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  #21  
Old 25.06.2008, 19:55
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Re: Private Health Insurance not required if....

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You can face a very awkward situation, if you do not have a Swiss insurer. I did.

A family member was urgently hospitalized and needed an expensive immediate operation. I did not then have a Swiss medical insurance. The hospital told me that I must produce a written full guarantee from my insurer before the operation. Alternatively, I must pay CHF 5'000 cash up front! Fortunately, my employer gave me a cash advance and the operation was done.

Also be aware that a foreign insurer may only reimburse at rates prevalent in that country. That may not fully cover the high Swiss hospital charges. Moreover, the hospital may charge the super-rates for non-residents, because the hospital may not get the Cantonal subsidy.

It could all become very messy, just when you can do without hassles.
Sorry to hear about that, but in the situation being discussed, we get an insurance card to prove insurance with a 24 hour hotline number that can be called to authorise any treatment necessary. I carry mine always with me incase I have an accident that requires emergency treatment.
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  #22  
Old 25.06.2008, 20:31
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Re: Private Health Insurance not required if....

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That's fine by me if I have a condition that requires more then 30 days in hospital I would rather be in Ireland anyway! In which case I can revert to a normal VHI plan and be treated indefinatley at home.
That’s fine IF you can wait, travel back, and make the necessary arrangements, but there are plenty of circumstances where you would not be able to do this or know, in advance, just how long you may be in hospital.

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….for an Irish person staying here temporarily then it is a no brainer.

Agreed, just as long as you understand the limits of your cover and the degree of risk that you are taking.
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  #23  
Old 25.06.2008, 21:09
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Re: Private Health Insurance not required if....

You don't need to wait. If you need treatment you can get it here, if the treatment is going to be long term then you can choose to be transferred home, and sort things out there.

In a real emergency you can't be refused treatment, and everyone is covered by accident insurance too, so we are really only talking about illnesses anyway.

You started off saying this was totally illegal, now you change to not advisable. It seems to me that you are almost jealous that you didn;t have an option for something like this.

I think that this is a viable option for Irish people who are working in Switzerland temporarily. Each person should weigh up the pro's an con's of this themselves, but they do not need to be made feel like criminals by people like you if they take up this option. This is what you essentially are doing with your its wrong at all costs stance.

The bottom line is, if you are Irish you do have the opportunity to see if VHI Global will work for you.

I am happy to use it for as long as I can, and I am sure there are others out there too. You don't need to make us feel like we are the scum of the earth because we choose this option, it is a valid and legal option. We are covered by health insurance and we are hurting no-one!
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  #24  
Old 25.06.2008, 23:12
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Re: Private Health Insurance not required if....

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You don't need to wait. If you need treatment you can get it here, if the treatment is going to be long term then you can choose to be transferred home, and sort things out there.

In a real emergency you can't be refused treatment, and everyone is covered by accident insurance too, so we are really only talking about illnesses anyway.

You started off saying this was totally illegal, now you change to not advisable. It seems to me that you are almost jealous that you didn;t have an option for something like this.

I think that this is a viable option for Irish people who are working in Switzerland temporarily. Each person should weigh up the pro's an con's of this themselves, but they do not need to be made feel like criminals by people like you if they take up this option. This is what you essentially are doing with your its wrong at all costs stance.

The bottom line is, if you are Irish you do have the opportunity to see if VHI Global will work for you.

I am happy to use it for as long as I can, and I am sure there are others out there too. You don't need to make us feel like we are the scum of the earth because we choose this option, it is a valid and legal option. We are covered by health insurance and we are hurting no-one!
I think you are referring to another thread here, the one about cheap insurance for students.

In that discussion the regulations clearly stated that the insurance had to be the equivalent to the basic Swiss cover. The policies under discussion were clearly not equivalent as the had special terms about pre-existing conditions and other differences from the Swiss system. The regulations I refered to in a previous post on this thread now make no reference to the policy having to be equivalent cover. It only states –
Quote:
You do not need health insurance if: you have health insurance in a member country of the EU, in Iceland or in
Norway.
You say –
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Each person should weigh up the pro's an con's of this themselves, but they do not need to be made feel like criminals by people like you if they take up this option. This is what you essentially are doing with your its wrong at all costs stance.
I certainly agree with your first sentence but I’m not saying that its wrong at all costs. If you read my post again I agreed with you that it’s a ‘no brainer’ and I simply went on to say “…just as long as you understand the limits of your cover and the degree of risk that you are taking”.

