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Old 17.10.2019, 12:11
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Would I be covered for health insurance?

Hello,

I arrived to Switzerland on 19.07.19. I am registered with the commune that I live in, although, I have not received my permit yet; therefore, insurances companies have said that I cannot take out health insurance until I receive my permit. Even though I am not insured with a company yet and have to back pay when I do get insured, would I be considered covered right now?

If I am not covered, is there anything I may be able to provide the insurance company with to get insurance without the permit?
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Old 17.10.2019, 12:15
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Re: Would I be covered for health insurance?

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Hello,

I arrived to Switzerland on 19.07.19. I am registered with the commune that I live in, although, I have not received my permit yet; therefore, insurances companies have said that I cannot take out health insurance until I receive my permit.
Which companies have said that to you? We had our medical insurance in place 3mths before my OH received his permit because we arrived in Nov and they waited til Jan to issue his.
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Old 17.10.2019, 12:16
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Re: Would I be covered for health insurance?

Do you have any confirmation of registering with the commune? If your permit is in process you should have some kind of paperwork. Won't the insurance companies accept that, although they shouldn't need the actual permit to register for health insurance.
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Old 17.10.2019, 12:51
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Re: Would I be covered for health insurance?

Show them proof of adress and a copy of the application form for your permit. If they do not accept that than find a company that actually knows what they are doing.

Many of us (me included) had their healthcare before their permit (which makes sense since a permit request can take up much longer than 3 months and you are legally obliged to be insured within 3 months of arrival.
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Old 17.10.2019, 15:55
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Re: Would I be covered for health insurance?

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Hello,

I arrived to Switzerland on 19.07.19. I am registered with the commune that I live in, although, I have not received my permit yet; therefore, insurances companies have said that I cannot take out health insurance until I receive my permit. Even though I am not insured with a company yet and have to back pay when I do get insured, would I be considered covered right now?

If I am not covered, is there anything I may be able to provide the insurance company with to get insurance without the permit?
Yes, you are covered from the day you register. If you have any medical bills, then you'd have to pay them yourself since your insurance isn't sorted out yet, but you could then claim back the costs - less your franchise - once the insurance is in place.

You need to sort it out or the commune/gemeinde will put you on their default health insurance policy which may be more than you want to pay.
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Old 17.10.2019, 20:43
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Re: Would I be covered for health insurance?

Under mandatory health insurance the insurance company can not refuse you. They are obligated by law to accept every resident who choses them, under the plan that person choses. Pre-existing conditions are irrelevant.

Write the company of your choice by registered mail, saying you chose them for mandatory health insurance, the plan you pick, plus maximum deductible. Done, you're insured. They'll need additional information, for instance the date you registered, and you'll probably have to pay back premiums for July and thereafter so expect your first bill to be for four or so months.

Since you're close to the 3-month limit it won't hurt to give your commune a call, describe your situation, and ask them to postpone their signing you up until xxx date (for one month, say). Otherwise you risk getting assigned a company and plan by them while you subscribe to one by yourself; if that happens you'll probably have to pay double until the end of next year.

Now, if you're talking about non-mandatory health insurance, the picture changes entirely. For those plans the insurance company can accept whom they like.
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Old 17.10.2019, 22:23
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Re: Would I be covered for health insurance?

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Under mandatory health insurance the insurance company can not refuse you. They are obligated by law to accept every resident who choses them, under the plan that person choses. Pre-existing conditions are irrelevant.
Irrelevant to being accepted, but not irrelevant for the deduction. Since that is not a free choice where the insurance has to accept your choice. If you have bills coming they'll simply put you on the max deductible.
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Old 17.10.2019, 22:25
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Re: Would I be covered for health insurance?

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Yes, you are covered from the day you register. If you have any medical bills, then you'd have to pay them yourself since your insurance isn't sorted out yet, but you could then claim back the costs - less your franchise - once the insurance is in place.
OP simply has to hurry up, back-pay is mandatory for the insurance if the insurance is fixed within 3 months, after that other conditions apply and back-pay is all but a guarantee.
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Old 17.10.2019, 22:43
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Re: Would I be covered for health insurance?

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Since that is not a free choice where the insurance has to accept your choice.
What are you talking about? The deductible is, of course, the insured person's free choice, pre-existing conditions are irrelevant.
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Old 11.11.2019, 15:43
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Re: Would I be covered for health insurance?

You are insured from the time you become resident in Switzerland. That begins when you register at your municipal office, even if your residence permit only arrives later.

You must choose a compulsory health insurance policy and apply within 3 months of registering. You can choose and apply for any compulsory health insurance policy you want. Your application cannot be refused. Coverage is identical across compulsory policies so I would recommend getting the cheapest available in your place of residence.

Any healthcare expenses which you incur in the meantime will be covered retroactively and reimbursed when you become insured.
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Old 11.11.2019, 16:15
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Re: Would I be covered for health insurance?

yes, but you are way over the 3 months period ...

Best discuss with your Commune and sort something out pronto- or they will automatically assign you to some Insurance, whihc may not be the cheapest, and to which you will be tied for at least one year.
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