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Old 18.11.2017, 09:44
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Traveling - pause health insurance

I heard there is the possibility if one travels for 6 months (in non-EU) to pause the Swiss health insurance is that right?
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Old 18.11.2017, 11:12
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Re: Traveling - pause health insurance

Helle, and welcome to the Forum.

I do not know whether you are allowed to do that.
The first part of my post deals with factors to consider when trying to decide whether or not that is a wise thing to do.

Depending on the insurance package you bought, your Swiss insurance will cover you, under certain circumstances, for emergencies abroad. Therefore, if you do cancel it, you should be sure to buy some other medical insurance.

If you consider buying other travel health insurance, you'd need to check how the so-called "Franchise" (deductibe, i.e. the first slice that you pay, yourself, no matter what) and "Selbstbehalt" (self-pay percentage of any bill) compare, in a new insurance, with those you already have in the compulsory Swiss insurance. Some international travel insurances set these amounts really high, which can be a killer for someone who suddenly needs a lot of treatment abroad.

The following is from comparis, a site which compares various products and advises on financial matters of everyday life.
https://www.comparis.ch/krankenkasse...herung-ausland
From there, very roughly translated mainly by Google:
"The [Swiss] compulsory basic health insurance pays[abroad] only in case of a medical emergency. According to the [Swiss] Health Insurance Ordinance, this means "if insured persons require medical treatment during a temporary stay abroad and when a return journey to Switzerland is not appropriate".
....
"If you get sick on a trip abroad, the [Swiss] compulsory health insurance will pay no more than double the costs that would be incurred in Switzerland for the same treatment." ...

EDIT:
Here's a part about being allowed or not allowed to stop your obligatory Swiss medical insurance.
It is set out on the following site about preparing for being away for a long time. This is a private site, not government info.
http://www.travel-bugs.org/article-30723377.html

There, it states, under "Krankenkasse":
"As long as you remain registered in Switzerland, you are obliged to pay the health insurance basic insurance.
If you sign off (= de-register) in Switzerland, you fall out of the basic insurance.
In some health insurance, despite deregistration from the place of residence, a continuation of the insurance is possible.

Bear in mind that the basic insurance is usually not sufficient and an additional insurance with an extension to the worldwide coverage is necessary, especially for traveling to the US, Canada and Japan. The premium for this package is very expensive.
For a shorter stay, a higher premium is probably "bearable". For a long stay, the monthly premiums of course adds up to a higher overall sum.
Especially if one sign off (= de-registers) from Switzerland, it can be difficult to find any Swiss health insurance that will insure you.
A comparison with other providers [beforehand] makes sense, especially financially."

Of course, you also have to be sure what your permit situation is, if you don't have a Swiss nationality. In general, if you de-register (abmelden) from Switzerland, then that means your permit is over. If you ever wanted to return here, then you'd have to recommence the entire permit application process from scratch.

Last edited by doropfiz; 18.11.2017 at 11:25.
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Old 18.11.2017, 11:45
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Re: Traveling - pause health insurance

If I have understood it correctly, this site says you can 'pause' (sistieren) the 'Zusatzversicherung' for six months. You cannot suspend the basic insurance. If you are constantly on the move, even if you have officially left the place you lived in, you are considered to have your 'domicile' here and have to continue to pay your insurance premiums.

Things might have changed since this was last updated and it doesn't agree with the site Doropfiz found so if I were you, I would ask my own Insurance about it.
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Old 18.11.2017, 13:35
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Re: Traveling - pause health insurance

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If I have understood it correctly, this site says you can 'pause' (sistieren) the 'Zusatzversicherung' for six months. You cannot suspend the basic insurance. If you are constantly on the move, even if you have officially left the place you lived in, you are considered to have your 'domicile' here and have to continue to pay your insurance premiums.

Things might have changed since this was last updated and it doesn't agree with the site Doropfiz found so if I were you, I would ask my own Insurance about it.
To me both sites agree, and it is the same info found elsewhere.
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Old 18.11.2017, 14:43
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Re: Traveling - pause health insurance

I know I might be answering a different question.

I have a colleague who has gone on assignment to the US for upto 4 years.

Their insurer SWICA agreed to suspend their complementary policies as long as my colleague continues to pay 10% of the annual premium.

They are happy to do this as it means they can pick up the policies again on their return and have continued coverage for preexisting conditions, without a medical exam.
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