The point I’m making is that if insurers are allowed to apply special terms because of pre-existing conditions and allowed to refuse cover to expensive risks (older people) then, of course, they can offer a cheaper cover. If your Irish insurer had to accept risks on the same basis as a Swiss one, offer exactly the same cover, and support other insurers if they go insolvent, then I think you would find the premiums were much higher. I’m certainly not jealous of your insurance and I much prefer the Swiss system where everybody is covered by the basic policy at a normal premium irrespective of their health or age. Having read the conditions of your policy and , in particular, page 21 “General Exclusions applying to all Sections of this Policy I much prefer to have a Swiss insurance.
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  #25  
Old 04.07.2008, 19:21
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Re: Private Health Insurance not required if....

Ok guys so another update for ye. I rang the Wirtschafts- und Sozialdepartement des Kantons Basel-Stadt office inquiring about my situation and was told to e-mail a lady there that deals with it along with any documents supporting my situation i.e my irish insurance document permit and e-mail from avanex.

I did this and 4days later I am after receiving a letter from them stating that I do not have to pay Swiss health insurance for the period 25.01.2008 - 25.01.2011 which is the date of my permit. So I guess this has worked for me and hopefully now maybe some others might be able to use this information to help themselves.

I have sent this document to avanex to get them to cancel my insurance with them, which they said previously would not be a problem if I got this letter.

I have also successfully made a claim off my Irish Insurance for a doctors visit, it works the same as the swiss system I pay the bill then claim off the insurance company so far it has worked out for me so I am happy to continue with this for the time being.

I have attached theletter which i received back from them in case this might help others.
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File Type: pdf letter.pdf (61.1 KB, 289 views)
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  #26  
Old 04.07.2008, 19:39
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Re: Private Health Insurance not required if....

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Having read the conditions of your policy and, in particular, page 21 “General Exclusions applying to all Sections of this Policy I much prefer to have a Swiss insurance.


Hi Blonaybear,

The 1st 2 conditions listed under the ''general exclusions applying to all sections of this policy'' are not applicable if you have moved over from another vhi insurance plan and have already served your ''waiting period'' which like me I’m sure other Irish guys who got this were also with vhi before transferring to global, and the same will go for condition number 3

Quote:
Medical Treatment for a continuation of a course of treatment when you have been repatriated or travel to Your Home Country or country
Nominated by you and agreed by us and do not intend to return abroad.


If you get sick and need to return to Ireland for treatment and do not plan to return abroad then you can transfer your plan back to a normal vhi plan which will cover you for treatment in Ireland as you will also have served your ''waiting period'' through your global plan, and they could not exclude you treatment under the grounds of having a ''pre-existing medical condition'' as long as you didn't have this condition or it wasn't found out that u had this condition when you 1st took out your very 1st vhi plan.

For me I'm 24 and it makes sense for me to have this policy as I don't plan to get sick (I know it may happen) and if I do then at least I'll know I hadn't got the illness when I took out my policy so I would be covered for the treatment with the Insurance.

1 thing that I dislike about the Swiss Insurance system is that they do not always pay for your transport costs to hospitals e.g. in the ambulance. My friends were in a car crash in Basel and an ambulance was called (they didn't call it) and then they got a bill from the insurance company or ambulance crowd (I'm not sure which 1) and the Swiss Insurance company said they wouldn't pay it as it wasn't authorised by them. I mean come on if your in an accident and you are hurt how the hell are you suppose to call your insurance company and ask them if it is ok for you to call an ambulance?? That sounds ridiculous to me!!!
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  #27  
Old 04.07.2008, 19:50
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Re: Private Health Insurance not required if....

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1 thing that I dislike about the Swiss Insurance system is that they do not always pay for your transport costs to hospitals e.g. in the ambulance. My friends were in a car crash in Basel and an ambulance was called (they didn't call it) and then they got a bill from the insurance company or ambulance crowd (I'm not sure which 1) and the Swiss Insurance company said they wouldn't pay it as it wasn't authorised by them. I mean come on if your in an accident and you are hurt how the hell are you suppose to call your insurance company and ask them if it is ok for you to call an ambulance?? That sounds ridiculous to me!!!
This sounds very odd to me.....

