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  #21  
Old 22.12.2014, 20:43
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

That person is aleady living in Switzerland if I have well understood. Then he/she must give an adress to the Basel state foreigners service.
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  #22  
Old 22.12.2014, 21:15
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

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If you are working as salaried employee you are insured for accident insurance directly to your employer.
Yes, it is true that the employer must insure all his/her employees for accidents which occur at work or on your way directly to work or directly home from work (these are called “Berufsunfälle”, abbreviated BU), but not for accidents that happen during any other hours of the day or night (called “Nichtberufsunfälle” NBU). Only if you work for more than 8 hours per week, must your employer also get you insurance for NBU.

Your employer does not provide insurance for illness.

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If your salary is small (under CHF 2000 per month or something like that) you dont need to contract an swiss health insurance. There is a rule saying than if the salary is less than a special amount people dont need to pay for health insurance.
I’m not sure that this is correct. As far as I understand it, everyone must have medical insurance, no matter how high or low the salary. Helvetia1967… could you please provide a source? I think there is a rule, along the lines that you describe, not about medical insurance but about pension plans.

Here, in any event, is the relevant page of the official Swiss government information-about-everything website, with links for making further enquiries about possible exemptions on the basis of already having foreign insurance:
https://www.ch.ch/en/health-insurance-foreigners/
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  #23  
Old 22.12.2014, 21:21
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

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That person is aleady living in Switzerland if I have well understood. Then he/she must give an adress to the Basel state foreigners service.
No, the OP is still in Australia!

…..

OP, I've just realised that you probably have Swiss nationality (therefore won't need a permit). If that's the case, I don't think in a million years they'll let you get away with Australian insurance.
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  #24  
Old 22.12.2014, 21:35
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

Thank you for the mentioning the Swiss nationality Island Monkey. OP the links that I sent to you regarding the insurance are only for B and L permit holders, this means that you might be eligible for them only if you use your Australian passport and ask for the permit. However, if you use your Swiss nationality, then you won't be able to get the normal Swiss insurance.

The Swiss nationality also means that you won't be taxed at source and you would need to report the tax the normal way.
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  #25  
Old 22.12.2014, 21:52
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

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Yes, it is true that the employer must insure all his/her employees for accidents which occur at work or on your way directly to work or directly home from work (these are called “Berufsunfälle”, abbreviated BU), but not for accidents that happen during any other hours of the day or night (called “Nichtberufsunfälle” NBU). Only if you work for more than 8 hours per week, must your employer also get you insurance for NBU.

Your employer does not provide insurance for illness.



I’m not sure that this is correct. As far as I understand it, everyone must have medical insurance, no matter how high or low the salary. Helvetia1967… could you please provide a source? I think there is a rule, along the lines that you describe, not about medical insurance but about pension plans.

Here, in any event, is the relevant page of the official Swiss government information-about-everything website, with links for making further enquiries about possible exemptions on the basis of already having foreign insurance:
https://www.ch.ch/en/health-insurance-foreigners/
Right. I was confusing. I was thinking about the "participation" by the canton to the payment of the premiums. "Subsides" in french. If the affiliate has low incomes the state can pay a part or totally the amount of his premiums.
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  #26  
Old 04.01.2015, 04:49
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

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I have been looking at insurance prices in Switzerland and it makes me want to cry.
this?
....
I can't really afford such a big amount of my salary to go towards the insurance.. I have decided I'll become a vegetarian, at least I'll save money that way..
In fact, you probably can't afford NOT to have that insurance. If you end up being ill or with the consequences of an accident, and have to pay yourself... you could quickly be looking at very high costs.

To find ways to cope on your income, you might like to look at the many tips thread about lowering your expenditure, here:
How to live comfortably in CH on less than 120k - EF savings advice thread
Please note that the title "less than 120k" was orignially chosen as a joke, as a playful way of Getting Real with the plain fact that many, many folk in Switzerland earn way less than 120k.
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  #27  
Old 07.02.2016, 14:27
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Re: Can I work in Switzerland and be covered by an Australian travel insurance?

Hey guys, I just found this old thread and thought I'd update it in case someone else is in the same situation:

Yes I have dual nationality so I didn't need to apply for visa or permit before arriving.

What I did is buy a comprehensive travel insurance that covers you if you work overseas, and once I had my confirmed address in Basel I wrote and asked for an exemption due to my low income. They rejected it, so I sent another letter with a copy of my Aussie passport to prove that I'd go home at the end of my internship and stating that I wanted the exemption because I was only in the country for that amount of time. I had a local help with the letter to make it sound better and they accepted it the second time round.

So, it's not easy but it's possible. And I gambled with paying for the travel insurance but it worked out.
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