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  #21  
Old 14.03.2018, 14:03
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Re: Health insurance during initial 3 months

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Maybe it's different for Swiss, but don't see why. However, when we left Switzerland we gave notice and the insurance cover stopped from the day we left. We were actually refunded money as we had paid for the year.
Same when my daughter moved to the US four years ago.

However, it doesn't stop the day you leave (nor does it start on the day you arrive). Rather, it starts on the first day of the month you arrive, and stops on the last day of the month you leave.

Tom
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Old 14.03.2018, 14:06
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Re: Health insurance during initial 3 months

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Same when my daughter moved to the US four years ago.

Tom
EHIC does not cover USA, so that makes sense.
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Old 14.03.2018, 14:09
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Re: Health insurance during initial 3 months

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Same when my daughter moved to the US four years ago.

However, it doesn't stop the day you leave (nor does it start on the day you arrive). Rather, it starts on the first day of the month you arrive, and stops on the last day of the month you leave.

Tom
Not any more it doesn't, they changed that a couple of years ago so you don't have to pay for the full month now.
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Old 14.03.2018, 14:20
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Re: Health insurance during initial 3 months

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Not any more it doesn't, they changed that a couple of years ago so you don't have to pay for the full month now.
When did they change it?

It certainly was the case in 2014.

Tom
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Old 14.03.2018, 14:22
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Re: Health insurance during initial 3 months

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When did they change it?

It certainly was the case in 2014.

Tom
It was towards the end of 2015 when they changed it.
I have posted links to it in the past but I can't be bothered to go back and look for them now.
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Old 14.03.2018, 14:24
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Re: Health insurance during initial 3 months

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It was towards the end of 2015 when they changed it.
I have posted links to it in the past but I can't be bothered to go back and look for them now.
Bummer, she was born on the 31st and left on the 7th, could have saved almost two months!

Tom
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Old 14.03.2018, 14:49
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Re: Health insurance during initial 3 months

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Hello all,

I'm new to CH and under eu-ch law I have to set up the health insurance.I would kindly ask for a contact of broker, who works with better health insurances and who can arrange a discount for the first three months.
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There will be no discount.

Tom
very confident.
Mandatory basic health insurance is governed by federal law, and the monthly premiums are regulated and approved by the goverment.
They are all listed here https://www.priminfo.admin.ch/

There is simply no legal way to give you a discount on that part of the health insurance.
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Old 14.03.2018, 18:27
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Re: Health insurance during initial 3 months

The only way to lower premiums is to have a deductible. If you're willing to take on the first CHF 2,500 of claims annually you can lower the premium by about 30%. If you're healthy and could afford that in case you fall ill it's worth doing. I've done this for 30 odd years and my biggest bill last year was CHF 1,900 but usually I've never spent more than CHF 300 -400 and often nothing, so the saving has paid off.
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  #29  
Old 14.03.2018, 18:40
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Re: Health insurance during initial 3 months

An article in this month's 'Bon à Savoir' consumer magazine reminds all of the obligation and gives 2 warnings- if you do not arrange insurance within the 3 months from arrival- the the K/C will a)nominate one automatically and add from 30 to 50% EXTRA for the whole delay period and up to 5 years!

And of course- if you become ill during first 3 months - you are covered- but should anything happen after the 3 months- then you have NO cover whatsoever and would have to pay 100% out of own pocket.
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Old 14.03.2018, 19:02
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Re: Health insurance during initial 3 months

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And of course- if you become ill during first 3 months - you are covered- but should anything happen after the 3 months- then you have NO cover whatsoever and would have to pay 100% out of own pocket.
Not correct, your covered from arrival date even if you never pay a single premium & stay for 25 years
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  #31  
Old 14.03.2018, 19:42
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Re: Health insurance during initial 3 months

well, not my words, but the legal dept at Bon à Savoir. You can argue with them if you wish.

If you come as a resident, you have 3 months to arrange from day 1 (and BM is right, no longer from day 1 of first month nowadays) - after that, NO cover if you have not arranged insurance on time.

