Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 20.04.2019, 09:48
Newbie 1st class
 
Join Date: Jan 2016
Location: Zug
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 1 Post
RASZ has no particular reputation at present
health insurance situation living in Italy, working in Switzerland

Hello

Does anyone know how it works with health insurance when living in Italy but working in Lugano?

Do I pay for compulsory Swiss health insurance? Would my Swiss insurance cover me in Italy? If I had to see a doctor, which country would I go to?

Also what about my family dependants? Would they need Italian health insurance in Italy as well, or would I just get them added to my Swiss health insurance policy? Again, where would we go for medical treatment and how does that work?

Many thanks for letting me know.

RASZ
Reply With Quote
  #2  
Old 20.04.2019, 12:37
Forum Legend
 
Join Date: Mar 2016
Location: Leimbach, Zürich
Posts: 5,032
Groaned at 294 Times in 231 Posts
Thanked 5,454 Times in 2,770 Posts
EdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond repute
Re: health insurance situation living in Italy, working in Switzerland

You get to choose if you want to be insured here or not.

https://www.bag.admin.ch/bag/en/home...rinnen-ch.html

Also you would just find a doctor close to your home in Italy, and only in a case of emergency visit Swiss healthcare providers.
Reply With Quote
The following 2 users would like to thank EdwinNL for this useful post:
  #3  
Old 20.04.2019, 12:42
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,232
Groaned at 1,623 Times in 1,248 Posts
Thanked 30,404 Times in 14,512 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: health insurance situation living in Italy, working in Switzerland

All of the cross-border workers residing in Italy that I know, including a few Swiss, have Italian health insurance.

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
  #4  
Old 20.04.2019, 15:25
Newbie 1st class
 
Join Date: Jan 2016
Location: Zug
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 1 Post
RASZ has no particular reputation at present
Re: health insurance situation living in Italy, working in Switzerland

Dear Edwin NL

Thanks for the link -that's really useful.

Do you know that if you decide to continue with the Swiss insurance, how that works in practice? I mean, if you went to a doctor in Italy, would that be covered by the Swiss insurance?

Presumably the Italian health insurance would not cover cases in Switzerland, unless an emergency?

Also do you know if it is ok to come to Switzerland on say a 'L' or 'B' permit and sign up for health insurance like Assura and then after say 8 months move to Italy? From a health insurance perspective, could you just continue with the Swiss insurance? Or, if you decided to live in Italy and get Italian health insurance is that ok or is there a minimum term you have to have Swiss health insurance? If you moved to Italy in the first year (which we plan to do perhaps), would you have to pay back your Swiss health insurance?

I would be grateful for your thoughts.

Many thanks

RASZ
Reply With Quote
  #5  
Old 20.04.2019, 17:01
roegner's Avatar
Forum Legend
 
Join Date: May 2011
Location: Zurich
Posts: 8,310
Groaned at 294 Times in 241 Posts
Thanked 8,935 Times in 4,523 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: health insurance situation living in Italy, working in Switzerland

Quote:
View Post
Dear Edwin NL

Thanks for the link -that's really useful.

Do you know that if you decide to continue with the Swiss insurance, how that works in practice? I mean, if you went to a doctor in Italy, would that be covered by the Swiss insurance?

Presumably the Italian health insurance would not cover cases in Switzerland, unless an emergency?

Also do you know if it is ok to come to Switzerland on say a 'L' or 'B' permit and sign up for health insurance like Assura and then after say 8 months move to Italy? From a health insurance perspective, could you just continue with the Swiss insurance? Or, if you decided to live in Italy and get Italian health insurance is that ok or is there a minimum term you have to have Swiss health insurance? If you moved to Italy in the first year (which we plan to do perhaps), would you have to pay back your Swiss health insurance?

I would be grateful for your thoughts.

Many thanks

RASZ
You can get a L/B permit and then move to Italy, you would still have to change that for a G permit.

If you live in Switzerland, you have to have Swiss insurance. If you live in Italy and work in Switzerland, you can choose which one you want.

AFAIK going to a doctor in a different country than the one of your insurance only covers emergencies. Unless you have agreed with your insurer beforehand that they will cover whatever needs to be done abroad.
Reply With Quote
  #6  
Old 21.04.2019, 00:50
Newbie 1st class
 
Join Date: Jan 2016
Location: Zug
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 1 Post
RASZ has no particular reputation at present
Re: health insurance situation living in Italy, working in Switzerland

Quote:
View Post
You can get a L/B permit and then move to Italy, you would still have to change that for a G permit.

If you live in Switzerland, you have to have Swiss insurance. If you live in Italy and work in Switzerland, you can choose which one you want.

