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Very helpful - answered my questions 146 56.37%
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  #301  
Old 05.08.2014, 20:54
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Re: Health Insurance FAQs

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Hi all and sorry if I missed this. I have been on comapris for health insurance which is great but none of the insurers offer their correspondence in English - can anyone advise if they know one that does offer their documentation in English? Contacted Atupri but they sent me my offer but in German and said its German,French or Italian.
I don't think any do. It's not a Swiss language after all. The only English documentation we get is from our Swiss banks, nothing else.

You could try CSS, who we're insured with. Their website does have English so maybe they now offer that language as well. www.css.ch You might get the offer in English, but whether the policy will be I don't know.
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  #302  
Old 05.08.2014, 21:10
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Re: Health Insurance FAQs

I believe SWICA sends documentation in English but they're not the cheapest.
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  #303  
Old 06.08.2014, 12:57
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Re: Health Insurance FAQs

Ok thanks guys.

I have asked one of Swiss colleagues to assist me in the documentation so hopefully this will help.
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  #304  
Old 06.08.2014, 13:36
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Re: Health Insurance FAQs

Groupe Mutuel also does pretty much everything in english:

http://www.groupemutuel.ch/content/g...FUjHtAod13cAYA
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  #305  
Old 01.09.2014, 17:07
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Re: Health Insurance FAQs

Hi everyone, has anyone an idea if the swiss care student pass is available for PhD students, residing in the canton of Schwyz?
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  #306  
Old 01.09.2014, 17:18
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Re: Health Insurance FAQs

No longer available to PhD students at all.

Swisscare no longer valid for PhD & Postdoc, share with us what you know!
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  #307  
Old 01.09.2014, 17:24
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Re: Health Insurance FAQs

That's not quite true based on the link you give, it says there are some cantonal exemptions.
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  #308  
Old 27.10.2014, 20:54
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Re: Health Insurance FAQs

Hi All,

I've spent some time reading the FAQs so helpfully put together on here. Very useful.

I am in Switzerland since September but my wife and kids won't arrive until later next month.

So my question is, should I just get insurance for myself now and then wait until they are here for almost three months before sorting them out with their policies?

Or should I just take a policy out now for all of us?

Thanks for your help.
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  #309  
Old 27.10.2014, 21:01
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Re: Health Insurance FAQs

Just take insurance for yourself and get insurance proposal for your family. You can not get insurance for your family without their permit copy.

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Hi All,

I've spent some time reading the FAQs so helpfully put together on here. Very useful.

I am in Switzerland since September but my wife and kids won't arrive until later next month.

So my question is, should I just get insurance for myself now and then wait until they are here for almost three months before sorting them out with their policies?

Or should I just take a policy out now for all of us?

Thanks for your help.
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  #310  
Old 28.10.2014, 08:01
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Re: Health Insurance FAQs

Agree with the previous comment. Also, you might as well get yours now also, because Swiss law states you have 3 months to obtain Health Insurance but even if you buy it in the 3rd month they back date it until th first day you arrive.. I am speaking from personal experience after relocating in July.


Use Comparis.ch to do you checks for prices.


Regards,


Tony
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  #311  
Old 21.11.2014, 14:50
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Re: Health Insurance FAQs

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Agree with the previous comment. Also, you might as well get yours now also, because Swiss law states you have 3 months to obtain Health Insurance but even if you buy it in the 3rd month they back date it until th first day you arrive.. I am speaking from personal experience after relocating in July.

Use Comparis.ch to do you checks for prices.

Regards,

Tony
If i arrive on 29th Sep and B permit on 2nd Oct, they will back-date to 1st Sep? Have you tried to ask for discount for those months that you technically didn't use it?
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  #312  
Old 21.11.2014, 17:05
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Re: Health Insurance FAQs

Yes, asked for a refund but fell on deaf ears. What I did say was that ok if I have to pay it then I will pay it over the next 6 months in set installments without paying interest. I had the money but I thought it might as well stay in my account for as long as possible. My bill was 2000CHF for 5 months.


