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-   -   Health insurance for part-time residents (https://www.englishforum.ch/insurance/273423-health-insurance-part-time-residents.html)

jamirah 14.08.2017 23:29

Health insurance for part-time residents
 
Is there anybody here who's primary residence is not Switzerland - e.g., you have a secondary home here, you're an investor, you're an exchange student, or fall into another case where you you live here part time - and if so, what sort of health insurance do you get to cover you when you're in Switzerland? And if you have children, what sort of health insurance do they need to attend school in such cases? Thanks very much.

TwentyEightTripsLater 15.08.2017 00:09

Re: Health insurance for part-time residents
 
Quote:

Originally Posted by jamirah (Post 2831093)
Is there anybody here who's primary residence is not Switzerland - e.g., you have a secondary home here, you're an investor, you're an exchange student, or fall into another case where you you live here part time - and if so, what sort of health insurance do you get to cover you when you're in Switzerland? And if you have children, what sort of health insurance do they need to attend school in such cases? Thanks very much.

When i travel internationally I buy health insurance from GeoBlue. If I were to say, summer in Switzerland I imagine this would cover me as a non-citizen. Not sure about children.

Medea Fleecestealer 15.08.2017 07:23

Re: Health insurance for part-time residents
 
Again this depends on your nationality and exactly what you're doing here. If an EU national who holidays here for less than 90 days then you should be covered for emergency treatment in Switzerland by your home country's health scheme via your EHIC card. A non-EU would need travel insurance.

An exchange student isn't a tourist, but a resident so would need to take out Swiss health insurance cover, although they may be able to get an exemption again depending on nationality/home country's health scheme.

jamirah 15.08.2017 13:40

Re: Health insurance for part-time residents
 
Quote:

Originally Posted by Medea Fleecestealer (Post 2831123)
An exchange student isn't a tourist, but a resident so would need to take out Swiss health insurance cover, although they may be able to get an exemption again depending on nationality/home country's health scheme.

Surely there must be heaps of students at international schools or universities doing just a semester or two without declaring Swiss residency, otherwise they might not be able to go back to their home countries if they are not nationals there.

Medea Fleecestealer 15.08.2017 14:03

Re: Health insurance for part-time residents
 
No, because to be able to study here you have to have a Swiss permit. That means you're a resident of Switzerland.

Why would they not be able to go back to their home countries? They're residents, not Swiss nationals? :confused: Exchange programs are just that, they have no effect on people not being able to return back to where their main study program is.

Belgianmum 15.08.2017 14:04

Re: Health insurance for part-time residents
 
Quote:

Originally Posted by jamirah (Post 2831320)
Surely there must be heaps of students at international schools or universities doing just a semester or two without declaring Swiss residency, otherwise they might not be able to go back to their home countries if they are not nationals there.

Eh?:confused: Why would they no longer be nationals of their home country just because they became Swiss residents for a few months? I can't see any reason for them to be refused re-entry into their home nation after spending a few months registered here.

jamirah 15.08.2017 15:59

Re: Health insurance for part-time residents
 
You're making the unfounded assumption that the person concerned is not a swiss citizen: 700 000 swiss citizens live abroad - some permanently and some of them don't even speak any of the national languages- - that's 10 percent of the entire swiss population.

I was inquiring for a swiss citizen who would like to spend some time here for family reasons, without declaring primary residency as a change of residency would effectively strip her of the right of abode (including her employment, child's school, the right to have a mortgage etc.) in her home country, where she is an immigrant, not a national.

Since Swiss insurances only offer coverage to people who have primary residence in Switzerland, I was inquiring about an expat insurance that will offer cover while in Switzerland for a period of 6 months to a year. Hence the exchange student example as that's typically the amount of time a student might stay here. I have trouble believing all of those expat kids in swiss boarding schools for short periods of time have exclusively swiss national insurances rather than expat insurances.

Longbyt 15.08.2017 16:09

Re: Health insurance for part-time residents
 
Quote:

Originally Posted by jamirah (Post 2831445)
I was inquiring for a swiss citizen

Quite honestly, an internet forum like this is not really the best place to ask about rules for a Swiss citizen. The majority of members are not Swiss. Your own profile is no help at all in our understanding the situation. Giving us this vital bit of information after receiving several replies is one of the reasons that EFers are sometimes so short with newcomers.

Medea Fleecestealer 15.08.2017 16:45

Re: Health insurance for part-time residents
 
Your friend needs to

a) check how long they can be out of their country without losing residency. For example, a non-Swiss national here who has an L (short stay) permit would lose this (it becomes invalid) if they're out of the country for more than 3 months. For B (residence) and C (permanent residence) permit holders the limit is 6 months.

b) check regarding Swiss health insurance - anyone, and I mean anyone, living here for more than 3 months has to have Swiss health insurance. That includes Swiss nationals.

From the ETHZ website for all students, exchange included.

"Swiss law requires all persons residing for more than three months in Switzerland to be covered by adequate health insurance.

Students attending a mobility programme may be exempt - under certain circumstances. There is a special procedure for students from EU and EFTA countries."

https://www.ethz.ch/en/studies/non-d...in-zurich.html

The easy way out of this of course is to only be here for a maximum of 3 months at a time. Then some sort of expat insurance would do the job.

Frankly, it would be just as easy for your friend to ask these questions of the Swiss embassy/consulate in the country they're currently living in. This organisation may also be able to provide advice, though it's more for Swiss nationals returning permanently to Switzerland.

http://aso.ch/en/consultation/back-to-switzerland


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