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Old 17.11.2019, 16:20
 
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Health insurance, what happens if you get Swiss passport?

Hi,

I've heard it said that if you become a Swiss citizen, your Swiss health insurance will continue to cover you if you decide to live abroad. Has anyone heard this before, is it true?

Thanks!
Jasmine
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Old 17.11.2019, 17:13
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Re: Health insurance, what happens if you get Swiss passport?

Depends on your insurance coverage, minimum insurance by Suisse law is not intended to provide coverage while living abroad. Plus, living abroad for a Suisse national does not mean you have to be insured while there - only when you return
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Old 17.11.2019, 17:54
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Re: Health insurance, what happens if you get Swiss passport?

Even more depends on if you announce to the insurance company and pay the premium requested
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Old 17.11.2019, 17:55
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Re: Health insurance, what happens if you get Swiss passport?

If you move to an EU/EFTA state:
https://www.aso.ch/en/consultation/l...-euefta-states

If you move to a non-EU, non-EFTA state:
https://www.aso.ch/en/consultation/l...outside-euefta
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Old 18.11.2019, 02:04
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Re: Health insurance, what happens if you get Swiss passport?

I have gone through this for a non EU state.

Some health insurances will cover you with a small mark up (Swica) some will refuse point blank (Groupe Mutuel) And some offer a special product for Swiss abroad (CSS group).

It will also depend how your contract is set up when you are abroad - if you are sent as a "detached employee" and keep your contract in CH and keep paying CH social security etc then you MUST maintain your Swiss health insurance for yourself and some cases family too. If you have good supplementaries they will cover you abroad otherwise not.

If you are sent on a pure local contract then bit above applies (info about 2.5 yrs old but don't think it has changed much)

Hence for anyone thinking about going abroad at some point, good to think about right health insurance as every time you enter a scheme you will be questioned and as you get older, stuff is excluded etc.

K
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Old 18.11.2019, 05:00
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Re: Health insurance, what happens if you get Swiss passport?

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Hi,

I've heard it said that if you become a Swiss citizen, your Swiss health insurance will continue to cover you if you decide to live abroad. Has anyone heard this before, is it true?

Thanks!
Jasmine
I suspect the information has become muddled up. In the EU/EEA/CH if you retire to another country within the group, your healthcare is the responsibility of the country paying the bulk of your first pillar pension. If that was Switzerland, then Swiss health insurance would continue to cover you, but you would continue to pay premiums. The only exception being if you are a citizen of the other country and are entitled to cover there.
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Old 18.11.2019, 08:59
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Re: Health insurance, what happens if you get Swiss passport?

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I've heard it said that if you become a Swiss citizen, your Swiss health insurance will continue to cover you if you decide to live abroad. Has anyone heard this before, is it true?
No.

Tom
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Old 18.11.2019, 09:42
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Re: Health insurance, what happens if you get Swiss passport?

As a Swiss citizen, compulsory Swiss health insurance continues to cover you (assuming you pay your premiums) after you leave Switzerland, but only until you become resident in another country.

In theory, living in another country for 6 months or more would qualify you as a resident, and therefore terminate your right to insurance coverage. In practice, you may be able to keep your coverage until you are actually a legal resident registered in another country.

Supplemental health insurance typically expires as soon as you leave Switzerland. The terms and conditions may vary slightly between policies.

Some Swiss health insurance companies offer international health insurance which you can take with you. You can get this whether or not you are a Swiss citizen. The premiums and coverage are similar to what you get with compulsory health insurance. However, because this is a supplementary insurance, insurance companies can turn down your application (if you have a history of illness, for example).

If you need short-term coverage to bridge a gap between leaving Switzerland and settling in another country, compulsory health insurance has you covered. If you need long-term international coverage, check into international health insurance from Swiss (or non-Swiss) insurers.
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Old 18.11.2019, 12:30
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Re: Health insurance, what happens if you get Swiss passport?

IIRC the cost of supplemental insurance came down by a small amount. Less than a hundred francs from one year to the next.
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Old 18.11.2019, 15:27
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Re: Health insurance, what happens if you get Swiss passport?

Basic health insurance is obligatory for all residents in Switzerland. Swiss health insurance have no obligation to insure you if you move abroad, though some may offer such policies, though as it's not regulated as the LAMAL is, they can do much as they want.
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