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Old 04.11.2017, 20:13
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Too late to opt for French insurance?

I work in Switzerland, but I live in France. I was going to make a decision on whether to have French or Swiss health insurance. Is this article stating that I am too late now to opt for French?


from https://www.swissinfo.ch/eng/cross-b...rance/42282874

"The deal addresses the tricky problem of French cross-border workers who commute into Switzerland to work in the Lake Geneva and Jura regions but return home in the evening. According to the accord signed by Swiss Interior Minister Alain Berset and French Minister for Health Marisol Touraine this week, French residents that have not been exempted from paying the mandatory Swiss health insurance can apply to do so.

But they will have to be quick, as they only have a one-year window of opportunity that lasts from October 1, 2016 to September 30, 2017. Those that fail to apply for an exemption within the deadline will be subject exclusively to Swiss health insurance obligations."

Thank you for any advice
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Old 04.11.2017, 20:59
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Re: Too late to opt for French insurance?

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I work in Switzerland, but I live in France. I was going to make a decision on whether to have French or Swiss health insurance. Is this article stating that I am too late now to opt for French?


from https://www.swissinfo.ch/eng/cross-b...rance/42282874

"The deal addresses the tricky problem of French cross-border workers who commute into Switzerland to work in the Lake Geneva and Jura regions but return home in the evening. According to the accord signed by Swiss Interior Minister Alain Berset and French Minister for Health Marisol Touraine this week, French residents that have not been exempted from paying the mandatory Swiss health insurance can apply to do so.

But they will have to be quick, as they only have a one-year window of opportunity that lasts from October 1, 2016 to September 30, 2017. Those that fail to apply for an exemption within the deadline will be subject exclusively to Swiss health insurance obligations."

Thank you for any advice
The Swiss one will likely be cheaper in the long run, come retirement you will need one unless you have a French pension if your living in France. No underwriting & premiums not based on age, whats not to like?
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Old 05.11.2017, 00:25
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Re: Too late to opt for French insurance?

I know that if I opt for Swiss insurance, it will be backdated to my arrival in Switzerland in late August. I would have to pay a hefty 900 chf or so this month!!

Will the same thing happen if I choose to join the French social security rather than Swiss system. Is it also backdated for frontaliers?

Thank you.
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Old 05.11.2017, 00:32
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Re: Too late to opt for French insurance?

It will be in fact backdated to the 1st of August, eg the beginnng of the month you arrived (many of us have been caught in that way).
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Old 05.11.2017, 09:40
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Re: Too late to opt for French insurance?

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It will be in fact backdated to the 1st of August, eg the beginnng of the month you arrived (many of us have been caught in that way).
No it won't. They changed it to the actual date of registration/birth and not the first day of the month of arrival/birth etc. over a year ago.
I have already posted links to this in the past ( at your request).
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Old 05.11.2017, 10:10
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Re: Too late to opt for French insurance?

forgive me but date of what registration?
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Old 05.11.2017, 10:26
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Re: Too late to opt for French insurance?

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forgive me but date of what registration?
The date you register as resident. If you live in Switzerland you have to register your arrival at your commune of residence within 8 days of arriving. Isn't it the same in France? You have to register when you move there and it's the date of registration that counts for the Swiss insurance.
Swiss health insurance used to be needed from the first day of the month of registration but that is no longer the case.

As you will be a frontalier I assume you have a G? permit. In this case Swiss the date on the permit would probably be the important one.
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Old 05.11.2017, 11:32
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Re: Too late to opt for French insurance?

So you currently have Swiss health insurance? AFAIK, it is never too late to switch from Swiss to French. The time window was to join the Swiss system for frontaliers with only private insurance at the time when it became obligatory to be in one state system or the other. The French system for frontaliers is then the CNTFS which is 8% of the net salary that you earned two years previously. The threat that it would rise to 13% has been around for some years without any hint that it will become reality ... or retraction of the threat...
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Old 05.11.2017, 11:38
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Re: Too late to opt for French insurance?

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No it won't. They changed it to the actual date of registration/birth and not the first day of the month of arrival/birth etc. over a year ago.
I have already posted links to this in the past ( at your request).
Oh I do apologise profusely - I had forgotten Thanks. Anyhow, this was only for common mortals, not for those who got their insurance via large corporate groups, same for pre-exisiting conditions for supplementary insurance.

Last edited by Odile; 05.11.2017 at 11:55.
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Old 05.11.2017, 12:23
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Re: Too late to opt for French insurance?

I do not have any insurance yet. I have to choose French or Swiss by around November 25th.

The backdated Swiss payment is putting me off despite finding a good deal with Helsana. The idea of handing over around 900 CHF is not very appealing!

Will I pay more or less if I join the French PUMA + around 34 euros extra for additional mutuel insurance?

Will the French insurance option also be backdated?

Thank you.
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Old 05.11.2017, 12:33
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Re: Too late to opt for French insurance?

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I do not have any insurance yet. I have to choose French or Swiss by around November 25th.

The backdated Swiss payment is putting me off despite finding a good deal with Helsana. The idea of handing over around 900 CHF is not very appealing!

Will I pay more or less if I join the French PUMA + around 34 euros extra for additional mutuel insurance?

Will the French insurance option also be backdated?

Thank you.
The 8% of net salary that I mentioned is for the PUMA, so you can work out the cost :-). The CNTFS is the administrator.

For the backdating, I have no idea. If I were you, I'd pay the excellent "Groupement de Frontaliers" their 80€ annual fee and get their advice. They know all this stuff like no-one else. They also do a great deal on filling in your tax forms.

Last edited by FrankZappa; 05.11.2017 at 12:36. Reason: Clarification
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Old 05.11.2017, 12:46
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Re: Too late to opt for French insurance?

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Anyhow, this was only for common mortals, not for those who got their insurance via large corporate groups, same for pre-exisiting conditions for supplementary insurance.
No it wasn't and you know it. Backdating to the first day of the month of arrival depended on the insurance company. They were all entitled to backdate the premiums to the first day of the month and some did whereas others didn't. Usually the cheaper insurers like Assura were the ones who backdated.

It may be so for supplementary coverage in some cases but it is definitely not the case for everyone.
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Old 05.11.2017, 13:07
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Re: Too late to opt for French insurance?

To understand your obligations and options, contact the:

Service de l'assurance-maladie
Route de Frontenex 62
1207 Genève

T +41 22 546 19 00
sam@etat.ge.ch (good luck with getting an email back)

https://www.ge.ch/organisation/servi...urance-maladie

Don't make your one-time, permanent decision based only on the cost. You should also consider any differences in access to and quality of treatment providers.
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Old 05.11.2017, 13:36
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Re: Too late to opt for French insurance?

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Don't make your one-time, permanent decision based only on the cost. You should also consider any differences in access to and quality of treatment providers.
This is exactly what I came back to say.

The 900chf backdated payment may seem like a lot of money now but could be a drop in the ocean compared to the overall costs.

There is much more involved in health insurance cover than cost alone.
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Old 05.11.2017, 16:35
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Re: Too late to opt for French insurance?

Bear in mind that a number of frontaliers have been willing to move (or "move" with a plausible Swiss residential address) to Switzerland temporarily (six months, I think), just for the right to switch from French to Swiss health insurance. After having acquired it, they can move back to France and remain in the Swiss system. As I understand it, high salaries are a particular factor, since the French system takes a fixed percentage.

So, fundamentally, I believe that the Swiss system is a better overall deal.
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