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-   -   Requirements for Health Insurance (https://www.englishforum.ch/insurance/266020-requirements-health-insurance.html)

jorgehernandez1987 05.02.2017 15:08

Requirements for Health Insurance
 
Hello all ,

I am moving on Switerzland in April to work in FL . For a while I am living in Sevelen - I have found an apartment which cost is 1200 CHF per month ( included furniture and running cost). I am EU citizen and I should need some advices regardind health Insurance.

Which is the term for contracting the Health Insurance? I mean - from the 3th month or from the first day in Switerzland?

I appreciate the help of all members

With Kind Regards

Jorge

roegner 05.02.2017 15:10

Re: Requirements for Health Insurance
 
From day 1 but you have 3 months in which to choose The contract will be backdated to the date of your arrival

st2lemans 05.02.2017 15:11

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by roegner (Post 2736031)
From day 1

Actually, from the first of the month that you arrive/

Tom

roegner 05.02.2017 15:15

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by st2lemans (Post 2736032)
Actually, from the first of the month that you arrive/

Tom

Right, yes, that it is, my mistake

Belgianmum 05.02.2017 15:19

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by st2lemans (Post 2736032)
Actually, from the first of the month that you arrive/

Tom

Not any more. They calculate on a pro rata basis from the day you arrive these days, same for births and departures. It changed in December 2015.

Medea Fleecestealer 05.02.2017 18:33

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by st2lemans (Post 2736032)
Actually, from the first of the month that you arrive/

Tom

No, it's from the first day you register as being resident. Before that you're nothing but a tourist. Only residents are required to have Swiss health insurance.

Guest 05.02.2017 18:38

Re: Requirements for Health Insurance
 
Sorry MedeaF, that does not apply if you come to be a resident here- and you have to register within 8 days (take a day or two, depending on Commune).

Thanks BM, was not aware of the new pro-rata thing- do you have a link by any chance. We arrived late in the month but had to pay for the whole month.

Belgianmum 05.02.2017 18:51

Re: Requirements for Health Insurance
 
Quote:

Sorry MedeaF, that does not apply if you come to be a resident here- and you have to register within 8 days (take a day or two, depending on Commune).

Thanks BM, was not aware of the new pro-rata thing- do you have a link by any chance. We arrived late in the month but had to pay for the whole month.
If someone comes for 3 months as a jobseeker for example they don't need to get health insurance unless they find a job and officially become resident. Until then they are treated as a tourist.


I already posted the link last time you asked about it but I'll see if I can find it again.

Here you go

http://www.englishforum.ch/2676528-post391.html

http://www.englishforum.ch/2676971-post398.html

Medea Fleecestealer 05.02.2017 18:57

Re: Requirements for Health Insurance
 
Quote:

Sorry MedeaF, that does not apply if you come to be a resident here- and you have to register within 8 days (take a day or two, depending on Commune).

Thanks BM, was not aware of the new pro-rata thing- do you have a link by any chance. We arrived late in the month but had to pay for the whole month.
I didn't say it did. Tom said it's from the first month you arrive. That could be the last week of February for example - BUT given that you have 14 days to register but must do so before you actually start working the OP could register in March and the insurance will be from that date, not February's arrival date.

"Gainful employment of more than 3 months:

Within 14 days of their arrival and before actually taking up work, nationals of EU-27/EFTA states have to register with the local authorities of the commune in which they are residing and apply for a residence permit. A valid ID or passport and a written confirmation of employment (e.g. the contract of employment containing details of the duration of employment and the number of working hours) have to be presented. A residence permit will be issued depending on the duration of employment: a short-term residence permit (type L permit) for employment of up to 364 days or a residence permit (type B permit) for employment of at least one year or for an unlimited period.

The steps necessary for obtaining a residence permit may be taken after arriving in Switzerland."

https://www.sem.admin.ch/sem/en/home...aq.html#Taking up residence and gainful employment

Guest 05.02.2017 19:03

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by Belgianmum (Post 2736108)
If someone comes for 3 months as a jobseeker for example they don't need to get health insurance unless they find a job and officially become resident. Until then they are treated as a tourist.


I already posted the link last time you asked about it but I'll see if I can find it again.

So it is important to qualify the comment - most people do not come as job seekers, but with a job offer and to be resident here- as Jorge is. If you cross the border with your possessions and the papers are dated, this is proof enough for your local Commune generally. But yes, perhaps we could have waited till 1st of April and still be legal and save one month's premium, as we arrived late in March. Fair enough. Previously, individual insurances could decide whether to charge for part of the month you arrived, or the whole month (as in our case with Assura)- which did seem unfair due to arrival very late in month (I think it was 29th !)

No worries about the link if it is too much hassle.

Belgianmum 05.02.2017 19:21

Re: Requirements for Health Insurance
 
Quote:

So it is important to qualify the comment - most people do not come as job seekers, but with a job offer and to be resident here- as Jorge is. If you cross the border with your possessions and the papers are dated, this is proof enough for your local Commune generally. But yes, perhaps we could have waited till 1st of April and still be legal and save one month's premium, as we arrived late in March. Fair enough.

No worries about the link if it is too much hassle.
We arrived on the 28th and registered immediately but our insurers didn't charge for October so we only started paying from November 1st so we were lucky.
You do have to register before starting a job so before the new rules came in lots of people who arrived at the end of a month ready to start a job on the 1st were probably charged the whole month's insurance as you were.

