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  #141  
Old 13.11.2010, 12:51
swissbob
 
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Re: Health Insurance FAQs

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hi

I have been living in Switzerland for an year and i have taken up my health insurance with Intras, a basic franchise. now i have to stay out of Switzerland on my study purpose in UK for one year, but i would be travelling on alternative weekends to see my family. if i have to cancel my health insurance as i will not be residing continuously, how does it work, my insurance company asked me to go to geminde house and to de-register my name, if i do it, will it effect my visa?
will it effect on extension on my visa, i have b-permit till march, but as my family would be here till next sept, i have to extend my permit, with out having a health insurance can i still get my visa extension. please help me letting me know the rules in Switzerland on insurance policy.
This has less to do with your insurance and more to do with your residence permit. A sensible answer is not possible without the following:

What will you be studying in the UK? Is it a recognised qualification?

Are you a dependant of your family or are your family dependants of you?

What type of resident permit do you currently have?
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  #142  
Old 14.11.2010, 00:05
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Re: Health Insurance FAQs

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Hello Everybody

Due to a steep increase in prices for health insurance, I'm considering to change my current insurance provider (where I have had basic health insurance "traditionelle"). I would like to change to another provider and to the model of GP (as it seems to be much cheaper).

Now my question is the following: at this moment I am in a treatment which will last for another 6-7 months and even if I change to GP, I don't want to change my current specialist doctor who helps me with this treatment (I only want this GP to apply for next possible situations). Do you know if it is possible that the new provider won't cover my bills from that doctor, unless I change it (he's not a family doctor, he's a specialist doctor in a hospital)??

Thank you a lot for any advise.
I would not change insurance companies until after my treatment is over just in case.
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  #143  
Old 14.11.2010, 09:06
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Re: Health Insurance FAQs

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Hello Everybody

Due to a steep increase in prices for health insurance, I'm considering to change my current insurance provider (where I have had basic health insurance "traditionelle"). I would like to change to another provider and to the model of GP (as it seems to be much cheaper).

Now my question is the following: at this moment I am in a treatment which will last for another 6-7 months and even if I change to GP, I don't want to change my current specialist doctor who helps me with this treatment (I only want this GP to apply for next possible situations). Do you know if it is possible that the new provider won't cover my bills from that doctor, unless I change it (he's not a family doctor, he's a specialist doctor in a hospital)??

Thank you a lot for any advise.
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I would not change insurance companies until after my treatment is over just in case.
Or go for a policy that includes the right to

1. choose doctors
2. Go straight to a specialist without first going to a GP.
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  #144  
Old 18.11.2010, 18:35
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Re: Health Insurance FAQs

Hello I have a question that is a bit specific, my health insurance is actually paid by my employer. What happens if I change jobs mid-year - do I have the right to somehow select the new insurance? I would think it should, as I do not have any direct contract with the insurance company?
Any help appreciated!
Thanks
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  #145  
Old 16.12.2010, 17:27
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Re: Health Insurance FAQs

Changing Insurance.

Is dissatisfaction of the services not a valid ground for terminating your contract with the insurance at any time?
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  #146  
Old 16.12.2010, 18:05
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Re: Health Insurance FAQs

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Changing Insurance.

Is dissatisfaction of the services not a valid ground for terminating your contract with the insurance at any time?
Not for the basic insurance, no.

There is 1 possibility for the supplementary insurance though...

If you are reimbursed for something in the supplementary (e.g. homeopath), you can write to your insurance company within 10/14 days (depends on the company) that you wish to leave them.
N.B. 10/14 days from when the money is on your bank account.

This is true of any insurances coming under LCA/VVG :
  • supplementary health insurance
  • car insurance
  • liability
  • household contents
  • legal protection
  • etc. etc.
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  #147  
Old 19.12.2010, 03:14
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Re: Health Insurance FAQs

I'm a student in Germany but will spend next year in Switzerland to be with my husband. He live in Switzerland. I plan to apply for family reunion permit. Can i use my student health insurance from Germany for this purpose? I already asked swisscare and they told me that i'm not eligible to apply for student health insurance from them as i will not register in any uni in Switzerland. So i should take a family insurance. Which is much more expensive then student health insurance in CH or in DE.

thx
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  #148  
Old 21.12.2010, 15:31
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Re: Health Insurance FAQs

I'm filling out some papers for Atupri (just the first step) and there I have to choose a doctor (my type of insurance is gonna be the HMO).

I was wondering, though, how I'm suppose to choose a doctor if I don't even know if they can speak english... I mean, I'm sure almost every doctor can speak it, but I need someone who won't miss important information due to language barrier (I'm already gonna have a few issues, since english isn't my mother tongue)...

