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Old 20.08.2017, 13:54
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Health insurance while on unemployement

My employer has informed me that most probably, my contract will not be renewed after February 2018. So most probably I will be on unemployment benefits then. But since I have a special health issue that needs to be covered each month I have a rather expensive health insurance premium (with low deductible), I pay near 500 CHF.
What will happen then when I lose my job? Will a special health insurance come with unemployment benefits(If yes how different it is in terms of deductible and premium) or I will still have to keep my expensive insurance?
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Old 20.08.2017, 14:16
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Re: Health insurance while on unemployement

You should make an appointment with the ORP / RAV as soon as possible, your appointed advisor will know if there will be any extra help with insurance available.

Now you know you will be unemployed, you should start looking for a new job immediately, you cannot wait until you are sent the letter, apply also away from your home town. The ORP will expect at least 10 applications per month, and they will ask to see the copies of applications you sent. Failing to do this will result in financial penalties, they are very strict!
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Old 20.08.2017, 14:17
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Re: Health insurance while on unemployement

This English-language RAV brochure "Essential Information for RAV Clients" explains the insurance coverage provided by RAV for registered job seekers. Unfortunately, health insurance is not included. See pp. 16-17:

http://www.awa.sg.ch/home/arbeitslos...6_englisch.pdf
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Old 20.08.2017, 14:19
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Re: Health insurance while on unemployement

You will have to continue paying your own health insurance premiums but if you are on a very low income you may be eligible for a health insurance subsidy.
As far as I know this will only be available in 2019 as it is based on the previous year's income.

You will receive 70% of your salary as unemployment benefit (80% if you have kids) assuming that you have been employed here for a year or more.
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Old 20.08.2017, 14:26
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Re: Health insurance while on unemployement

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You should make an appointment with the ORP / RAV as soon as possible, your appointed advisor will know if there will be any extra help with insurance available.

Now you know you will be unemployed, you should start looking for a new job immediately, you cannot wait until you are sent the letter, apply also away from your home town. The ORP will expect at least 10 applications per month, and they will ask to see the copies of applications you sent. Failing to do this will result in financial penalties, they are very strict!
Thanks for your reply, I have a Ph.D in engineering from Switzerland and currently a postdoc. I have already looked for jobs in the past two years (Over 100 applications sent already, but no success) and still looking, however, I do not see much relevant job advertisements currently. Will my previous applications also count? do you think there are special jobs only posted to RAV centers that I do not see currently?

Thanks
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Old 20.08.2017, 17:06
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Re: Health insurance while on unemployement

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My employer has informed me that most probably, my contract will not be renewed after February 2018. So most probably I will be on unemployment benefits then. But since I have a special health issue that needs to be covered each month I have a rather expensive health insurance premium (with low deductible), I pay near 500 CHF.
What will happen then when I lose my job? Will a special health insurance come with unemployment benefits(If yes how different it is in terms of deductible and premium) or I will still have to keep my expensive insurance?
Your health insurance is not associated with your employment. Since you already know the likely situation in 2018, choose a more appropriate policy when it comes up for renewal this year.

Your accident insurance will be covered while you are receiving unemployment benefits, so there will be no need to take out additional insurance to cover that.
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Old 20.08.2017, 17:12
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Re: Health insurance while on unemployement

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Thanks for your reply, I have a Ph.D in engineering from Switzerland and currently a postdoc. I have already looked for jobs in the past two years (Over 100 applications sent already, but no success) and still looking, however, I do not see much relevant job advertisements currently. Will my previous applications also count? do you think there are special jobs only posted to RAV centers that I do not see currently?

Thanks
RAV aren't primarely there to help you find a job. That's your duty. RAV will check if you're searching for a job at a reasonable pace.

Also, if you've been trying to find a job here for a while and can't land one, maybe you should think about moving back to your home country. Your permit will eventually expire if you can't land a job here. (You still get quite some time, though - but either you might have to open up to a wider array of jobs, or look elsewhere..)

