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Old 11.07.2018, 21:25
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Health insurance question

My daughter is a uk student and as part of her degree course she is doing an industrial placement for 6 months in France. She lives and and does her placement in France but gets paid a small amount to cover her accommodation which is paid by swiss head office. She has now got letters saying she has to have swiss health insurance from March 18 and it has to be paid by 27th July 18. She has sent letters from the university and the company to say she is in France but they don't seem to have looked at these. She did spend one night in Switzerland as she was Ill and was rushed to hospital she had no idea where she had been taken at the time. She had treatment and they accepted her European health card the next day she was back in France.
Can anyone give me some legal advise when we try to contact them they say there is no English speakers and they send letters in German which we don't understand
I would be grateful for any advice. Thank you
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Old 11.07.2018, 21:36
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Re: Health insurance question

Who is sending these letters? If she's not resident in Switzerland she doesn't need Swiss health insurance.
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Old 11.07.2018, 22:08
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Re: Health insurance question

Get her to have the Swiss head office contact whatever commune is sending the letters and formally inform them that she is not resident and therefore is not required to have Swiss health insurance.

Note: I suspect that the commune of the Swiss head office thinks that she is a French Frontalier (cross-border daily commuter) working for the company. Recently, these type of workers have had to start paying for a policy to cover their healthcare in Switzerland; the rationale being that illness isn't just something that happens at home and regular employees who spend much of their waking hours in Switzerland shouldn't be treated as tourists under the European reciprocity agreements. If your daughter is actually working and living in France though, then this shouldn't apply.

I will say that if you need to sort this out yourself, then sending a registered letter will usually be more successful than a phone call in Switzerland. Having that traceable paper trail makes all the difference to the bureaucracy here.
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Old 11.07.2018, 22:24
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Re: Health insurance question

Thank you. The letters are being sent from gemeinsame einrichtung kvg
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Old 11.07.2018, 22:27
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Re: Health insurance question

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Thank you. The letters are being sent from gemeinsame einrichtung kvg
Weird. Here's one page of their website that's in English. Sounds like they're barking up the wrong tree, but how on earth would they get her info? GDPR and all that...

https://www.kvg.org/en/compulsory-in...--1--1034.html
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Old 11.07.2018, 22:28
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We have sent letters from the university and from the company but had no response to these. Would it be better to 're send them again. We thought it might because she gets a small payment from a swiss company that they were making her get the health insurance but does this not matter as long as she dosnt live or work there.

We think the only way they got her info when she was in a swiss hospital they filled out her information but didn't speak much English.

Last edited by 3Wishes; 12.07.2018 at 09:42. Reason: merging consecutive replies
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Old 11.07.2018, 22:32
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Re: Health insurance question

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We have sent letters from the university and from the company but had no response to these. Would it be better to 're send them again. We thought it might because she gets a small payment from a swiss company that they were making her get the health insurance but does this not matter as long as she dosnt live or work there.
Anyone know if this organization actually has any authority? ASitUS??

Edit - Have you sent registered letters?
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Old 11.07.2018, 22:37
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Re: Health insurance question

I would need to speak to.my daughter but I think they were sent by email. I'll try to ask her now
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Old 11.07.2018, 22:45
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Re: Health insurance question

Hi my daughter sent the letters only by email but she will get everything together again and send it registered. Thank you
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Old 11.07.2018, 23:11
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Re: Health insurance question

I'd send one letter explaining the situation with a copy of the France rental contract, and a copy of the placement contract and that you are not obligated to get Swiss insurance, and that you will not pay their bills due to this, if they feel otherwise tell them to go to court in which case you will file for travel and other expenses.

Don't let them make this your problem.
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Old 11.07.2018, 23:18
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Re: Health insurance question

Thank you for your advice I will tell her to add the rental contract and the university placement agreement to the documents to be sent. Please keep the advise coming
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Old 11.07.2018, 23:33
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Re: Health insurance question

Does anyone know because she gets some payment for rent and expenses from the swiss head office would this make her liable to have to pay swiss health insurance. As I said she does not work or live in Switzerland but In France. Thank you
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Old 12.07.2018, 07:12
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Re: Health insurance question

No, only residents of Switzerland are required to have Swiss health insurance.
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Old 12.07.2018, 08:49
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Re: Health insurance question

She may well be getting the reminders if she's still registered as a Swiss resident. Did she de-register from the commune before moving? If not, she'll be considered as still resident here and liable for health insurance.
If she does de-register, you need to advise the commune she'll be back again, or else she may have problems with her permit.
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Old 12.07.2018, 08:52
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Re: Health insurance question

If she receives money from a Swiss employer - you write Swiss head office - than the Gemeinsame Einrichting sees that as Swiss employment. For that reason she is under the bilateral Agreement required to have Swiss health insurance. She can request exemption within the first three months of starting this employment in France. If she received the money from the French employer, then she has nothing to do with Switzerland. Her residency in France doesn't matter, as it's where the money comes from - Switzerland.
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Old 12.07.2018, 09:22
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Re: Health insurance question

Residence is what matters, otherwise Italian frontaliers would have to pay Swiss insurance, which they don't.

Tom
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Old 12.07.2018, 09:34
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Re: Health insurance question

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If she receives money from a Swiss employer - you write Swiss head office - than the Gemeinsame Einrichting sees that as Swiss employment. For that reason she is under the bilateral Agreement required to have Swiss health insurance. She can request exemption within the first three months of starting this employment in France. If she received the money from the French employer, then she has nothing to do with Switzerland. Her residency in France doesn't matter, as it's where the money comes from - Switzerland.

What utter rubbish !
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Old 12.07.2018, 11:04
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Re: Health insurance question

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What utter rubbish !
Which part? See here.

Since the question has been raised:They're legit. Some Cantons use the services of "Gemeinsame Einrichtung KVG" to evaluate whether a person is required to have mandatory health service.

OP, they're probably still trying to establich if your daughter does indeed have to have Swiss mandatory health insurance because she failed to file the form within 3 months, see "Exercise of option right with France" in the link above. You may still be able to get them to accept your late filing (usually a number of days would be mentioned if there was no leeway) but your daughter needs to hurry.
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Old 12.07.2018, 11:39
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Re: Health insurance question

"My daughter is a uk student and as part of her degree course she is doing an industrial placement for 6 months in France. She lives and and does her placement in France but gets paid a small amount to cover her accommodation which is paid by swiss head office."

So, she is living and working in France, but is paid by a Swiss company. Thus, she is not a cross-border worker, which is what your link refers to.

Tom
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Old 12.07.2018, 12:25
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Re: Health insurance question

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Which part? See here.

Since the question has been raised:They're legit. Some Cantons use the services of "Gemeinsame Einrichtung KVG" to evaluate whether a person is required to have mandatory health service.

OP, they're probably still trying to establich if your daughter does indeed have to have Swiss mandatory health insurance because she failed to file the form within 3 months, see "Exercise of option right with France" in the link above. You may still be able to get them to accept your late filing (usually a number of days would be mentioned if there was no leeway) but your daughter needs to hurry.
She never was obliged to send anything to the healthcare so she cannot have failed on that.

This is about an English woman, living and working in France. Somebody in Switzerland is just incredible messing up things, and now father and daughter try to solve this, but run into the Swiss bureaucracy and cannot even get somebody on the phone who speaks their language which is why he made an account here to ask for help.

Besides that, the posting is wrong in more ways, it does for example not matter where the money comes from.
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