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Old 02.05.2018, 16:41
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Swiss Health Insurance

Hey all so I have a question in regards to health insurance.

So I have been living in Switzerland from May of last year started working in the end of August on a 6 month Internship which gave me a L permit. At that point I did not need health insurance as I was only on a L permit and my European Health Card was fine. In March this year my internship finished and I was given a contract at 50% with my company that then put me on a B permit as the contract is continues. I have recently been looking for health insurance this week as this is the last of my 3 month back date since starting my contract. While looking for quotes I noticed I was never asked my salary income which I feel seems a bit unfair as I am only working at 50% and my salary is quite low on Swiss standards. My question is does anyone know if I am able to get my insurance cheaper due to the fact I am only working at 50%?

Thanks!
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Old 02.05.2018, 16:49
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Re: Swiss Health Insurance

No.

You can get some support on your health insurance cost though. Whether that could have an impact later on on your permit renewal I am not sure
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Old 02.05.2018, 18:50
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Re: Swiss Health Insurance

A cheaper alternative would be to wait until just after 3 months and then contract insurance. It will no longer be backdated 3 months that way, but you can only claim reimbursement for medical bills from that day on.

The insurance company will then be in its right to charge you a 'fine', separate to your monthly premiums, which is between 30% and 50% of your gross monthly premium. The length of the fine lasts for double the number of days you were late to sign up (so in your case double 30 days * 3 months = 180 days approx).

If as you say you're not earning a lot, I would suggest contesting the fine claiming it puts you in financial trouble. You can submit proof of how much you're earning and it will be up to the insurance company to decide whether to charge you less than 30% as the fine, who knows you might get lucky and they may forget the fine altogether!

It is all explained in this article:

https://www.admin.ch/opc/de/classifi.../index.html#a8
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Old 02.05.2018, 18:57
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Re: Swiss Health Insurance

The below website could also help to get a snapshot of all premiums and sort them by price depending on deductible for mandatory basic insurance.


https://www.priminfo.admin.ch/de/praemien
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Old 02.05.2018, 19:00
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Re: Swiss Health Insurance

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A cheaper alternative would be to wait until just after 3 months and then contract insurance. It will no longer be backdated 3 months that way, but you can only claim reimbursement for medical bills from that day on.
Always thought that your Gemeinde would apply for your insurance if you do not show having one within 3 months
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Old 02.05.2018, 19:09
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Re: Swiss Health Insurance

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Always thought that your Gemeinde would apply for your insurance if you do not show having one within 3 months
Technically the cantonal health insurance authority are in their right to do this, but most likely they will be understanding, I think the whole of Switzerland has had enough of these crazy premiums for a long time.

OP: it certainly doesn't hurt to call to say you're looking around for insurance packages being very nice and respectful. Maybe pay them a visit to have your case known and give them some traditional shortbread en passant.
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Old 02.05.2018, 19:11
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Re: Swiss Health Insurance

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Technically the cantonal health insurance authority are in their right to do this, but most likely they will be understanding, I think the whole of Switzerland has had enough of these crazy premiums for a long time.
Then never move to a country where your premium is linked to your income!
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Old 02.05.2018, 20:46
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Re: Swiss Health Insurance

Okay thanks for all the responses.

In regards to not paying before the 3 month mark and possibly being able to not have to pay it at all sounds pretty good 😂 but then again would I not be right by saying their still the possibility of getting a fine at 50% of the monthly premium for 180 days ?
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Old 02.05.2018, 21:36
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Re: Swiss Health Insurance

Yes, you are right, that possibility exists.

But, 50% of 180 days (i.e. the worst case scenario) is 3 months worth of premiums, which exactly equals the amount of premiums if they back date.

By taking the gamble you're better of than in base case of having to pay 3 months back dated because there is the chance of you having to pay 30% of 180 days (i.e. 1.8 months instead of 3), or if you're really lucky nothing at all.
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Old 02.05.2018, 21:38
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Re: Swiss Health Insurance

Okay , Great information.

Thanks Mohmal 👍
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Old 03.05.2018, 10:30
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Re: Swiss Health Insurance

Do look around for the cheapest health insurance you can find, and don't go for "complementary" insurance if you're healthy in your 20s.

I was able to get mine as low as 250,- CHF in Vaud.
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Old 07.05.2018, 14:52
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Re: Swiss Health Insurance

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Okay , Great information.

Thanks Mohmal 👍
Gaming the system can be rather expensive and cost significantly more than you potentially save even if it looks like it won't.

Looking forward to your cry for help on here.
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Old 07.05.2018, 16:13
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Re: Swiss Health Insurance

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Gaming the system can be rather expensive and cost significantly more than you potentially save even if it looks like it won't.

Looking forward to your cry for help on here.
Lol if I only told you the number of people I know doing this successfully, especially Swiss people previously living abroad who are returning. Newcomers are less likely to be aware hence my helping hand.

Nothing about this is gaming the system, there is a reason this precise article exists in the law.

I know it sucks that you had to pay 3 months backdated for nothing but don't take it out on me.
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Old 07.05.2018, 17:55
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Re: Swiss Health Insurance

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Gaming the system can be rather expensive and cost significantly more than you potentially save even if it looks like it won't.

Looking forward to your cry for help on here.
Doubt very much I will be crying for help ��
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Old 07.05.2018, 19:56
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Re: Swiss Health Insurance

To answer your original question, yes, there are health insurance subsidies available for people on a low income. I had this help for some years when I was unable to work for health issues. I applied at my commune office.

As others have said, this may impact on your permit renewal.

And I don't know what they would think of you applying for this help having attempted whatever kind of playing with the rules some previous posters have been suggesting.
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Old 19.06.2018, 07:48
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Re: Swiss Health Insurance

When will it end. The basic insurance costs are expected to rise by 4%.

https://www.bluewin.ch/de/news/schwe...nt-114606.html
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Old 19.06.2018, 08:45
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Re: Swiss Health Insurance

Also note that you being on an L permit did not exempt you from getting health insurance cover. Once you registered your EU health card became invalid, it doesn't matter what type of permit you had. Swiss health cover starts from the day you register, even if you haven't arranged the insurance yet. That's why, if you do need medical attention before your covered is arranged, you can later claim back any expenses from that period. So be grateful any fine wasn't backdated to August.
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Old 19.06.2018, 09:18
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Re: Swiss Health Insurance

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as low as 250,- CHF
Still a bit paradoxical to me
But yes, that's the cheapest you can get in Vaud.
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Old 19.06.2018, 14:23
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Re: Swiss Health Insurance

Actually not. I have already sorted my insurance out now. Initially the company did try and back date charges from when I was on my L permit but all I had to do was take a photocopy of when my B permit started and explained I was using my European health card whilst on my L permit and they responded by taking the back dated charges off. In actual fact I didn’t even get charged for March and April while my B permit started in March and I registered my health insurance just before the 3 month mark at the end of May.
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Old 19.06.2018, 14:51
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Re: Swiss Health Insurance

All I can say is you're bloody lucky they backed down. They were pefectly within their rights to charge you back to August since the EHIC card is only for tourists and emergency treatment. Once you registered you were no longer a tourist so the card became invalid.
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