Studying in Switzerland doesn't mean you can get a job easily, especially if it's in a field where low demand exists. A good apprenticeship will have plenty of work experience under his belt at the same age when you enter the market without any.
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Old 20.08.2017, 20:23
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Re: Health insurance while on unemployement

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Not so. If there is a significant drop in income (above 20% usually) you can apply for the subsidy immediately. It is worth looking into.
I don't think you can apply for it if your income beforehand was rather decent. Say, you earned 120k before. With 70% being on RAV you'd still get 84k, way above where you'd be able to claim Prämienverbilligung.
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Old 20.08.2017, 20:31
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Re: Health insurance while on unemployement

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Not so. If there is a significant drop in income (above 20% usually) you can apply for the subsidy immediately. It is worth looking into.
Unemployment pay is 70% or 80% of previous salary up to about 12k a month. No was will someone getting 8000 a month get a reduction.

If your a family & getting 3500 thats another matter.
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Old 21.08.2017, 00:12
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Re: Health insurance while on unemployement

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My employer has informed me that most probably, my contract will not be renewed after February 2018. So most probably I will be on unemployment benefits then. But since I have a special health issue that needs to be covered each month I have a rather expensive health insurance premium (with low deductible), I pay near 500 CHF.
What will happen then when I lose my job? Will a special health insurance come with unemployment benefits(If yes how different it is in terms of deductible and premium) or I will still have to keep my expensive insurance?
If you think you won't be able to afford the 500 CHF health insurance premiums, now is a good time to contact your insurance and remove extra coverage( zusatzversicherung) if you do not need it. You will need to give notice early enough otherwise you will be stuck with the premium for another year.

AFAIK your accident insurance is paid by your employer and you will need to get coverage from your insurer when you are unemployed. RAV might come into play here but not for your health insurance.
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Old 21.08.2017, 10:21
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Re: Health insurance while on unemployement

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AFAIK your accident insurance is paid by your employer and you will need to get coverage from your insurer when you are unemployed. RAV might come into play here but not for your health insurance.
The RAV / ORP provide accident insurance cover, just as an employer would. (See post #6 above)
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Old 31.08.2017, 14:32
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Re: Health insurance while on unemployement

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If you think you won't be able to afford the 500 CHF health insurance premiums, now is a good time to contact your insurance and remove extra coverage( zusatzversicherung) if you do not need it. You will need to give notice early enough otherwise you will be stuck with the premium for another year.

AFAIK your accident insurance is paid by your employer and you will need to get coverage from your insurer when you are unemployed. RAV might come into play here but not for your health insurance.
Please think twice before removing the Zusatzversicherung!!!!!
I AM SERIOUS!!!!!

If you don't think you can afford the insurance, you should get the cheapest basic (mandatory) coverage. Potential options may include: highest deductible (if you're healthy and don't use insurance much), HMO or Telemed option, limited pharmacy option, etc.

The problem with removing the Zusatzversicherung:
As this is supplementary coverage and not required by law, the insurance companies are not obliged to sell this to you. Unless there's some agreement (collective agreement) between your job and some insurance companies, you will usually be required to go through underwriting (health questionnaire) before the insurer decides whether they will sell the supplementary coverage to you.

Now, assuming you cancel your supplementary coverage whilst unemployed and at some point during this time, you discovered you have some health issues, you will then likely no longer have access to supplementary coverage anymore, or you would only be able to get supplementary coverage with an exclusion of this particular health issue.

Cancelling insurance (i.e. not keeping a continuous coverage) is a MAJOR DECISION and should not be taken lightly. This is how a lot of Americans end up "out of the system" and no longer insurable.
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Old 31.08.2017, 14:37
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Re: Health insurance while on unemployement

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Please think twice before removing the Zusatzversicherung!!!!!
I AM SERIOUS!!!!!