AFAIK going to a doctor in a different country than the one of your insurance only covers emergencies. Unless you have agreed with your insurer beforehand that they will cover whatever needs to be done abroad.

Many thanks for the clear response.

The issue is that we will need to access healthcare insurance straight away for my wife for some urgent and important healthcare needs. If we decided as UK nationals to find a place to live in Italy, would the compulsory healthcare required for Switzerland cover us straight away under a G-permit?

I know we won't be able to access the Italian insurance until we had a residency status in Italy which we would need to apply for and that would take time we don't have.

I have been told by a Swiss insurance broker who we used when we last lived in Switzerland, that if we move to Switzerland in the summer we would be covered by health insurance as soon as we register our work permit (presumably 'B' or 'L') at the local gemeinde/authority. Would this in principal work with a G-permit, even though we were not living in Switzerland?

Presumably the Swiss insurance under a G-permit would cover us in Switzerland for Swiss healthcare?

Do you know anywhere I can speak to about this to get their confirmation?

Many thanks again

RASZ
Reply With Quote
  #7  
Old 21.04.2019, 01:48
Newbie 1st class
 
Join Date: Jan 2016
Location: Zug
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 1 Post
RASZ has no particular reputation at present
'G' Permit and Health Insurance

Hi everyone

I found two dated threads on this but the information was not relevant to me, so starting a new thread.

I am a UK national have been offered a position in Lugano for August 2019. We would like to live just across the border in Italy. We lived in Switzerland previously which is why we are returning.

I understand that I would need to take out compulsory health insurance in Switzerland for me and my family. My employer will provide this for me and we will pay some additional premiums for my family. My employer will issue an 'L' permit, possibly a 'B' permit which we had before. We are due to arrive in Italy/Lugano in July 2019 and my contract start date is August 2019. We would like the Swiss health insurance to begin immediately.

The issue is that we will need to access healthcare insurance straight away for some urgent and important healthcare needs.

Very grateful for any thoughts on these questions:

1.If we found a place to live in Italy, would the compulsory healthcare required for Switzerland cover us straight away under a G-permit?

2. When will the Swiss medical insurance become active? Is it the date of the employment contract? Or can it be once we register the work permit in Switzerland in July 2019? We want to activate it as soon as we arrive in July 2019 as we have medical needs.

3. Presumably I still need to register my Swiss 'L' or'B' work permits in Switzerland at the Gemeinde? Where do I do this if I live in Italy?

4. Would it be necessary to change the 'L' or 'B' for a 'G' permit? Would this be exchanged automatically? What would be the process for changing? When would this happen? Can we still access medical services during this time?

5. Are there any limitations with using health insurance in a 'G' permit? I mean, will we be able to access hospitals in Switzerland in the same way as a person living in Switzerland as we previously did? Presumably the Swiss insurance under a G-permit would cover us in Switzerland for Swiss healthcare?

6. I have been told by a Swiss insurance broker who we used when we last lived in Switzerland, that if we move to Switzerland in the summer we would be covered by health insurance as soon as we register our 'B' or 'L' work permit at the local gemeinde/authority. Would this in principal work with a G-permit, even though we were not living in Switzerland?

7. Do you know anywhere I can speak to about this to get their confirmation?

I know we won't be able to access the Italian insurance until we had a residency status in Italy which we would need to apply for and that would take time we don't have.

Sorry for all the questions but quite urgent.

Many thanks again

RASZ
Reply With Quote
  #8  
Old 21.04.2019, 07:16
Forum Legend
 
Join Date: Mar 2009
Location: Zurich
Posts: 11,461
Groaned at 633 Times in 467 Posts
Thanked 15,327 Times in 6,004 Posts
Chuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond repute
Re: 'G' Permit and Health Insurance

It seems all of these questions can be answered by:

1. Speaking to the insurance broker (for the insurance stuff)
2. Speaking to the Swiss migrations department (for the permit stuff)
Reply With Quote
  #9  
Old 21.04.2019, 08:29
roegner's Avatar
Forum Legend
 
Join Date: May 2011
Location: Zurich
Posts: 8,310
Groaned at 294 Times in 241 Posts
Thanked 8,935 Times in 4,523 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: health insurance situation living in Italy, working in Switzerland

Quote:
View Post

I have been told by a Swiss insurance broker who we used when we last lived in Switzerland, that if we move to Switzerland in the summer we would be covered by health insurance as soon as we register our work permit (presumably 'B' or 'L') at the local gemeinde/authority. Would this in principal work with a G-permit, even though we were not living in Switzerland?
You need to apply for a insurance and you will be covered retroactively to the first day you applied for a permit. Why doesn´t your wife have all this done where you are now and she joins you later? Seems much easier to me.
Reply With Quote
This user would like to thank roegner for this useful post:
  #10  
Old 21.04.2019, 13:09
Forum Legend
 
