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Old 21.03.2018, 18:34
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Interim Health Insurance

Hi

Our Swiss Health Insurance ends on 31 March, same date we are de-registered from Switzerland. We are not leaving the country until 6 April though (to Australia) - any idea what kind of interim health insurance we could get for these 6 days?

Thanks!
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  #2  
Old 21.03.2018, 18:49
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Re: Interim Health Insurance

Ask your current insurance for an extension of a week?
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Old 23.03.2018, 11:20
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Re: Interim Health Insurance

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Ask your current insurance for an extension of a week?
Thanks for the advice. I checked but they said they can't extend it over the last day we are registered in Switzerland. I checked World Normads but they are quite expensive. Any other provider anyone know or would recommend? Thanks!
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Old 23.03.2018, 11:34
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Re: Interim Health Insurance

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Thanks for the advice. I checked but they said they can't extend it over the last day we are registered in Switzerland. I checked World Normads but they are quite expensive. Any other provider anyone know or would recommend? Thanks!
Unless you can show your insured in your new country, I am amazed that your off the hook as the insurance is liable for the next 3 months as you have an EHIC card.
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Old 23.03.2018, 12:04
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Re: Interim Health Insurance

@fatmanfilms, could you please explain more?

It seems you are saying that even when deregistering, one is liable to keep up medical insurance with Switzerland, paying Swiss premiums, for 3 months after leaving. Have I understood you correctly? I had also thought, as juliazurich posted, that a Swiss medical insurance (Krankenkasse) will/can no longer insure one beyond the date of de-registering.
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Old 23.03.2018, 12:49
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Re: Interim Health Insurance

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@fatmanfilms, could you please explain more?

It seems you are saying that even when deregistering, one is liable to keep up medical insurance with Switzerland, paying Swiss premiums, for 3 months after leaving. Have I understood you correctly? I had also thought, as juliazurich posted, that a Swiss medical insurance (Krankenkasse) will/can no longer insure one beyond the date of de-registering.
Unless you can prove coverage in your new country yes, as the insurance has 3 months liability as a tourist. I had to prove I had such cover (exemption certificate) in my case.
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Old 23.03.2018, 14:01
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Re: Interim Health Insurance

When a friend of mine was preparing to leave, she was told emphatically by her Swiss medical insurance (just as juliazurich says here) that they could not extend her cover for any time beyond when she registered from living in Switzerland.

How does the liability of an insurance which can no longer insure one (cannot offer cover, cannot receive premiums) continue?
Put the other way round, how can a Swiss insurance company receive premiums for someone who is deregistered?
To whom did you have to prove that you had new cover in a new country?

What am I missing or misunderstanding, here, please?
Could you please provide a link to explain? Thanks.
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Old 23.03.2018, 14:18
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Re: Interim Health Insurance

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When a friend of mine was preparing to leave, she was told emphatically by her Swiss medical insurance (just as juliazurich says here) that they could not extend her cover for any time beyond when she registered from living in Switzerland.

How does the liability of an insurance which can no longer insure one (cannot offer cover, cannot receive premiums) continue?
Put the other way round, how can a Swiss insurance company receive premiums for someone who is deregistered?
To whom did you have to prove that you had new cover in a new country?

What am I missing or misunderstanding, here, please?
Could you please provide a link to explain? Thanks.
EHIC covers for 90 days as a tourist, my insurance co required confirmation in 2014 that I posed no liability to them for those 90 days.
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Old 23.03.2018, 14:42
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Re: Interim Health Insurance

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Unless you can prove coverage in your new country yes, as the insurance has 3 months liability as a tourist. I had to prove I had such cover (exemption certificate) in my case.
This was not my case upon leaving Switzerland after my study abroad. Perhaps a different situation, but I did have full Swiss health insurance, and I wasn’t insured in the USA, where I was returning. All the insurance company wanted was the paperwork saying I was leaving on a certain date, and they cut off my insurance after that point.

OP, can you not have your official leaving date match your actual one? That would seem simplest, but perhaps you’re unable to do so due to a work contract, etc.
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Old 23.03.2018, 14:58
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Re: Interim Health Insurance

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This was not my case upon leaving Switzerland after my study abroad. Perhaps a different situation, but I did have full Swiss health insurance, and I wasn’t insured in the USA, where I was returning. All the insurance company wanted was the paperwork saying I was leaving on a certain date, and they cut off my insurance after that point.

OP, can you not have your official leaving date match your actual one? That would seem simplest, but perhaps you’re unable to do so due to a work contract, etc.
EHIC does not cover departures to the USA only EU & a few extra countries like CH.
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Old 23.03.2018, 15:09
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Re: Interim Health Insurance

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EHIC does not cover departures to the USA only EU & a few extra countries like CH.
Ok, then I’m confused as to why the OP would have a different situation if they’re heading to Australia? Am I missing something obvious? (Happens more often than I’d like to admit...)
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Old 23.03.2018, 15:18
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Re: Interim Health Insurance

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Unless you can show your insured in your new country, I am amazed that your off the hook as the insurance is liable for the next 3 months as you have an EHIC card.
EHIC is of no concern, Australia is excluded.

