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Old 14.07.2016, 11:36
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Switzerland and insurance

My friends I have a problem:

Meaning, when I first arrived here my cousin that has been in Switzerland for several years and speaks fluent German made the insurance for me, and also registered my insurance with his e-mail, his adress, and he pay my insurance bills.

Now he is no longer in the same town as me, and I very rarely speak with him, when we said goodbye it was settled that I would start to pay my insurance myself, and that he would change my insurance adress to my own adress.

Since I had a stop of work for 2 to 3 months, he also cancelled the insurance, because I was not working in Switzerland.

Now I got back, and have been working for 1 month now, it will be 2 months by the end of this month.

First month I started working I went to assura.ch to check out my insurance status... And the problem starts here, they do not have English language in their website, only language I don't understand (German, Italian or French), I left the website and wait until to contact them with the help of another friend that speaks their unique languages (no English for whatever reason)...

I found out I am in debt with thousand and several hundreds because of missing payment of several months... I gave money to my cousin to pay in this months they tell me I did not pay, but my cousin while we were in the same town showed me the recipes of payment with the money I was giving to him, since I trust him I did not ask him copies of the recipes, I did not feel the need to have copies of recipes of payment when I was watching the recipes personally, right?

But the insurance told me today I did not pay these months???????????

Then come the penalty they give to me because of missing payment... Penalty that are ridiculous, when I always wanted to pay in the first place...

I feel like I am working to pay for something I don't want. If I ever get sick I will go to my country and make my treatment there, because it's much less money to pay for a trip to my country and make my treatment there... But they demand I have an insurance that I don't want to.

I was getting informed and all they can do if I don't pay is cease any belongings I might have in my name, well my friends, I'm a poor guy, I don't have any belongings in my name and my bank account has no money in it, when I get paid, I send my money to my country and it's not even to myself it goes to my mother account to help her, so, they can't take me anything to pay for my debt...

Given this fact I am really thinking about not pay this debt, and if they bother me with ceasing my permit, so be it, I find another country better than my own to emmigrate again, and I say goodbye to Switzerland and his over-expensive and demanding bullshit system.

What do you guys think about this.

I'm getting tired of feeling I am working to pay debts that in the first place I always was ready to pay in time, and that I even did not want to have, and that I don't have a real need to pay for, that should my decision.
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Old 14.07.2016, 11:43
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Re: Switzerland and insurance

Talk to the insurance, explain the situation and ask for a payment plan.


In some countries a debtor could well claim the debt with your employer and have this deducted from your salary before it gets paid out to you. So be aware of that.

Also check if there is a "Schuldenberatung" near you and get their advice as yes, depending on your nationality, it may have an impact on your permit when you come to renew it.


And health insurance is mandatory here, as it is in many countries of this world. I would not call that demanding ..............
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Old 14.07.2016, 11:51
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Re: Switzerland and insurance

I meant to say mandatory not demanding (lack of vocabulary, English it's not my first tongue).

That is the only option they have to take my money, but if this is the only option I don't mind not paying never because I will save money anyways if I don't pay for one year and they come and take me one month salary I saved money anyways... After they have taken this month salary I just get back to my country or emmigrate to another country better than mine with the rest of the money I saved during the rest of the year...
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Old 14.07.2016, 11:54
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Re: Switzerland and insurance

Was your cousin paying his own insurance with the money you were giving him? This doesn't really make sense. I think you should contact him first and ask for copies of the receipts that you can then send to the insurer. Otherwise, in my opinion your issue should be with your cousin not paying rather than with the insurer who has a right to demand payment if you had insurance registered to you that was actually not paid for.
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Old 14.07.2016, 11:58
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Re: Switzerland and insurance

I am waiting to speak with him for sure to ask him the receipts. I know that will answer a lot to! Soon as I have possibility I will ask him the receipts.
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Old 14.07.2016, 12:01
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Re: Switzerland and insurance

Swiss Authorities Online (ch.ch) has information on personal debt issues in English at this link:

https://www.ch.ch/en/debt-enforcement-bankruptcy/

Wage garnishment (Pfändung) does exist in Switzerland as a means for creditors to obtain payment from debtors who are unwilling to pay.
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Old 14.07.2016, 12:35
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Re: Switzerland and insurance

Ok I speak now with my cousin and he told me that it is impossible that some months the insurance told me I didn't pay were not paid, he will send me the receipts...

The only possible thing might have been that sometimes when you pay the insurance the money get's retained by the police or some other government institution that I did not understand right, because of missing payment penalty, this penaltys then get paid directly to this institution and not to the insurance and then the month that was supposed to get paid for ends up not getting paid. And the vicious circle begins.