I added the links in my earlier post. :)

jorgehernandez1987 05.02.2017 20:04

Re: Requirements for Health Insurance
 
Thanks to mich for your messages.

As a conclusion we can state as follows:

If you are job seeker you have 3 months which you are not obey to pay health insurance.

if you are a worker as me, from the first day of arriving I need to contract an insurance.

In both cases I have to registered in the Canton? Right? In mi case giving as an Address the own of the Hotel. So if my first day of working is 3th of april I must contract an insurance to cover me from this day.

Another question. My fiancee will be here in Juli as a Job seeker . Should She registered in the Canton? In this case would it be an issue ? At the end of September we will get married. What we should do?

Thank you everybody for your time and help

Regards

Jorge

ivank 05.02.2017 20:10

Re: Requirements for Health Insurance
 
Quote:

if you are a worker as me, from the first day of arriving I need to contract an insurance.
No, you have 3 months to get a contract too. You can also just not care and let the government randomly enroll you with one of insurers, but that probably won't be the cheapest option overall. In any case you're insured from day 1, your future insurer will backdate the contract start.

Quote:

Another question. My fiancee will be here in Juli as a Job seeker . Should She registered in the Canton? In this case would it be an issue ? At the end of September we will get married. What we should do?
There is no status "job seeker". Important is just whether you take up residence or not. If she registers here as a resident - then she must get an insurance within 3 months too; if she stays here as a tourist for 90 days - then she doesn't have to take insurance. But if she's non EU and needs a Shengen visa to come here, she'll be asked for a proof of insurance (doesn't have to be swiss) to get the tourist visa anyway.

jorgehernandez1987 05.02.2017 20:19

Re: Requirements for Health Insurance
 
OK fine

But we will be out of Switerzland after September. For the honeymoon during 2 weeks. Count 3 months else for her? Because she goes out and get into again.

Therefore, Does she need to register in the Canton from the first day?

Thanks so much

Medea Fleecestealer 05.02.2017 20:21

Re: Requirements for Health Insurance
 
No, wrong. An EU national can be here as a job seeker for up to 3 months without registering. If they don't find a job in that period and want to continue looking then they have to register as being resident. If they have enough funds to support themselves while they job hunt they'll get an L permit for another 3 months.

During the first 3 unregistered months any emergency medical treatment should be covered under the EHIC scheme of her home country (if she doesn't have a card for this then she should get one), but any routine treatment will have to be paid out of her own pocket. Once she registers she'll have up to 3 months to arrange the health insurance cover, but if she leaves it too long then the first invoice will be quite large (being backdated to her date of registration). If she forgets entirely then the gemeinde/commune may put her on their default policy which may be more expensive than she wants to pay.

For you, you need to register as being resident before you actually start working here. You'll have the same 3 month period to arrange your health insurance cover.

https://www.ch.ch/en/health-insurance-foreigners/

As for marrying, it depends on where you plan to do this. Start your research here:

https://www.ch.ch/en/marriage/

jorgehernandez1987 05.02.2017 20:22

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by jorgehernandez1987 (Post 2736146)
OK fine

But we will be out of Switerzland after September. For the honeymoon during 2 weeks. Count 3 months else for her? Because she goes out and get into again.

Therefore, Does she need to register in the Canton from the first day?

Thanks so much

By the way. we are eu citizen.

Thanks in advance

ivank 05.02.2017 20:22

Re: Requirements for Health Insurance
 
Quote:

Therefore, Does she need to register in the Canton from the first day?
She needs to have insurance from the first day of when she takes up residence. Insurance is obligatory for residents, she'll be considered to be insured here once she registers, and has 3 months after that date to find an insurer who'll backdate the contract. If she doesn't find one, government will force some, probably not the cheapest, choice upon her.

If she doesn't register, i.e. stays as a tourist, then she doesn't have to take insurance. Tourist stay is normally maximum 90 days per year, so if her first stay is short enough, no need to get insurance: she comes as a tourist, leaves, comes back, registers as a resident, and from that date she needs to be locally insured.

jorgehernandez1987 05.02.2017 20:40

Re: Requirements for Health Insurance
 
Wow so I am confused with the explanations.

if she is tourist she doesn't need to register right? From the 3th month if she register she has 3 months to look for an insurance. So she will pay from the 6th month?

In my case as a worker-i have 3 months to contract an insurance therefore If I star in April I will star to pay the insurance in Juli?

Thanks a lot

k_and_e 05.02.2017 20:43

Re: Requirements for Health Insurance
 
Quote:

Originally Posted by jorgehernandez1987 (Post 2736158)
Wow so I am confused with the explanations.

if she is tourist she doesn't need to register right? From the 3th month if she register she has 3 months to look for an insurance. So she will pay from the 6th month?

In my case as a worker-i have 3 months to contract an insurance therefore If I star in April I will star to pay the insurance in Juli?

Thanks a lot

read all the posts in the thread once again and you will find all answers.

Guest 05.02.2017 20:45

Re: Requirements for Health Insurance
 
For you, you have to pay from the day you register (at your Gemeinde/village/town- not Canton btw)- so minimum from 1st of April when you start work, but probably earlier as you will have to register before work and to find somewhere permanent to live, not Hôtel. You have 3 months to organise the insurance, but it is backdated from the beginning.

For your girlfriend, soon to be your wife- if she lives with you with the intention to stay here for the duration, then she is not a tourist, is she? But no absolutely sure.


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