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I know this has been asked before, and I have read many posts about it, but I still can't seem to find an answer to my question.
We arrived in August, and took out special international insurance for the move. Now our there months are up and we are signing on with Assura. How can I make sure I won't have to pay for the past 3 months? I don't want to pay double for this time (it's a truckload of money!).
Everywhere I read says that the insurance is automatically backdated to the month of arrival. But surely there must be some way to explain to them that I had insurance during this time (heck, I even used it!).
And who do I need to explain it to? The insurance company of the Stadt Zurich?
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The insurance is only backdated as far as the 1st of the month during which you arrived. The month (date) when you officially entered Switzerland is the entry date given in/on your permit.
You don't need to pay for anytime before that.
Your actual physical date of arrival (i.e. if you lived here before you registered your arrival in Switzerland) is totally irrelevant.
If you wish to start paying only later than the official date, you will have to ask Assura if they can do this, i.e. waive the amount.
In exceptional circumstances, when the amount that has to be paid for months which have already gone by, the amount for the 'past' can be waived.
The reason you need to give is that the amount needed to be paid is too onerous for you (and/or your family) to pay.
Be aware that Assura may never even have had such a case where they have waived that amount.