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  #81  
Old 16.08.2018, 23:11
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Re: Health insurance for tourists - inadequate coverage

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...Sign nothing, agree to nothing until you Get legal advise ASAP,
I wholeheartedly agree with this. Find out what the hospital is offering you in terms of payment plan or whatever, get copies of anything they want you to sign, and then say thanks we'll be in touch and get an attorney involved.

Best wishes to you, what a sad and scary position to be in.
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  #82  
Old 17.08.2018, 00:30
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Re: Health insurance for tourists - inadequate coverage

A very difficult decision indeed, hope all goes well.

Why the groan leman- he is the son and as the OP said 'I would not be the one signing this form, but they asked my husband to sign it (which is the son of the deceased).' - so they should be dealing with him, at at least, both together.
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  #83  
Old 17.08.2018, 00:33
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Re: Health insurance for tourists - inadequate coverage

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A very difficult decision indeed, hope all goes well.

Why the groan leman- he is the son and as the OP said 'I would not be the one signing this form, but they asked my husband to sign it (which is the son of the deceased).' - so they should be dealing with him, at at least, both together.
Nobody has signed a form from the hospital yet, and OP has declared financial responsibility in the invitation letter and she is the one earning the money in the family, so she is more than a perfect fit to go to that talk on her own.

Last edited by EdwinNL; 17.08.2018 at 01:01.
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  #84  
Old 17.08.2018, 00:57
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Re: Health insurance for tourists - inadequate coverage

A perfect summary, edwin
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  #85  
Old 17.08.2018, 11:22
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Re: Health insurance for tourists - inadequate coverage

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Ehm...I signed on the invitation letter (the one that was provided to the embassy). I did sign on that because I am the one earning.

Oh gosh...it looks like such a mess ahah
I believe Invitation letter and Sponsorship letter are two different things. What did you exactly write in invitation letter ?
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  #86  
Old 17.08.2018, 11:34
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Re: Health insurance for tourists - inadequate coverage

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I believe Invitation letter and Sponsorship letter are two different things. What did you exactly write in invitation letter ?


This is the beginning of the letter. After this, I mentioned their details and ending up saying where I work and that we would be happy if they would give them the visa. Now reading the sentence "they are in good health" sounds strange, but anyway that's what I believed...


I am writing to you with reference to support Visitor Visa Application of my parents-in-law. They would like to visit Switzerland and stay with our family for three months. They are in good health and capable of doing things on their own. Please note that they do not have any intention to settle in Switzerland permanently.

I am confirming that I will provide them food, accommodation and support any other expenses.


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  #87  
Old 17.08.2018, 14:01
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Re: Health insurance for tourists - inadequate coverage

Meeting done! Phew....I can finally breathe again I will let you guys know more after my lunch break.
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  #88  
Old 17.08.2018, 15:51
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Re: Health insurance for tourists - inadequate coverage

So, here I am. I had the meeting with this lovely lady, a very empathic person, so already with this i've been very lucky. I clearly and very honestly told her about my financial situation and I even shared some evidence to proof it (my tax declaration, bank account, FIL's pension). She really appreciated my honesty and transparency and therefore was very cooperative and she's clearly trying to find the best solution possible for us.

What will be done now is that I will pay the 30K and I will write down a letter about our personal situation mentioning all the costs that we paid (because remember, I also had to pay the costs for the funeral and before coming to this hospital, we brought MIL to another hospital closer to home and she was transported here with the ambulance, so I also had to pay their bill, which was less of course, but still...).

Thereafter, the hospital will send a reminder (Mahnung) to FIL in his home Country and if he's not able to pay, they will send a second reminder and then the Dept. in charge of foreign debts collection (Auslandsinkasso) will be involved. And then she said we will see what this dept will tell us, i.e. if it is possible or not to get money from FIL's home Country. It will take some months. The lady told me that she will proceed in this way because she doesn't want that a young family as mine gets the debts enforcements (Betreibungen)

The lady will keep me informed about all the steps, so I should at least know more or less what is going on. Oh yes, I was not asked to sign anything .

What do you think? I know it clearly depends on one's financial situation, but I think I can be considered an average case: a simple family with a common office job living in an apartment and no other assets apart our car.
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  #89  
Old 17.08.2018, 16:03
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Re: Health insurance for tourists - inadequate coverage

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she's clearly trying to find the best solution possible for us.
No she isn't!!!! she works for a company trying to get a bill paid, forget what the bill is for, and what the company does - that doesn't matter.

