Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 26.12.2017, 23:20
Newbie
 
Join Date: Dec 2017
Location: Geneve
Posts: 3
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
danda has no particular reputation at present
Health Insurance PhD student

I am a foreign, non-EU PhD student in Geneva since 2014 and am signed up with a private health insurance company because when I started I earned less than the 42k cap needed to be qualified for LAMal.

My salary however changed in the duration of my studies, and I earned more than 42k but I was never informed that I have to change my insurance by my insurance company or HR at my office. My insurance provider kept renewing my contract, so I continued paying.

I recently received a letter asking for my salary slips from SAMF in Geneva, which I submitted. I have now learned that I have somehow violated the rules regarding salary cap and now am wondering what the consequences for this may be? Has anyone had a similar experience?
Reply With Quote
  #2  
Old 27.12.2017, 09:09
Mélusine's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Lutry
Posts: 3,720
Groaned at 31 Times in 26 Posts
Thanked 5,029 Times in 2,080 Posts
Mélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond repute
Re: Health Insurance PhD student

There’s no salary cap for insurance?!

In Switzerland, every resident must have a health insurance, whatever your age or income. From the moment you become a resident, you need one.

If I were you I’d hurry to choose an insurance provider. And be warned that your contract might be backdated to your moment of entry in the country...
Reply With Quote
  #3  
Old 27.12.2017, 13:36
Newbie
 
Join Date: Dec 2017
Location: Geneve
Posts: 3
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
danda has no particular reputation at present
Re: Health Insurance PhD student

Hi! Thanks for your reply.

As I mentioned I do have a health insurance with a Swiss company since I came. However it is a private insurance that is much cheaper than regular ones, because I am a foreign student living temporarily in Switzerland.

My question was regarding the exemption that foreign students get (as mentioned here https://www.englishforum.ch/insuranc...-au-pairs.html) and whether I am eligible for it given that I earn more than 42 K.
Reply With Quote
  #4  
Old 27.12.2017, 15:02
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 10,821
Groaned at 83 Times in 74 Posts
Thanked 16,379 Times in 7,286 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Health Insurance PhD student

I do not know or understand where you get this 42k limit you are speaking about. (About half of the max BVG/LPP wage)

It is neither mentioned in Art. 2 Abs. 4 OAMal
https://www.admin.ch/opc/fr/classifi...219/index.html
nor for example in the terms and conditions of Swisscare which offers such special insurances https://swisscare.com/wp-content/upl...landGic-EN.pdf

It is also not mentioned on this government website: https://www.bag.admin.ch/bag/en/home...erende-ch.html
__________________
"I think so, Brain. But where are we going to find a gallon of whip cream and three yards of lederhosen at this time of night? Narf!"
Reply With Quote
The following 2 users would like to thank aSwissInTheUS for this useful post:
  #5  
Old 27.12.2017, 15:41
Newbie
 
Join Date: Dec 2017
Location: Geneve
Posts: 3
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
danda has no particular reputation at present
Re: Health Insurance PhD student

Yes you're right, even I have had a hard time finding any official rules or information regarding this! Even my private insurance provider mentions nothing about the salary cap on their website

But for instance, this discussion on EF mentions the 42 K limit and is where I learned about this. Hence, I asked about this here.

https://www.englishforum.ch/insuranc...-you-know.html
Reply With Quote
  #6  
Old 27.12.2017, 16:08
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 10,821
Groaned at 83 Times in 74 Posts
Thanked 16,379 Times in 7,286 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Health Insurance PhD student

O.K. so it is cantonal thing.

The best you can do is to give SAM Geneve a call and ask them directly about the conditions for PhD-students being exempt from regular LAMal insurance.
https://www.ge.ch/organisation/servi...urance-maladie

You are aware that the initial exemption is only valid for three years and can be renewed once for an other three years.
Reply With Quote
Reply

Tags
insurance, phd student




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
PhD Health Insurance Options in Basel baselUK Insurance 3 13.01.2017 20:21
Can I use a foreign health insurance as a PhD student? 20181216a Insurance 4 01.09.2015 18:22
Pregnancy and PhD student health insurance student555 Insurance 3 03.05.2015 13:12
Student health insurance ruchiksy Insurance 24 04.05.2013 00:46
Student health insurance beetrootman Insurance 5 29.08.2011 14:11


All times are GMT +2. The time now is 17:06.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0