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  #261  
Old 29.10.2012, 18:25
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Re: Health Insurance FAQs

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Hi Everyone,
I have looked, but can't locate a sample letter to cancel my health insurance.
Does anyone know what I need to include or have a sample letter?
Thanks in advance.
Hi there,

You should include your full name, date of birth, policy number, date you wish it to be cancelled on (if it's for the end of this year, that's the 31.12.2012).

There's one in French here : http://www.bonus.ch/BonusCh/Documents/LettreResil_2.pdf

Or if you go here : http://www.bonus.ch/Assurance-maladi...urance-de-base

and then go to the bottom left of the page, under "Lettre modèle", you can click on Lettre de résiliation éditable "Word" it will download you a standard letter you can use.

Hope this helps

Otherwise, most companies have them on their websites.
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  #262  
Old 29.10.2012, 18:28
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Re: Health Insurance FAQs

Hi Jenny,
Thank you for your reply.
I actually went into EGK today with a pre-typed letter and it was all very straight forward and they accepted my letter on the spot.

Thanks again for your assistance!
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  #263  
Old 30.10.2012, 12:34
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Re: Health Insurance FAQs

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Hi Jenny,
Thank you for your reply.
I actually went into EGK today with a pre-typed letter and it was all very straight forward and they accepted my letter on the spot.

Thanks again for your assistance!
No probs

I think they've got used to getting this type of letter this year to be honest...
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  #264  
Old 04.11.2012, 21:10
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Re: Health Insurance FAQs

Hi,

Thanks for the FAQ, I found it very useful. We just arrived to Switzerland and trying to get an isurance.

Does anybody know where can i find whats included in the basic insurance for example is everything covered for a pregnant woman? Anybody has experiance on this?

Where can I see the detaild list of service offered by the insurance company or more likely the serivce whats included in my selected package?

Can anybobdy tell me more or less how much need to be paid for family doctor visit if i pick the 300CHF deduction rate.

Do medications covered fully or partly?

How much would i need to pay if my family doctor sends me for example for a blood test?

Thank you,

Kind Regards,

Kristof
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  #265  
Old 05.11.2012, 04:24
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Re: Health Insurance FAQs

I used the Comparsis insurance comparison site; one thing I noticed was under hospitals it said "Libre si situé dans le canton habit"; what happens if you are referred to one CH's five University Hospitals for some serious treatment (ie: neurosurgery), and said Uni hospital is in a neighbouring canton, is your health insurance mandated to pay for any treatment above your deductible is such case ?
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  #266  
Old 05.11.2012, 16:10
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Re: Health Insurance FAQs

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Hi,

Thanks for the FAQ, I found it very useful. We just arrived to Switzerland and trying to get an isurance.

Does anybody know where can i find whats included in the basic insurance for example is everything covered for a pregnant woman? Anybody has experiance on this?

Where can I see the detaild list of service offered by the insurance company or more likely the serivce whats included in my selected package?

Can anybobdy tell me more or less how much need to be paid for family doctor visit if i pick the 300CHF deduction rate.

Do medications covered fully or partly?

How much would i need to pay if my family doctor sends me for example for a blood test?

Thank you,

Kind Regards,

Kristof
Send me a pm with your email address.

I have the LAMal/KVG article in English which explains exactly what's covered for maternity on pdf which I can send to you
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  #267  
Old 05.11.2012, 16:38
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Re: Health Insurance FAQs

This is the Swiss government website, in English, which states the coverage you must receive when you have the obligatory Swiss health insurance,

http://www.bag.admin.ch/themen/krank...x.html?lang=en
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  #268  
Old 10.11.2012, 17:41
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Re: Health Insurance FAQs

Hello,

I arrived to Ticino on 21st October, so it has not been even a whole month since I am in Switzerland.

However, yesterday I got a letter from the Commune saying that their records reveal that I am uninsured and that I have eight days to provide them with a copy of my certificate of health insurance.