Yes sure they can take the money of my salary, but it's like I say, if I am allowed to not pay for several months or years I will end up saving money when they take the first salary from me, because after that I just leave this goddman country. And all the previous salary I earned they cannot have access to them because they are not in my country bank account.
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Old 14.07.2016, 12:41
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Re: Switzerland and insurance

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First month I started working I went to assura.ch to check out my insurance status... And the problem starts here, they do not have English language in their website, only language I don't understand (German, Italian or French), I left the website and wait until to contact them with the help of another friend that speaks their unique languages (no English for whatever reason)...
No English because this isn't an English speaking country.

Tom
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Old 14.07.2016, 12:41
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Re: Switzerland and insurance

He also told me I should not give up on stay in Switzerland because of thousand and some hundreds debt and rather I should get some payment plan to pay for this because it's not that much, he told me of a guy that we know that has tens of thousands in debt with the insurance...

So I begin to think, if someone can reach tens of thousands of debt with the insurance I can also do this and not pay for the insurance never, and when the time comes that they give me notice and make it mandatory for me to pay I just get out of this country, because I don't agree with paying something I don't want, when I don't need this shit, I take care of my health in my country because of the ridiculous amounts of money they charge in this country for whatever you want to do or whatever you need.

I will see how this turns out, I'm not sure yet what I will do, but this is just truly unfair.
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Old 14.07.2016, 12:43
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Re: Switzerland and insurance

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if I am allowed to not pay for several months or years
You are not allowed to not pay. If you don't pay, you will get more debt.

Tom
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Old 14.07.2016, 12:48
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No English because this isn't an English speaking country.

Tom
You ever tried to think about the amount of different countries people come from to work, WEREVER, not only in Switzerland? Give it a try, search about the meaning of emmigration and you will find out that emmigration exists.

Not even that, search also about the meaning of tourism.

Are you trying to say something else I did not get when you are saying that in Switzerland they don't speak English? Because I think you are.

If some country wants to exploit everybody that works there they should at least have a f******** way to communicate with the person they want to exploit don't you think? Or just keep him in ignorance while he gets in debt until he has reached a good amount to make you rich and then you get to him, show the receipt and finally in English or WHATEVER LANGUAGE HE SPEAKS tell him in: NOW PAY.

That's pretty smart now I think about it.

Search the meaning of communication also while you're at it. ffs

Jesus christ why are you winking? Did you , or did you not get that I referring to the guy that reached tens of thousands of debt with his insurance,HE WAS ALLOWED TO NOT PAY UNTIL HE REACHED TENS OF THOUSANDS... So if I can do this (hence, allowed) maybe that's not such a bad idea if when they come to collect that, I just get the f out and they just take 1 month salary.

Last edited by 3Wishes; 14.07.2016 at 18:35. Reason: merging consecutive replies
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Old 14.07.2016, 12:54
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Re: Switzerland and insurance

Legal communication is done in Swiss languages.

English is not a Swiss language.

Tom
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Old 14.07.2016, 12:58
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You ever tried to think about the amount of different countries people come from to work, WEREVER, not only in Switzerland? Give it a try, search about the meaning of emmigration and you will find out that emmigration exists.

Not even that, search also about the meaning of tourism.

Are you trying to say something else I did not get when you are saying that in Switzerland they don't speak English? Because I think you are.

If some country wants to exploit everybody that works there they should at least have a f******** way to communicate with the person they want to exploit don't you think? Or just keep him in ignorance while he gets in debt until he has reached a good amount to make you rich and then you get to him, show the receipt and finally in English or WHATEVER LANGUAGE HE SPEAKS tell him in: NOW PAY.

That's pretty smart now I think about it.


You are in Switzerland, a country where they speak several languages and English is not one of the languages of the country. Why the heck should Switzerland accomodate for your inability to speak one of the languages? And by the way, you could have googled a lot of the Information. It is not that there is nothing out there in English.........

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Jesus christ why are you winking? Did you , or did you not get that I referring to the guy that reached tens of thousands of debt with his insurance,HE WAS ALLOWED TO NOT PAY UNTIL HE REACHED TENS OF THOUSANDS... So if I can do this (hence, allowed) maybe that's not such a bad idea if when they come to collect that, I just get the f out and they just take 1 month salary.


Well, it could show up when you try to leave the country.......... So don´t fly out.


And that behaviour would very helpfully add to the bad reputation of some foreigners who can´t be bothered to pay their debt? Nice.............


As written in my first post, call the insurance, get a payment plan and search for a Schuldenberatung.