First of all this would be covered under accident insurance.

If your friends are working it would go through their works accident insurance and not through their personal health insurance.

Secondly, did the driver of the car not have insurance for his/her passengers? Depending on the company and the product, they would cover accident expenses for your passengers (but not for yourself which is interesting...)

I would be interested to know who your friends are insured with and if they have supplementary or not.

Well done for getting them to accept your insurance policy. Like I said, it happens for some and not for others. No idea why.

Having said that, if you do have to stay longer than 3 years, they may review your situation then.
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  #28  
Old 04.07.2008, 19:56
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Re: Private Health Insurance not required if....

Hi Jenny,

I do not know who the drivers insurance company was but I will try and find out.

As for the 3 years thing, the letter said i will be exempt from the Swiss insurance untill the end of my B permit which is 4.5years from now.

If I am still in Switzerland by then then I will more than likely take out Swis insurance as it would make more sense. I only did this Irish insurance in case I wasn't staying in Switzerland for a long period.

Looks like I will be here for the future though as I just accepted a permenant job in Basel, all I have to do now is learn the language before I start in November. AGHHHHHH
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  #29  
Old 04.07.2008, 21:32
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Re: Private Health Insurance not required if....

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Hi Blonaybear,

The 1st 2 conditions listed under the ''general exclusions applying to all sections of this policy'' are not applicable if you have moved over from another vhi insurance plan and have already served your ''waiting period'' which like me I’m sure other Irish guys who got this were also with vhi before transferring to global, and the same will go for condition number 3

I agree about the first two conditions but what about No. 20 ?

Quote:
General Exclusions applying to all Sections of this Policy
We will not pay for:

20. Claims arising as a result of the Insured Person’s participation in any of the following activities; The Insured Person engaging in or practising for the following sports and activities: aqua-lung diving below 100 metres; bobsleigh; boxing; solo caving, cave diving or pot-holing; canyoning; flying or taking part in other aerial activities except whilst travelling as a fare-paying passenger on a licensed airplane; hang-gliding; heli-skiing; high diving; hunting/shooting; hunting on horseback; horse jumping; hurling; luge; micro-lighting; parasailing; para-skiing; polo; point-to-point; professional sport; quad biking; racing of any kind other than on foot; safari with guns; shark feeding/cage diving; skeleton; ski-jumping, racing or stunting; solo mountain climbing; steeple-chasing or horse-racing of any kind; weight lifting; white water canoeing, white or black water rafting (grade 5 and 6); wrestling, karate and any form of martial arts or unarmed combat; yachting outside territorial waters or any other specially hazar

I’ve bolded a few of the activities which are excluded and I think many people would not expect these not to be covered by their health insurance.

The most important thing with this type of policy is to fully read, and understand, what is not covered. If you then decide to take the chance it’s up to you.
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  #30  
Old 04.07.2008, 21:45
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Re: Private Health Insurance not required if....

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Hi Blonaybear,


1 thing that I dislike about the Swiss Insurance system is that they do not always pay for your transport costs to hospitals e.g. in the ambulance. My friends were in a car crash in Basel and an ambulance was called (they didn't call it) and then they got a bill from the insurance company or ambulance crowd (I'm not sure which 1) and the Swiss Insurance company said they wouldn't pay it as it wasn't authorised by them. I mean come on if your in an accident and you are hurt how the hell are you suppose to call your insurance company and ask them if it is ok for you to call an ambulance?? That sounds ridiculous to me!!!
The compulsory insurance covers 50% and an insurer cannot change this.
See this on Comparis.
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  #31  
Old 05.07.2008, 14:11
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Re: Private Health Insurance not required if....

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The compulsory insurance covers 50% and an insurer cannot change this.
50% max. 500.- p.a.

If they had complementary this would, obviously, be a lot more depending on who they're with.
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  #32  
Old 05.07.2008, 15:31
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Re: Private Health Insurance not required if....

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hi there guys I just wanted to share some information with ye which I got from the authorities in Basel Stadt.

