry, but it does happen, sadly). The other issue would be- if you intend to stay in CH, and she wants to ask for naturalisation at one stage- de-registering and stopping health cover would mean starting count of years from scratch. I would also adivse shopping around for the lowest insurance wiht the highest franchise for the 2 above reasons.

Last edited by Odile; 28.01.2014 at 11:58.
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Old 28.01.2014, 11:38
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Re: Stop Health Insurance whilst studying abroad

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The EHIC only covers emergency care. So if- and I am sorry to look at worst scenario here- she was to have a serious accident in the UK or a serious illness- I am sure you would want her to come and stay with you for the recovery period- etc- and with EHIC she would not be covered. The other issue would be- if you intend to stay in CH, and she wants to ask for naturalisation at one stage- de-registering and stopping health cover would mean starting count of years from scratch. I would also adivse shopping around for the lowest insurance wiht the highest franchise for the 2 above reasons.
Years spent living in CH are always counted, they don't start from scratch if you leave, just the years away are not counted.
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Old 28.01.2014, 12:23
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Re: Stop Health Insurance whilst studying abroad

Unless things have changed recently, I am pretty sure that even a short time deregistered does mean that you start at zero when you come back to Switzerland.
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Old 28.01.2014, 13:26
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Re: Stop Health Insurance whilst studying abroad

Can anyone give a definite link about this? I am sure I've read several times that deregistration mean starting the count afresh???
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