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Old 14.08.2017, 23:29
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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.
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Old 15.08.2017, 00:09
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Re: Health insurance for part-time residents

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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.
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Old 15.08.2017, 07:23
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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.
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Old 15.08.2017, 13:40
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Re: Health insurance for part-time residents

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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.
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Old 15.08.2017, 14:03
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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? Exchange programs are just that, they have no effect on people not being able to return back to where their main study program is.
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Old 15.08.2017, 14:04
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Re: Health insurance for part-time residents

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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? 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.
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Old 15.08.2017, 15:59
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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.
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