Last edited by 3Wishes; 14.07.2016 at 18:36. Reason: merging consecutive replies
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Old 14.07.2016, 13:06
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Re: Switzerland and insurance

Hey I have no problem I am sorting this stupid shit out anyways, wether it's difficult or easy life goes on, the nazis keep on being nazis / the smart-ass keep on being smart-ass, let's see what they say if they speak in some language I can understand I might even get to pay this stupid shit they are making me pay even tho I don't need it, if not well guess what, I can't pay, I can't even understand what you are saying... :r olleyes::rolle yes:
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Old 14.07.2016, 13:10
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Re: Switzerland and insurance

So why did you ever come here and ask that question when you are no interested in hearing what solutions there may be?


PS: don´t underestimate the power of the Internet


LocationSaas-FeeOccupationHelp cookNationalityPortugal



How many would there be in that city with issues with their health insurance?

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Old 14.07.2016, 13:10
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I do pay my debts, I'm against people that owe anything to anybody. I just don't agree like you wouldn't with unfair shit. If I make up a debt saying you walk in the wrong side of the street because there is a law and you should read all the laws and I make you pay me thousands, you will want to pay?

Some things are unfair... If I miss one payment, but I always wanted to pay, and then you give me a penalty of a million dollars on top of that payment, you think I should pay it because you say so?

I wanted to know about solutions. I am not the one trolling...

Last edited by 3Wishes; 14.07.2016 at 18:36. Reason: merging consecutive replies
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Old 14.07.2016, 13:15
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Re: Switzerland and insurance

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I wanted to know about solutions. I am not the one trolling...
You were given the solution in the first post. I humbly suggest you stop posting before you embarrass yourself further.
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Old 14.07.2016, 13:26
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Re: Switzerland and insurance

Local authorities communicate in English as well. Just try to be polite, stay calm and express your problem in clear terms. Swiss people are not that brutal as expressed by someone above. Same applies to EF, express your concerns kindly and with respect, there are really nice and friendly people in this forum, those who can give you some helpful insight.
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Old 14.07.2016, 13:49
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Re: Switzerland and insurance

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Ok I speak now with my cousin and he told me that it is impossible that some months the insurance told me I didn't pay were not paid, he will send me the receipts...

The only possible thing might have been that sometimes when you pay the insurance the money get's retained by the police or some other government institution that I did not understand right, because of missing payment penalty, this penaltys then get paid directly to this institution and not to the insurance and then the month that was supposed to get paid for ends up not getting paid. And the vicious circle begins.

Yes sure they can take the money of my salary, but it's like I say, if I am allowed to not pay for several months or years I will end up saving money when they take the first salary from me, because after that I just leave this goddman country. And all the previous salary I earned they cannot have access to them because they are not in my country bank account.
You first need to get the receipts from your cousin (which you're doing) PLUS the insurance policy, the payment orders (orange forms with all the details for payment, there should be one per month), and the acknowledgement of cancellation for the months you say you were out of the country and not working.
Check the dates on the receipts against the orange payment forms, do all the numbers in the long transaction number match? It's just possible that the money's gone to a different insurance account if they don't. Although the money should eventually have made it's way back to the back if it was mis-filed.

Is it possible that the un-paid months are the ones for which your cousin says he cancelled the insurance? Did he inform the insurance company properly of the change in your country of residency properly; this must be done by registered letter, a phone call or email is not generally accepted as proof of informing.
And did the insurance company acknowledge the cancellation?

IF your cousin doesn't produce the correct proofs of payment and proof of cancellation for those months then I'm afraid you do owe the insurance and they will find a way to make you pay.
Whatever private arrangement you had for handing over money to a third party who had agreed to make the payments for you is not their concern... your name is on the policy, the arrangement is between you personally and the insurance company.
YOU haven't paid THEM and that is what matters.

Payments will not have been 'retained by the police or other government instition' to cover other debts, doing this involves a court order, there's a long process to go through before getting one and you would have received a lot of legal paperwork about this beforehand.

The example you give of someone owing tens of thousands and not being allowed to repay what he owed before reaching that amount doesn't really work... if he did owe money but was attempting to pay then all he would have done is put the money into a savings account until he got the final bill.
Not the same as your situation as you claim to have already paid (via your cousin).

A lot of (most) banks, government agencies and insurance companies here DO offer information and policies in english, not all of them though, and you really just needed to ask around to find one.
They're not obliged to do this however, it's considered a courtesy.
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Old 14.07.2016, 14:43
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Re: Switzerland and insurance

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... but if this is the only option I don't mind not paying never because I will save money anyways if I don't pay for one year and they come and take me one month salary I saved money anyways... After they have taken this month salary I just get back to my country or emmigrate to another country better than mine with the rest of the money I saved during the rest of the year...
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I do pay my debts, I'm against people that owe anything to anybody. I just don't agree like you wouldn't with unfair shit.
Spot the difference
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