I went down to their office about 6 weeks ago to enquire about the health insurance requirement, now as I understood it I was led to believe that you had to have Swiss private health insurance if living in Switzerland regardless of what insurance you may have back in your native country, however my friend who arrived here in January got a letter form the authorities in Basel telling him that the Swiss Insurance was not mandatory but it was advisable to have and they included a list of insurance companies for him to look at.

So anyway I was a bit confused by this so I went down to the authorities in Basel Stadt and asked about this and sure enough its true. They told me that I am not required to have Swiss private health insurance if I already have a private health insurance plan from an EU country which covers me in Switzerland (which I do, VHI Global from Ireland).

They however did not have this information in writing. Now I have a bit of a problem; I have signed up for health insurance with Avanex back in February but it took them so long to set up the policy that I only received my 1st bill at end of March, I have not paid this yet and am now wondering if I will be able to cancel the policy as I do not require it since I have my Irish policy which is cheaper and covers me for a lot more than my basic Avanex plan would.

Does anyone know if it would be possible to cancel the policy with them considering I do not require it?
Hi
thanks for this tip - just phoned VHI - who confirmed if you have a Irish passport and 'intend' on returning to Ireland - your 'Global' medical insurance works in Switzerland. they have two levels - 1 & 2 - it is far cheaper than Swiss insurance. But you have to be Irish or a partner of an Irish citizen.
why can't all call centres be as helpful as VHI ??
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  #33  
Old 15.06.2009, 23:03
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I have international insurance

Hello,
I am covered in Finland and have an international insurance policy which covers my health. Do I need another health insurance because I am living in Switzerland? Is their something about this on EU law do I have to have Swiss insurance and can I not choose my own insurance from any of the bilateral EU countries?

Thanks in advance
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  #34  
Old 15.06.2009, 23:17
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Re: I have international insurance

As far as I know, if you are here just for a holiday then there is no problem with private cover (or getting the correct form from your country).
However, if you live here, you must get involved with one of the recognised swiss insurance companies - it is a semi nationalized system.
Not so expensive, and compared with the UK where they take 11 percent of your salary, it works out not too bad - and the cover is bril and you do not have to wait 2 weeks to see your GP.
If you are young with no major health issues, I reckon it would be about 200 CHF a month (if you shop around)
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  #35  
Old 16.06.2009, 00:57
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Re: I have international insurance

200chf per month for health insurance is quite a lot mine is presently 700 euros a year internationally and covers my travel and camera equipment.

Why do I exactly have to isnt it just fine to be insured already with a internationally recognised company?

I am self employed

I like my insurance company in Finland as far as I have seen, it gives similar care?

Sorry for the questions but their seems to a bit of con going on here and seems competition law is not applied here.
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  #36  
Old 16.06.2009, 01:01
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Re: I have international insurance

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200chf per month for health insurance is quite a lot mine is presently 700 euros a year internationally and covers my travel and camera equipment.
Health insurance that covers your camera...???
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  #37  
Old 16.06.2009, 07:44
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Re: I have international insurance

Your question was discussed here:
Private Health Insurance not required if....

Bottom line - it's worth a try if you're successful make sure you understand what your foreign insurance covers you for.
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  #38  
Old 16.06.2009, 08:06
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Re: I have international insurance

We arrived in Switzerland in the same position as you. We had international health insurance which we had had for years and which we were able to show covered us in Switzerland.

For the government here, this was not enough. They gave us a form to submit to our international health insurance company (based out of the USA) that needed to be signed by them. It basically stated that all medical costs in Switzerland for our family would be covered by the US insurance. Our insurance company refused to sign the Swiss form but instead submitted their own letter which outlined what our coverage entailed (eg accident up to x million dollars, pregnancy coverage x thousand dollars etc). The Swiss would accept nothing but the original letter which they had provided signed by the insurance company. They did however allow us to see out the term of the US insurance (it ran for about another 7 months after we arrived in Switzerland) and when it was finished we had to buy local Swiss insurance.

At first we were not happy about this either, as we had had the international insurance for quite a few years and it had worked fine, but it has turned out the local insurance has been better, more flexible and has a lower franchise (deductibles).

Good luck
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  #39  
Old 16.06.2009, 09:42
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Re: I have international insurance

ask our resident insewerance expert here on EF: jenny she may even be able to cut you a deal.
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