Do you know if the three months window is a Swiss-wide law or things may variate within cantons? I have not been lazy with this, in fact... but I have reached several health insurance companies and asked them about different models, since I am trying to work out the most interesting solution for me.

I am still receiving answers, so that is the reason I have not sorted out this yet. I find it a little bit pushy that in less than three weeks they are already telling me off for not being insured

If somebody can help me on this, that would be great. In the meantime I will also do my own research and maybe I can come back with an answer myself.

Thanks!
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  #269  
Old 12.11.2012, 13:35
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Re: Health Insurance FAQs

I just called to the Council today and they said that it was not a problem and that, if I needed more time for anything, I only had to call them

What I was unable to find out if the law is different in Ticino, if the three months window still applies but this types of chase letters are normal to avoid people forgetting about this...

Anyway, it is good to know. When I arrived to Switzerland I complained a lot about the amount of paperwork that needs to be done here. And well, the paperwork is huge, from my point of view, but at least the processes are much faster and smoother than in Spain or (oh my God!) in France
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  #270  
Old 12.11.2012, 14:22
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Re: Health Insurance FAQs

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I just called to the Council today and they said that it was not a problem and that, if I needed more time for anything, I only had to call them

What I was unable to find out if the law is different in Ticino, if the three months window still applies but this types of chase letters are normal to avoid people forgetting about this...

Anyway, it is good to know. When I arrived to Switzerland I complained a lot about the amount of paperwork that needs to be done here. And well, the paperwork is huge, from my point of view, but at least the processes are much faster and smoother than in Spain or (oh my God!) in France
The three months applies to everywhere in Switzerland.

Please note that that's three months to show them proof of your insurance - not to start looking around!

I've had quite a few cases recently of people having their premiums backdated to the first of the month they arrived in even though they applied 6 weeks or so later.

I think all the insurers are getting a bit stricter with the start dates to be honest

---

As a general rule, as long as you don't ignore those letters and let them know that you're on it, they're fine with you
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  #271  
Old 12.11.2012, 14:30
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Re: Health Insurance FAQs

Well, it is fine! I actually started my research before moving to Switzerland, but this system being so complex (at least for me... I am used to work with Spanish and British healthcare systems, which are much more straightforward -and with no possibility of choice too!-) it is still taking its time.

I have requested several quotes and further information from different insurance companies. Some of them have not come back to me yet, so that is the reason I have not signed up for anyone (yet).

I am also taking in account the fact that I will probably have to pay all the premiums backwards to the date I entered in Switzerland, so in fact I have everything (more or less) under control. My concern was that even if I choose today a health insurance provided, all the coming and going of documentation by post will take probably more than 8 days. Since the Comune was requesting me to provide all this in 8 days, I was quite worried.

Hopefully I will be signing for KPT HMO this week, which seems to be cost effective and their HMO center is one minute away from home

Thanks for your answer!
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  #272  
Old 14.11.2012, 14:30
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Re: Health Insurance FAQs

I need to ask a specific question to the Swiss insurance folks in Zurich (government dept).
Anyone got a phone number? Can´t locate a contact numver on the web-site.
thx
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  #273  
Old 19.11.2012, 09:10
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Re: Health Insurance FAQs

Does anyone know what this specifically means, i'm only here for 6 months, although i have a work permit for 1 Year. My contract states that i will be returning to UK in about 6months.

"04. Who can be exempted from the obligation to obtain insurance in Switzerland, and what procedure should be followed?.....
....if you are an EU/EFTA member state national or Swiss national and have been sent from an EU/EFTA member state to Switzerland for a period of up to 24 months;

its part of this webiste: http://www.bag.admin.ch/themen/krank...x.html?lang=en
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  #274  
Old 05.02.2013, 11:15
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Re: Health Insurance FAQs - Refund Possible ?

Hallo,
Thanks for this link. I have a question and may be this is silly to ask, but appreciate your reply.