Her no.1 priority is to her employer, not you!!

Did you get proper legal advise??
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  #90  
Old 17.08.2018, 16:15
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Re: Health insurance for tourists - inadequate coverage

The plan is to talk to the lawyer on Monday.
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  #91  
Old 17.08.2018, 16:23
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Re: Health insurance for tourists - inadequate coverage

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The plan is to talk to the lawyer on Monday.
you really shouldn't have spoken to her or shown her anything until after monday then.
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  #92  
Old 17.08.2018, 16:25
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Re: Health insurance for tourists - inadequate coverage

I know exactly what I showed to her....it's not that I brought the first paper I got in my hand.
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  #93  
Old 17.08.2018, 16:26
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Re: Health insurance for tourists - inadequate coverage

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So, here I am. I had the meeting with this lovely lady, a very empathic person, so already with this i've been very lucky. I clearly and very honestly told her about my financial situation and I even shared some evidence to proof it (my tax declaration, bank account, FIL's pension). She really appreciated my honesty and transparency and therefore was very cooperative and she's clearly trying to find the best solution possible for us.

What will be done now is that I will pay the 30K and I will write down a letter about our personal situation mentioning all the costs that we paid (because remember, I also had to pay the costs for the funeral and before coming to this hospital, we brought MIL to another hospital closer to home and she was transported here with the ambulance, so I also had to pay their bill, which was less of course, but still...).

Thereafter, the hospital will send a reminder (Mahnung) to FIL in his home Country and if he's not able to pay, they will send a second reminder and then the Dept. in charge of foreign debts collection (Auslandsinkasso) will be involved. And then she said we will see what this dept will tell us, i.e. if it is possible or not to get money from FIL's home Country. It will take some months. The lady told me that she will proceed in this way because she doesn't want that a young family as mine gets the debts enforcements (Betreibungen)

The lady will keep me informed about all the steps, so I should at least know more or less what is going on. Oh yes, I was not asked to sign anything .

What do you think? I know it clearly depends on one's financial situation, but I think I can be considered an average case: a simple family with a common office job living in an apartment and no other assets apart our car.
Are you paying the 30k and they are going after the FIL's estate for the remainder?
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  #94  
Old 17.08.2018, 16:33
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Re: Health insurance for tourists - inadequate coverage

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I know exactly what I showed to her....it's not that I brought the first paper I got in my hand.
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my tax declaration, bank account, FIL's pension
Yep, everything she needed. They are not on your side, they want paying as quickly and easily as possible, be that from you, from your FIL, a bit from each. of course she's being nice to you when there is 30k on the table.
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Old 17.08.2018, 16:35
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Re: Health insurance for tourists - inadequate coverage

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Are you paying the 30k and they are going after the FIL's estate for the remainder?
the way I read it was 30k from op, then it gets passed to another dept to chase FIL, if FIL doesn't pay they'll be knocking on ops door quick smart.
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  #96  
Old 17.08.2018, 16:37
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Re: Health insurance for tourists - inadequate coverage

general question, can companies go after your pension here? pillar 2+3??
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  #97  
Old 17.08.2018, 16:38
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Re: Health insurance for tourists - inadequate coverage

Yes. At the end there is a bill and it's not that I can simply say we are not gonna pay it...they also have to proof that everything was done in order to try to get the money. If FIL will be in the position of paying the bill, he will, or else he won't. At that point the social assistance gets involved.
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  #98  
Old 17.08.2018, 16:46
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Re: Health insurance for tourists - inadequate coverage

If they will get back to me...I still have another option: to pay the bill in little instalments such as Sfr. 100.- per month without the whole amount to be increased with interests.
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Old 17.08.2018, 16:50
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Re: Health insurance for tourists - inadequate coverage

Is the FIL's home country a secret? I mean it probably makes a difference whether it is Canada or Burundi (random choice, random choice!)

Why is it the Swiss social system that must kick in? How about the home-country's one?

OP, while I agree that a person chasing the money at the hospital can be nice and look for the best solution for all involved, in the end the main aim is to get the money (and there is nothing wrong with that).
You seriously should not pay anything before you talked to your lawyer and s/he gave the okay to do so.

Try to enjoy the week-end
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Old 17.08.2018, 16:55
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Re: Health insurance for tourists - inadequate coverage

No, of course it's not a secret...let's say it's more Burundi than Canada.
It's just that there is an ongoing "case" and i'm a little afraid of sharing everything in public . I try to remain vague as much as possible.
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