So, how was it for you guys to find an english speaking doctor? Did you just get all the names from a list and started calling each one to find out who takes english speaking patients? :P
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  #149  
Old 21.12.2010, 15:35
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Re: Health Insurance FAQs

Thats the best way to start, Atupri should provide a list for you.
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  #150  
Old 21.12.2010, 23:52
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Re: Health Insurance FAQs

And it's not fixed in stone; pick one for now for the form, and then you can always change it later if you find you don't 'click' with that doctor, get a better recommendation from a friend, etc.
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  #151  
Old 22.12.2010, 00:10
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Re: Health Insurance FAQs

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And it's not fixed in stone; pick one for now for the form, and then you can always change it later if you find you don't 'click' with that doctor, get a better recommendation from a friend, etc.
Ah, okay So I guess I'll be fine then. I thought I'd have to stay with a certain doctor for a certain amount of time or whatever...
Thanks
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  #152  
Old 22.12.2010, 00:21
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Re: Health Insurance FAQs

Nah, we did it with our kids when we magically had to produce a paediatrician's name with no notice; I nipped next door and asked my neighbour for her daughter's, then swapped it for one more conveniently located about 6 weeks later.
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  #153  
Old 14.02.2011, 21:03
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Health insurance cover prior to registration

Hi,

First time poster and even though I have searched through insurance related threads, I could not find a clear answer to the following question:

What type of health insurance is needed when registering in Switzerland?

My wife and I currently live in the UK and plan to move by the end of the month. I have been looking into the health insurance requirement prior to registration in Switzerland and assumed travel insurance would fit the bill. Having read most of the travel insurance policies here in the UK, one of the requirements is that you are a UK resident. Of course, once I leave here, I will, for all purposes, stop being a UK resident but then prior to registering in Switzerland, I will not have proper coverage.

Is this a case of the chicken or the egg?

Again, I am sure that there is a simple solution to the problem and everyone else here on the board must have gone through this situation prior to me but still, can't really figure it out

Any help appreciated.

Thanks,

Paul
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  #154  
Old 14.02.2011, 21:16
Ittigen
 
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Re: Health Insurance FAQs

You need to contact Jenny and get some insurance, tell her all your details first though, and she can find the best policy for you.
http://www.englishforum.ch/members/610-jenny.html

Can you send her an e-mail?
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  #155  
Old 20.02.2011, 17:22
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Re: Health Insurance FAQs

Is my Bupa Global Health Insurance from UK accepted in Switzerland or am obligated only to Swiss ones?
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  #156  
Old 21.02.2011, 12:33
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Re: Health Insurance FAQs

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Is my Bupa Global Health Insurance from UK accepted in Switzerland or am obligated only to Swiss ones?
There is no clear answer on this one.

It may be accepted but maybe not. They take it on a case-by-case scenario. You need to ask at your population office when you register. I've known some people who've been fine to keep it and others who've had to get a Swiss insurance.
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  #157  
Old 23.02.2011, 18:17
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Re: Health Insurance FAQs

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There is no clear answer on this one.

It may be accepted but maybe not. They take it on a case-by-case scenario. You need to ask at your population office when you register. I've known some people who've been fine to keep it and others who've had to get a Swiss insurance.
Hi Jenny,

Many thanks for the information population office for Zürich would be...

Migrationsamt des Kantons Zürich? or Amt für Wirtschaft und Arbeit (AWA)? Or neither :-)


Stewart
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  #158  
Old 23.02.2011, 18:19
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Re: Health Insurance FAQs

Migrationsamt des Kantons Zürich
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  #159  
Old 14.04.2011, 10:59
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Re: Health Insurance FAQs

I was using Atupri but I've really had a terrible time communicating with them (my German is still very bad). Has anyone had better experience in that department with a different insurer?
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  #160  
Old 20.04.2011, 18:19
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Re: Health Insurance FAQs

Sorry if this has been covered, but I am trying to establish whether this is correct, though it may depend on contracts and company policy I imagine:

My company can never manage a consistent pay check. Quite frankly, I dont trust them now. Not great is it.

Anyway, this month, they have included October to April contributions in my gross pay, this is a first. I guess they forgot before so are piling it in this month. I had always thought they paid it, it was a benefit, that was that. Logically, I dont mind paying tax on that if thats how it is supposed to be. Can anyone concur?

What I do not understand, is as well as it being included in my gross pay, and thus taxed, it is also deducted, gross, from my net salary? Thus, it appears I am paying tax on something I am paying for? This can't be right.

If anyone can clear this up for me I would greatly appreciate it.

Thanks
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