I was in Switzerland for 4.5 years and had been paying to the Health Insurance company. I left the country permanently last year. During my stay in Switzerland, I had visited doctors, but never had made a claim with the Insurance company (as franchiesee I needed to pay till CHF 2500).
My question is - now what I am out of the country and since I have never claimed anything from Health Insruance company, Is it possible that I can get some(Very minimum) refund of the premiums paid ?
Say, I paid around CHF 9k over 4.5 years, Can I request for refund of some amount from the INsurance company ?

Is there any provision like that ? I know it is not possible but if anything positive, good for me and others as well to know.

Appreciate your reply.

Thanks,
lrmanish.
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  #275  
Old 05.02.2013, 13:56
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Re: Health Insurance FAQs - Refund Possible ?

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Hallo,
Thanks for this link. I have a question and may be this is silly to ask, but appreciate your reply.

I was in Switzerland for 4.5 years and had been paying to the Health Insurance company. I left the country permanently last year. During my stay in Switzerland, I had visited doctors, but never had made a claim with the Insurance company (as franchiesee I needed to pay till CHF 2500).
My question is - now what I am out of the country and since I have never claimed anything from Health Insruance company, Is it possible that I can get some(Very minimum) refund of the premiums paid ?
Say, I paid around CHF 9k over 4.5 years, Can I request for refund of some amount from the INsurance company ?

Is there any provision like that ? I know it is not possible but if anything positive, good for me and others as well to know.

Appreciate your reply.

Thanks,
lrmanish.
No, unfortunately there is no reimbursement for non-usage.
You were covered for all that time, that's why.

It's like if you don't have a claim on your car insurance all year - they don't reimburse you your premiums at the end of the year.
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  #276  
Old 16.03.2013, 12:47
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Re: Health Insurance FAQs

Thanks for the information! Very helpful indeed
Best of luck.

Brendon
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  #277  
Old 21.03.2013, 15:17
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Re: Health Insurance FAQs

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Does anyone know what this specifically means, i'm only here for 6 months, although i have a work permit for 1 Year. My contract states that i will be returning to UK in about 6months.

"04. Who can be exempted from the obligation to obtain insurance in Switzerland, and what procedure should be followed?.....
....if you are an EU/EFTA member state national or Swiss national and have been sent from an EU/EFTA member state to Switzerland for a period of up to 24 months;

its part of this webiste: http://www.bag.admin.ch/themen/krank...x.html?lang=en

Hi,

I don't know if you are still looking for an answer for this, but as far as I know, it means, that as soon as you have a valid health insurance in any of the EU countries (and the EU insurance card) you are not obliged to have a secondary one in Switzerland. This is valid on both ways, so if you are insured in Switzerland, you shouldn'T normally pay for an insurance in your home country, which otherwise 8depend on the country) could be mandatory.

Hope it is useful...
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  #278  
Old 25.06.2013, 21:49
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Re: Health Insurance FAQs

Hi guys, i was wondering if anybody can help.

Ive been made a job offer that im currently considering. one of the thing they are mentioning is: "Health Insurance premiums will be at the entire cost of the company (but submitted to tax)"


Im wondering what does that actually means? they told me they reimburse healthcare premium amount, but its subject to the tax.

however, im still confused what it actually means for me. so if my basic monthly insurance is 350 CHF, does it mean they reimburse me 350 chf or how should i see that? anybody knows?

big thanks
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  #279  
Old 25.06.2013, 21:57
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Re: Health Insurance FAQs

I think premium means the extra services above the mandatory health insurance for example i have a premium for my glass and teeth for 15chf per month, but i am not very literate in insurances.
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  #280  
Old 25.06.2013, 22:02
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Re: Health Insurance FAQs

It just means that the cost of the insurance is taxable, so if its 350chf for insurance and you usually pay 10% tax in your payslip, they will deduct 35chf as a tax payment.

They'll put and extra 350 into you basic pay every month, but that will get taxed, so you'll actually get 315chf as take home.

So basically your insurance will cost you 35chf.
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