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Old 15.07.2008, 22:10
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Insurance back-payments to date of arrival

Hi everyone,

I've read on multiple threads that you need to pay insurance starting from your date of arrival.

What I'd like to know is how they know what your date of arrival is. I am NOT trying to beat the system. I arrived on my Swiss passport from Canada and travelled around a lot and now will move permenantly to Switzerland. But as I arrived on my Swiss passport I have no stamps or proof of when I entered.... when I register with the canton and buy health insurance... what do I do? Just tell them when I arrived? Or will they ask for more?
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Old 15.07.2008, 22:26
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Re: Insurance back-payments to date of arrival

"Date of arrival" is the date when you register at the town-hall (Gemeinde/commune).
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Old 15.07.2008, 22:29
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Re: Insurance back-payments to date of arrival

I've been told that in order to register I need to have proof of health insurance????????
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Old 15.07.2008, 22:36
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Re: Insurance back-payments to date of arrival

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I've been told that in order to register I need to have proof of health insurance????????
Catch 22? Tell the commune that you will get the insurance arranged and inform the commune the policy details within a week.
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Old 15.07.2008, 23:03
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Re: Insurance back-payments to date of arrival

I found this on the comparis website and have seen it on other official swiss sites too:

Residents' Registration Office
After arrival in Switzerland, you must register with your local area office within eight days (if you begin work before this, you must register prior to starting work).
Necessary documents:
Valid proof of identity (for yourself and each family member)
Proof of health insurance (compulsory basic health insurance)
1 passport photo (of yourself and each family member)
Civil status documents (e.g. marriage certificate, birth certificate of children under the age of majority, etc.)
Contract of employment


and yet 3 months to take out insurance???

definately a catch 22.

Do you know if the commune will ask me to prove when I entered?
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Old 16.07.2008, 06:58
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Re: Insurance back-payments to date of arrival

I don't think that proof of health insurance is a condition of registering with the Commune. As it's compulsory they want to check up that you have it. So I don't think there's a catch 22. I think you can register there without health insurance but once you have it you should send them copies of the confirmation of cover. My Commune chased me after a year because I didn't do that. As far as the health insurance is concerned, why not speak to the company you select, explain the situation and I'm sure they'll tell you what to do as far as date of entry for their purposes. It may be they will be happy simply if you enter the date of your actual arrival. I'm sure that's all I did - I just entered the dates we arrived, which was different from the date on my B permit.
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Old 16.07.2008, 11:21
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Re: Insurance back-payments to date of arrival

I never paid for the first 4 months until I got insurance - No issue No back-pay required!!!!
maybe I was just lucky
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Old 16.07.2008, 11:39
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Re: Insurance back-payments to date of arrival

thanks everyone, I went to register today, and just filled out the form...put the date of arrival, and told them I would get back to them about insurance...all the late night worrying and researching for nothing! I got a copy of the form so I can show the insurance companies the date of arrival, and I hope that is all I will need. now to start the fun process of picking an insurance company.......
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Old 20.08.2008, 17:52
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Re: Insurance back-payments to date of arrival

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I've been told that in order to register I need to have proof of health insurance????????
From my case, yes, they made a copy of my insurance card from Sweden, and I guess, later on, the insurance company will charge me from the date of my registration, right? Double charged, I don't get it.

....
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Old 20.08.2008, 18:08
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Re: Insurance back-payments to date of arrival

I didn't have health insurance for the first 4 months, primarily because I was too lazy to get it sorted. Eventually I sat down with an insurance broker and as we were filling in the forms he said "date of commence... "July.
Errr, but I've been here since March, he gave me a long hard look and said again, "July".

He was probably thinking 'you're a dumb foreigner, so act like one'
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Old 20.08.2008, 18:57
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Re: Insurance back-payments to date of arrival

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I didn't have health insurance for the first 4 months, primarily because I was too lazy to get it sorted. Eventually I sat down with an insurance broker and as we were filling in the forms he said "date of commence... "July.
Errr, but I've been here since March, he gave me a long hard look and said again, "July".

He was probably thinking 'you're a dumb foreigner, so act like one'
So it is lucky or? As I read from this forum, a lot of people have to pay from the date of entry.

Tricky..... begin to feel dizzy in CH....
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