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Old 04.05.2008, 12:49
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Health insurance during initial 3 months

Hi,

I am British, have been living in Denmark for 3 years and am about to move to Zürich.

I have been told to apply for my residence permit and arrange the state health insurance when I arrive in Switzerland. I understand that the health insurance is backdated to the date of entry to the country, but I want to confirm that this also means I can backdate any cover.

* I am no longer covered on a UK EHIC as I've not paid social security contributions there for 3 years.
* I will loose my Danish EHIC on the day that I leave, as I am only an EU resident here and not a citizen.
* Therefore technically I have an insurance gap from the day I leave Denmark to the day I apply for Swiss basic health insurance?
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Old 04.05.2008, 13:07
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Re: Health insurance during initial 3 months

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Hi,

I am British, have been living in Denmark for 3 years and am about to move to Zürich.

I have been told to apply for my residence permit and arrange the state health insurance when I arrive in Switzerland. I understand that the health insurance is backdated to the date of entry to the country, but I want to confirm that this also means I can backdate any cover.

* I am no longer covered on a UK EHIC as I've not paid social security contributions there for 3 years.
* I will loose my Danish EHIC on the day that I leave, as I am only an EU resident here and not a citizen.
* Therefore technically I have an insurance gap from the day I leave Denmark to the day I apply for Swiss basic health insurance?

Correct. Your basic health insurance is backdated. The basic health insurance is standard, so whatever is covered by it can be backdated.
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Old 04.05.2008, 13:09
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Re: Health insurance during initial 3 months

Thanks a lot for your quick answer
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Old 04.05.2008, 13:11
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Re: Health insurance during initial 3 months

You can also consult Jenny on all matters related to insurance.
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Old 04.05.2008, 13:38
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Re: Health insurance during initial 3 months

Hi,

I can recommend Jenny as she has just finished arranging health and home contents insurance for me.

My circumstances are slightly different as I came here directly from the UK mid November 2007. My compulsory insurance did not start until beginning of February.


Regards,

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You can also consult Jenny on all matters related to insurance.
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Old 28.03.2011, 15:26
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Re: Health insurance during initial 3 months

Hi all,

What are the rules around moving from the UK? I understand that the first 3 months of health insurance are covered by the UK and its only manditory from month 4 onwards.

Can anyone confirm?

Thanks

Ben
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  #7  
Old 28.03.2011, 15:32
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Re: Health insurance during initial 3 months

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Hi all,

What are the rules around moving from the UK? I understand that the first 3 months of health insurance are covered by the UK and its only manditory from month 4 onwards.

Can anyone confirm?

Thanks

Ben
That is false. If you only start your policy from the 4th month you will eventually receive a letter asking you to provide evidence that you are insured upto Swiss standards in the preceding time. If you cannot do that you will have to pay the first 3 months.

Saying that I came on the 23rd of September and started my policy on the 14th October and didn't hear back. I tried something similar with my wife and got the backdated bill.
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Old 28.03.2011, 15:37
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Re: Health insurance during initial 3 months

Ah ok, hence the question, we got a back dated bill.. But my relocation agent had suggested we did not need cover for the first 3 months...

Do you know if you can change provider during the year?
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Old 28.03.2011, 15:41
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Re: Health insurance during initial 3 months

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Ah ok, hence the question, we got a back dated bill.. But my relocation agent had suggested we did not need cover for the first 3 months...

Do you know if you can change provider during the year?
Perhaps you should say your full story in your questions

No you can't change provider during the year or change your franchise.

Health Insurance FAQs

Try this thread and welcome to the forum.
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  #10  
Old 28.03.2011, 15:48
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Re: Health insurance during initial 3 months

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Hi all,

What are the rules around moving from the UK? I understand that the first 3 months of health insurance are covered by the UK and its only manditory from month 4 onwards.

Can anyone confirm?

Thanks

Ben
No you are misinformed, that cover is only for a tourist. When you register here you need Swiss insurance.

Contact Jenny http://www.englishforum.ch/members/610-jenny.html

.
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Old 28.03.2011, 15:50
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Re: Health insurance during initial 3 months

Sorry..New to this.

Thanks everyone, appreciate the quick responses.
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  #12  
Old 14.03.2018, 11:18
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Re: Health insurance during initial 3 months

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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Old 14.03.2018, 11:20
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Re: Health insurance during initial 3 months

There will be no discount.

Tom
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Old 14.03.2018, 12:04
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Re: Health insurance during initial 3 months

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Hi,

I am British, have been living in Denmark for 3 years and am about to move to Zürich.

I have been told to apply for my residence permit and arrange the state health insurance when I arrive in Switzerland. I understand that the health insurance is backdated to the date of entry to the country, but I want to confirm that this also means I can backdate any cover.

* I am no longer covered on a UK EHIC as I've not paid social security contributions there for 3 years.
* I will loose my Danish EHIC on the day that I leave, as I am only an EU resident here and not a citizen.
* Therefore technically I have an insurance gap from the day I leave Denmark to the day I apply for Swiss basic health insurance?
Denmark is responsible for you for 3 months after you leave, as a tourist or until you become resident somewhere else sooner. When I left CH I had to prove I had health care in my new country of residence or would have had to pay CH insurance for 3 months after leaving.

The day you register as living in CH, your covered by CH insurance even though you have not taken out a policy.

Edit, sorry just realised I responded to an almost 10 year old post.
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Old 14.03.2018, 12:08
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Re: Health insurance during initial 3 months

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...Edit, sorry just realised I responded to an almost 10 year old post.
Maybe the Denmark bit isn't relevant, but the thread was bumped this morning by a new user so you're fine.
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Old 14.03.2018, 12:22
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Re: Health insurance during initial 3 months

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.

On returning we simply set up a policy that started a few days before we returned. On another occasion I forgot about the insurance (as I also have a BUPA policy) and about 5 weeks after registering at the Commune I received in the post a letter saying I was insured with an invoice to pay. (They were the ones that reimbursed me when I left again). I had received several letters asking for a copy of my Swiss health insurance but I left for a months travel a few days after registering so never saw them.

At no time on the numerous occasions I left and came back did anyone ask me if and where I was insured previously.
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Old 14.03.2018, 12:36
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Re: Health insurance during initial 3 months

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Hi,

I can recommend Jenny as she has just finished arranging health and home contents insurance for me.

My circumstances are slightly different as I came here directly from the UK mid November 2007. My compulsory insurance did not start until beginning of February.


Regards,
You were lucky to get away with it - but highly illegal and tantatmount to fraud- eg defraud sytem of 3 months payment (with current rules, 2.5).
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Old 14.03.2018, 12:48
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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.
.
Your lucky as you have a Swiss EHIC, which covers you for 3 months as a tourist, so in effect the Swiss company is liable for claims for 3 months after leaving Switzerland.
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Old 14.03.2018, 13:11
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Re: Health insurance during initial 3 months

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There will be no discount.

Tom
very confident.
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Old 14.03.2018, 13:16
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Re: Health insurance during initial 3 months

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very confident.
You're new to CH , discounts are not standard & very rarely given except on cars due to exchange rate changes.
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