They said this is absolutely fine and was 6 months long enough or would I like longer, agreed on the 6 months. If you are reasonable, they seem to be reasonable.
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  #313  
Old 21.11.2014, 17:11
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Re: Health Insurance FAQs

Sounds like something to negotiate before signing on the dotted line. There are some posts in EF that mentioned that they threw in some discounts. Let me try it out and see if that works.
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  #314  
Old 21.11.2014, 18:10
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Thank you, this thread is invaluable as I am looking at my health insurance options right now. I am struggling a bit over the grey line of accident insurnce. Do employers have to provide this i.e. is it mandatory?

sorry I meant "grey area".

Last edited by 3Wishes; 24.11.2014 at 17:32. Reason: merging successive posts.
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  #315  
Old 21.11.2014, 18:38
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Re: Health Insurance FAQs

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Thank you, this thread is invaluable as I am looking at my health insurance options right now. I am struggling a bit over the grey line of accident insurnce. Do employers have to provide this i.e. is it mandatory?
If you work full-time then yes employer pays the accident insurance
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  #316  
Old 24.11.2014, 16:58
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Re: Health Insurance FAQs

Thank you, I will speak to my HR
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  #317  
Old 28.01.2015, 14:20
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Re: Health Insurance FAQs

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This is almost right….

For BASIC insurance :

- If you have a « franchise ordinaire » (ordinary deductible – i.e. 300.- for adults, 0.- for children) then you can change companies twice a year but only by giving a 3 month notice period. i.e. your insurance company must receive a registered letter by the 30th of March for the 1st of July or the 30th of September for the 1st of January.
I read here at Comparis that you must also have the standard insurance model (i.e. not HMO, Telmed, Family Doctor) to take advantage of the 6 months cancellation. Can you confirm that is correct?

Many thanks!
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  #318  
Old 28.01.2015, 14:45
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Re: Health Insurance FAQs

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I read here at Comparis that you must also have the standard insurance model (i.e. not HMO, Telmed, Family Doctor) to take advantage of the 6 months cancellation. Can you confirm that is correct?

Many thanks!
Yes, that is correct.

300CHF deductible (0CHF for children) and with no alternative methods.
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  #319  
Old 06.05.2015, 22:18
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Re: Health Insurance FAQs

The situation mentioned above being signed into complimentary insurance (which, btw, doesn't mean free of charge) for 5 years with Group Mutual has darkened our door. It was fine when the company paid, now its a drain. With a new insurer we could reduce the cost by 50%. Is there any way out of this relatively long term contract which run until 2017.
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  #320  
Old 07.05.2015, 15:22
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Re: Health Insurance FAQs

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The situation mentioned above being signed into complimentary insurance (which, btw, doesn't mean free of charge) for 5 years with Group Mutual has darkened our door. It was fine when the company paid, now its a drain. With a new insurer we could reduce the cost by 50%. Is there any way out of this relatively long term contract which run until 2017.
No, unfortunately, the only way you can cancel a pluriannual contract early is if there is a change in premiums for that particular part of the insurance (i.e. not the basic which, as we know, changes every year).

Each year in October the health insurance companies send you the new policy document for the following year. You then have until the end of November to decide if you wish to stay with them or not for the basic insurance.

For the supplementary (complimentary), if there is a change in premiums (up or down), you can cancel it for the end of the year by giving them notice by the end of November.

This is true of all contracts which are governed by the LCA/VVG. So supplementary health insurance, car insurance, liability, contents, etc. etc.
If you have signed for several years (usually the case for these types of insurance) and you receive a new premium notification for a different premium, then you can cancel.

Finding a cheaper alternative midway through your contract isn't classed as a motif for cancellation.

50% cheaper sounds a huge amount. Are you sure that it's for the exact same cover?
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