OP chose a to early day to write herself out of Switzerland. And since the destination is Australia the insurance here will just stop regardless of what (if any) insurance she takes in Australia.

If the insurance does not want to extend, it would be best to take a short travel insurance with medical expenses included.
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Old 23.03.2018, 15:38
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Re: Interim Health Insurance

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EHIC is of no concern, Australia is excluded.

OP chose a to early day to write herself out of Switzerland. And since the destination is Australia the insurance here will just stop regardless of what (if any) insurance she takes in Australia.

If the insurance does not want to extend, it would be best to take a short travel insurance with medical expenses included.
Australia has to be the residence for insurance purposes as the insurance will repatriate the insured in the event of a major accident/illness. Holiday insurance is cheap & does not 'really' cover health only emergency & will do anything to reduce their costs.
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Old 23.03.2018, 22:40
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Re: Interim Health Insurance

Summary... I think.
To those who understand this matter better, would you correct me or elaborate? Thanks.

Whenever you decide to deregister from Switzerland, the rules for medical insurance are different fro
  • "departure from Switzerland to an EHIC country" (the EU countries, Switzerland, and another few European countries) and
  • "departure from Switzerland to a non-EHIC country (everywhere else).

If you are moving to an EHIC country,
you will have continuous medical cover beyond your date of deregistration from Switzerland. This will be through your Swiss medical insurance, which will cover you in Switzerland and in any EHIC country as a tourist, for up to 3 months after your departure date.
During this time, you must continue to pay your Swiss medical insurance premiums, but only until you can provide the Swiss medical insurance company with proof (an "exemption certificate") that you have have been accepted and registered in the medical insurance scheme of your new EHIC country.

If you are moving to a non-EHIC country,
simply give written notice to your Swiss medical insurance scheme. According to that notice period and the date by which are you are terminating the insurance, you can stop paying and you will also no longer be insured. That's that. You may not do this a long time in advance, because it is obligatory, while still registered in Switzerland, to have medical insurance. To avoid a gap in cover, try to make your date of deregistration identical with your true date of departure.

If you do have gaps, because you are leaving Switzerland and going to any non-EHIC country, the best you can do is buy tourist travel insurance. This, however, will cover you for emergencies only, and not for regular doctor's appointments. Even so, it can be well worth having, because it is not usually very expensive, but accidents and hospitalisation can be expensive, and because you may need an extra period of cover while you set up your new medical cover in your new non-EHIC country. If you include "repatriation" cover, you need to specify to which country you intend that repatriation, and be sure that the insurance will, in fact, cover the repatriation to there.

Any errors in the above, please?
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Old 23.03.2018, 23:10
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Re: Interim Health Insurance

Indeed, tourist travel insurance from an OZ insurer- can do on line, surely.
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Old 25.03.2018, 15:18
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Re: Interim Health Insurance

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If you are moving to a non-EHIC country,
[..]
If you do have gaps, because you are leaving Switzerland and going to any non-EHIC country, the best you can do is buy tourist travel insurance. This, however, will cover you for emergencies only, and not for regular doctor's appointments.
Swiss health insurers offer travel insurance, health insurance abroad as a tourist, and health insurance abroad as a foreign resident. The countries the insurance applies to, level of choice as well as type of cost covered, depends on the insurance. Just as with the mandatory health insurance you can chose a higher deductible to reduce costs.

The advantage may be the lack of a gap, especially if you buy the insurance from the same company you had while you were still a resident.
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Old 25.03.2018, 15:46
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Re: Interim Health Insurance

Urs Max, are the products to which you refer available for those leaving completely?

I had thought that those three were ways for people who ordinarily reside in Switzerland, and who will be outside of Switzerland only temporarily and then return, to have cover while they are away.
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Old 25.03.2018, 15:55
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Re: Interim Health Insurance

Why are you de-registering early ? why not make the de-registration dated on the day you leave - or even a day after...
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Old 25.03.2018, 21:24
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Re: Interim Health Insurance

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Urs Max, are the products to which you refer available for those leaving completely?

I had thought that those three were ways for people who ordinarily reside in Switzerland, and who will be outside of Switzerland only temporarily and then return, to have cover while they are away.
That probably depends on the insurer as I think it isn't covered by KVG (the law on mandatory health insurance). Though I've checked just two, KPT among them (see Leistungsübersicht, and Freiwillige Krankenversicherung in the linkded PDF), I see no reason to think KPT is alone with their products. KPT says about their health insurance that it's "the ideal basic insurance for persons who move residence abroad and are no longer subjected to [Swiss] mandatory health insurance".
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