Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 13.02.2017, 14:53
cF^ cF^ is offline
Newbie 1st class
 
Join Date: Mar 2013
Location: Germany
Posts: 19
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 6 Posts
cF^ has no particular reputation at present
It's Complicated ... being a student between countries (D/CH)

Hi everyone - this is a long post (I apologise),

I've had tummy ache regarding my insurance status for a while now and while I know the official mantra about when and how to get CH insurance I'd appreciate comments on my current situation.

As some of you might know - as a EU student coming to CH solely for the purpose of studying you are allowed to keep your homeland insurance. You get a special exception document which can be extended to last for up to 6 years. That's great - I've had one of those for the last 4 years and everything worked great (so currently I have a German student insurance - well worth it).

Anyway - omg I am not a student any longer . I've planned to work in my field of study for a year before going back to uni for a MA (probably in Germany).

There are several problems/ confusions because of this:

Legally I am allowed to take on internships in CH (they count as education) which would allow me to continue using exception BUT as Germany student insurance ends with exmatriculation (which is now) they start charging you 14% of your wage which ...looking even at Swiss internship wages comes to something like 300 Euros/month and that's more than a normal high franchise CH insurance (around 230 CHF). So you'd think it'd be worth getting a Swiss insurance right - which I have to do anyway if I get a 'proper' job .

BUT ... lets say I get a Swiss insurance and have to leave the country after 4 months or so because I go and study someplace else/ work someplace else who knows (loads of uncertainty atm) - can I just cancel my Swiss insurance because I am leaving the country or do I have to adhere to the rule that you're only able to terminate your contract at the end of the year?
I've heard and read different opinions regarding that issue (same with German insurance btw). The insurance companies SHOULD let you terminate the contract when you move away but if they do and what constitutes proof for them seems to be quite different and sometimes not very clear.

Additionally I am not sure if a Swiss Health Insurance company will take care of your old insurance (telling them you're leaving) if it is based outside CH.

So I've got a couple of questions:

Has anybody got experiences with leaving the Swiss health insurance due to moving away? Was ist easy/ difficult - what papers did you need to send?

Has anybody been in a similar situation? How did you react, what did you do to to get through this beaurocratic mess?

Does a Swiss Health Insurance Company cancel your old insurance for you even if it is outside Switzerland?


I just don't want to risk being stuck in a contract I might only use for a couple of months for a year and it is incredibly hard to plan your future if everything is that uncertain. At the moment it looks like I might work a couple of months here, a couple of months there ...

Reply With Quote
  #2  
Old 13.02.2017, 15:23
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 10,389
Groaned at 349 Times in 291 Posts
Thanked 12,417 Times in 5,964 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: It's Complicated ... being a student between countries (D/CH)

Easy, just send them a copy of the deregistration and the health insurance will be cancelled. And no, the insurance does not stop automatically, you need to inform them and you would need to inform the German health insurance that you are no longer a resident and will apply/have applied for Swiss health insurance.


Been there, done that, easy
Reply With Quote
The following 2 users would like to thank roegner for this useful post:
  #3  
Old 13.02.2017, 15:45
cF^ cF^ is offline
Newbie 1st class
 
Join Date: Mar 2013
Location: Germany
Posts: 19
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 6 Posts
cF^ has no particular reputation at present
Re: It's Complicated ... being a student between countries (D/CH)

You make it sound so easy - that's a relief.
Reply With Quote
  #4  
Old 13.02.2017, 15:47
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 10,389
Groaned at 349 Times in 291 Posts
Thanked 12,417 Times in 5,964 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: It's Complicated ... being a student between countries (D/CH)

Quote:
View Post
You make it sound so easy - that's a relief.
It was easy
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Split salary between two countries? 3Wishes Finance/banking/taxation 9 13.11.2016 23:04
How complicated is it to live in France and work in CH as a US citezen? 158Westwood Insurance 12 19.07.2015 11:12
This is a complicated one... health/accident insurance between domiciles tigris330 Insurance 14 03.10.2011 13:14
Travelling from CH to EU countries on a year long L student permit daredevil Permits/visas/government 2 20.07.2010 14:20
complicated student permit question debi Permits/visas/government 2 25.09.2008 17:43


All times are GMT +2. The time now is 03:38.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0