Cancelling insurance (i.e. not keeping a continuous coverage) is a MAJOR DECISION and should not be taken lightly. This is how a lot of Americans end up "out of the system" and no longer insurable.
This is not the USA, basic insurance covers everything in any case with ZERO underwriting.
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Old 31.08.2017, 14:52
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Re: Health insurance while on unemployement

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This is not the USA, basic insurance covers everything in any case with ZERO underwriting.
Please read what I wrote. I wrote specifically about cancelling Zusatzversicherung, aka supplementary coverage and NOT on basic which is mandatory with guaranteed issuance. There is no discussion about cancelling basic coverage as it's not allowed anyway!
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Old 31.08.2017, 14:58
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Re: Health insurance while on unemployement

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Please read what I wrote. I wrote specifically about cancelling Zusatzversicherung, aka supplementary coverage and NOT on basic which is mandatory with guaranteed issuance. There is no discussion about cancelling basic coverage as it's not allowed anyway!
Yes, I think you gave good advice, especially considering the OP has a pre-existing condition. It's possible that applying to take out supplementary insurance after cancelling the one she's already on will be unsuccessful.

If you've got supplementary insurance now and want to continue with its benefits - don't let it go.
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Old 31.08.2017, 15:08
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Re: Health insurance while on unemployement

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If you've got supplementary insurance now and want to continue with its benefits - don't let it go.
Exactly, lots of people let go of their coverage so easily which is actually a bit sad to see. It's essentially a gamble, but one should never gamble without knowing the potential consequences (i.e. may never be able to get back the supplementary coverage ever! ).
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Old 31.08.2017, 18:12
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Re: Health insurance while on unemployement

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Thanks for your reply, I have a Ph.D in engineering from Switzerland and currently a postdoc. I have already looked for jobs in the past two years (Over 100 applications sent already, but no success) and still looking, however, I do not see much relevant job advertisements currently. Will my previous applications also count? do you think there are special jobs only posted to RAV centers that I do not see currently?

Thanks
The current applications will help to minimise the stand- down time that RAV will impose if and when you become unemployed. From experience I would suggest that you;
forget RAV as a source of jobs - they are geared to trade/blue collar vacancies
Try networking, cold emails to companies, do not wait for advertised vacancies, try everything possible before you become unemployed - you do not have to tell anyone that your contract will not be renewed and get a written reference now.
www.jobs.ch is a good site but many companies do not advertise further than their own company websites.
If you are unemployed with RAV, they will demand a minimum of applications
every month
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Old 31.08.2017, 20:55
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Re: Health insurance while on unemployement

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The current applications will help to minimise the stand- down time that RAV will impose if and when you become unemployed. From experience I would suggest that you;
forget RAV as a source of jobs - they are geared to trade/blue collar vacancies
Try networking, cold emails to companies, do not wait for advertised vacancies, try everything possible before you become unemployed - you do not have to tell anyone that your contract will not be renewed and get a written reference now.
www.jobs.ch is a good site but many companies do not advertise further than their own company websites.
If you are unemployed with RAV, they will demand a minimum of applications
every month
One other thing, make sure you document everything. It all goes to show that you are trying!
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Old 01.09.2017, 08:54
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Re: Health insurance while on unemployement

Hi,

your health insurance does not seem so expensive, sadly I think that in the next 2 years mine will be about the same. Have you looked at the model you are using. You might save money if you use a named doctor or even the model where you first have to ring a service before going to a doctor.

All the best
Martin
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Old 01.09.2017, 11:42
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Re: Health insurance while on unemployement

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Exactly, lots of people let go of their coverage so easily which is actually a bit sad to see. It's essentially a gamble, but one should never gamble without knowing the potential consequences (i.e. may never be able to get back the supplementary coverage ever! ).
Just an FYI for those who can't get or are questioning keeping supplemental:

IME, where the consequences of having only basic insurance has most affected quality of care is in hospitalization and access to specialists.

However, some physicians who limit their practices to patients with private insurance might consider taking on a basic patient for an extra fee, which you would pay out of pocket. And many hospitals will let you upgrade to a private or semi private room for an out-of-pocket fee.

The fees paid might be less than the cost of your supplemental premium over the years, given that you'd only pay these when treatment is needed.

Just something to add to the calculation.

It's still a risk, though, having basic only can limit your access to some doctors. As always, YMMV.
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