Join Date: Mar 2016
Location: Leimbach, Zürich
Posts: 5,032
Groaned at 294 Times in 231 Posts
Thanked 5,454 Times in 2,770 Posts
EdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond repute
Re: 'G' Permit and Health Insurance

Quote:
View Post
I understand that I would need to take out compulsory health insurance in Switzerland for me and my family. My employer will provide this for me and we will pay some additional premiums for my family. My employer will issue an 'L' permit, possibly a 'B' permit which we had before. We are due to arrive in Italy/Lugano in July 2019 and my contract start date is August 2019. We would like the Swiss health insurance to begin immediately.
- Employers don't issue permits, the government does.
- If you do not live in Switzerland you can't get an L or B permit.
- You must apply for a G permit as a cross border worker.
- Does your employer know you will live in Italy?
Quote:

The issue is that we will need to access healthcare insurance straight away for some urgent and important healthcare needs.

Very grateful for any thoughts on these questions:

1.If we found a place to live in Italy, would the compulsory healthcare required for Switzerland cover us straight away under a G-permit?
Ask them, and start signing up before you make the move.
Quote:

2. When will the Swiss medical insurance become active? Is it the date of the employment contract? Or can it be once we register the work permit in Switzerland in July 2019? We want to activate it as soon as we arrive in July 2019 as we have medical needs.
Ask them, and start signing up before you make the move.
Quote:

3. Presumably I still need to register my Swiss 'L' or'B' work permits in Switzerland at the Gemeinde? Where do I do this if I live in Italy?
You register residency at the local Italian downhill, and apply for a G in Switzerland.
Quote:

4. Would it be necessary to change the 'L' or 'B' for a 'G' permit? Would this be exchanged automatically? What would be the process for changing? When would this happen? Can we still access medical services during this time?
Once again, you will not get an L or B permit.
Quote:

5. Are there any limitations with using health insurance in a 'G' permit? I mean, will we be able to access hospitals in Switzerland in the same way as a person living in Switzerland as we previously did? Presumably the Swiss insurance under a G-permit would cover us in Switzerland for Swiss healthcare?
Ask them, and start signing up before you make the move. However the basic insurance is equal to those living in Switzerland.
Quote:

6. I have been told by a Swiss insurance broker who we used when we last lived in Switzerland, that if we move to Switzerland in the summer we would be covered by health insurance as soon as we register our 'B' or 'L' work permit at the local gemeinde/authority. Would this in principal work with a G-permit, even though we were not living in Switzerland?
STart signing up early, you are not forced to take an insurance in Switzerland so I am not sure about backdating.
Quote:

7. Do you know anywhere I can speak to about this to get their confirmation?
Take up contact with your new employer and ask if they can provide more help, or can advice you a professional to help you with this.
Quote:

I know we won't be able to access the Italian insurance until we had a residency status in Italy which we would need to apply for and that would take time we don't have.
You also need an Italian residence before you will get a G permit.
Quote:

Sorry for all the questions but quite urgent.

Many thanks again

RASZ
Hire somebody to help you.
Reply With Quote
This user would like to thank EdwinNL for this useful post:
  #11  
Old 21.04.2019, 13:58
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,232
Groaned at 1,623 Times in 1,248 Posts
Thanked 30,404 Times in 14,512 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: 'G' Permit and Health Insurance

Quote:
View Post
3. Presumably I still need to register my Swiss 'L' or'B' work permits in Switzerland at the Gemeinde? Where do I do this if I live in Italy?
You don't, L and B permits are only for Swiss residents, and in any case THEY register YOU (and provide the permits), not the other way around.

If your employer gets you a L or B permit, you cannot live in Italy.

For a G pemit, you must be an Italian resident, so you first must deal with the Italians (loads of fun...NOT!)

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Health Insurance for corss-border workers (living in France working in Basel) freiburger Insurance 3 13.02.2019 11:13
Working in Switzerland, Living in Italy (20km frontier zone question). uluru Finance/banking/taxation 25 21.08.2012 17:03
Living and working in Switzerland for an EU-based company - health insurance advice? kestrel99 Insurance 14 30.07.2012 15:45
Health insurance in living in France but working in Switzerland dottie Insurance 4 24.05.2012 19:39
Health Insurance -working in Switzerland but living in Germany Spagirl Insurance 2 20.03.2009 09:28


All times are GMT +2. The time now is 09:29.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0