Could you please give links that prove your statement - and contradict Bon à Savoir Legal Dept?
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  #32  
Old 14.03.2018, 19:50
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Re: Health insurance during initial 3 months

I don't really understand why you don't check with your health insurance first?
Do you have unanswered
questions?
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  #33  
Old 14.03.2018, 19:53
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Re: Health insurance during initial 3 months

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...Could you please give links that prove your statement - and contradict Bon à Savoir Legal Dept?
Could you please provide a link to your article? I've just started learning French and it would be a good exercise for me.
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Old 14.03.2018, 19:54
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Re: Health insurance during initial 3 months

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Not correct, your covered from arrival date even if you never pay a single premium & stay for 25 years
Hope it is not a too big bummer and it does not hinder your speedy recovery, but Odile is right. Art 5 LAMal. https://www.admin.ch/opc/fr/classifi.../index.html#a5

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Art. 5 Début et fin de la couverture d'assurance

1 Lorsque l'affiliation a lieu dans les délais prévus à l'art. 3, al. 1, l'assurance déploie ses effets dès la naissance ou la prise de domicile en Suisse. Le Conseil fédéral fixe le début de la couverture d'assurance pour les personnes désignées à l'art. 3, al. 3.

2 En cas d'affiliation tardive, l'assurance déploie ses effets dès l'affiliation. L'assuré doit verser un supplément de prime si le retard n'est pas excusable. Le Conseil fédéral fixe, à cette fin, des taux indicatifs en tenant compte du niveau des primes au lieu de résidence de l'assuré et de la durée du retard. Si le paiement du supplément de prime met l'assuré dans la gêne, l'assureur réduit ce montant en tenant compte équitablement de la situation de l'assuré et des circonstances du retard.

3 La couverture d'assurance prend fin lorsque l'assuré cesse d'être soumis à l'obligation de s'assurer.
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  #35  
Old 14.03.2018, 20:03
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Re: Health insurance during initial 3 months

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Could you please provide a link to your article? I've just started learning French and it would be a good exercise for me.
Ooops not sure how to do that. The magazine arrived today, page 39 written by Barbara Venditti, entitled 'affiliée d'autorité et au prix fort'.

www.bonasavoir.ch

but articles are only available to subscribers. If you wish, I could copy it and send it.
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  #36  
Old 14.03.2018, 20:11
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Re: Health insurance during initial 3 months

A SwissintheUS - so it does confirm, no valid excuse = increased premiums to cover delay.

And also that, if late, cover will only be valid from the time of joining- eg, no insurance in the gap.

From the article:

en revanche, en cas d'affiliation après le délai légal de trois mois, ses soins ne sont couverts qu'à partir de l'inscription (not during the gap between onset and confirmation of cover- same for accident of course (unless covered by employer). If in a coma, or having had a stroke, etc - it could take a while to arrange cover, and the cost in between could be MASSIVE.

3Wishes- bravo for learning French- if I can ever be of assistance - I'm here.

Last edited by Odile; 14.03.2018 at 20:27.
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Old 14.03.2018, 21:14
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Re: Health insurance during initial 3 months

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Hope it is not a too big bummer and it does not hinder your speedy recovery, but Odile is right. Art 5 LAMal. https://www.admin.ch/opc/fr/classifi.../index.html#a5
I always thought you would be signed up by your town hall for a policy of their choosing at the 3 months stage. I was here for several years before taking out CH health insurance & then managed to delay a further year after it became mandatory.
Once signed up they can't get rid of you even if you never pay the premium.
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  #38  
Old 15.03.2018, 09:57
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Re: Health insurance during initial 3 months

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Not correct, your covered from arrival date even if you never pay a single premium & stay for 25 years
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well, not my words, but the legal dept at Bon à Savoir. You can argue with them if you wish.

If you come as a resident, you have 3 months to arrange from day 1 (and BM is right, no longer from day 1 of first month nowadays) - after that, NO cover if you have not arranged insurance on time.

Could you please give links that prove your statement - and contradict Bon à Savoir Legal Dept?
Interestingly enough you both are right. Or neither, whichever way you look at it.

Since 2012 and by default the insurance can no longer refuse payments and thus cause lack of treatment, because the Kanton of residence is required to shoulder 85% of outstanding payments the insurer has a "Schuldschein" for, i.e. that the insurer has raised a "Betreibung" (poursuite?) for but didn't get paid.

However, according to §64a.7 KVG, a Kanton can keep a blacklist of those persons for whom the insurance can indeed refuse payment, which in turn will cause the health care provider (doctor, hospital, Apotheke, etc) to refuse the person. In effect they then get emergency treatment and medication only - chronically ill for instance are left out in the rain.

The information on which Kantons have such a blacklist is a bit unclear as the youngest easily available data is from 2013, reportedly Solothurn, Luzern, Zug, Tessin, Thurgau, Aargau, St. Gallen, Graubünden, and Schaffhausen have such a blacklist. However, Schaffhausen dropped the blacklist meanwhile because it turned out to be ineffective, help and guidance on personal budgeting for instance turned out to be much more useful. Solothurn may have dropped the blacklist as well, not sure.
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