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Old 19.01.2020, 13:16
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Health insurance for job

I am a non-EU (B-permit holder) who just started work in Basel since 1st November 2019.

I learnt that I have three months of time to buy health insurance for my employment. My question is whether the "three month" period counts since I first arrived in Basel (which was 18th Oct 2019) or, counts since I first started officially working.

If it is the former case, then I am late. What is the consequence? I learnt from my colleague that there will be some fine.

Thanks
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Old 19.01.2020, 13:24
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Re: Health insurance for job

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I am a non-EU (B-permit holder) who just started work in Basel since 1st November 2019.

I learnt that I have three months of time to buy health insurance for my employment. My question is whether the "three month" period counts since I first arrived in Basel (which was 18th Oct 2019) or, counts since I first started officially working.

If it is the former case, then I am late. What is the consequence? I learnt from my colleague that there will be some fine.

Thanks
Health insurance is not for your employment. Everybody living in Switzerland must have it.
The three months are counted from your arrival. And you will be charged retroactively.
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Old 19.01.2020, 13:26
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Re: Health insurance for job

From the date you registered at your gemeinde. Health insurance has nothing to do with work, everyone who lives here has to have it. If you haven’t organised it yourself, your Gemeinde will sign you up to one of their choice - it will probably be more expensive than you’d want, best to organise it yourself.
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Old 19.01.2020, 13:41
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Re: Health insurance for job

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Health insurance is not for your employment. Everybody living in Switzerland must have it.
The three months are counted from your arrival. And you will be charged retroactively.
Thanks, so if late the consequence will be mainly money?

I will buy insurance tomorrow.
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Old 19.01.2020, 13:58
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Re: Health insurance for job

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Thanks, so if late the consequence will be mainly money?

I will buy insurance tomorrow.
Most likely. And not really as you're still paying retrospectively to you arrival date. I doubt there is a fine.
But as Island Monkey wrote, what's really a pain in the neck is when the community just signs you up for one as chances are good it won't be a cheap one yet you'll be stuck with it for a year.

As you can do this stuff online these days, today would be a better choice.
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Old 19.01.2020, 13:59
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Re: Health insurance for job

You might want to also give your Gemeinde a call tomorrow, and explain that you are sorting it out.... to check they haven't already done it for you or are about to. You don't want to end up with 2 insurance plans.

Once you have your insurance, you need to take the certificate (Police) to the Gemeinde, to prove that you have it.
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Old 19.01.2020, 14:05
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Re: Health insurance for job

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Once you have your insurance, you need to take the certificate (Police) to the Gemeinde, to prove that you have it.
Is that something new?
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Old 19.01.2020, 14:13
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Re: Health insurance for job

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Is that something new?
Maybe not the same in every Gemeinde, but ours wanted proof that we'd signed up..... otherwise how would they know? And how would you have the situation where they sign you up themselves?
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Old 19.01.2020, 14:24
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Re: Health insurance for job

Surely your human resources department should have helped you with this. Your Company may have already registered you for their health insurance.

Check with them first, then contact your commune. Comparis is a good place to start comparing policies. For Basic insurance your only real chouce is your deductible (the amount you pay before the insurance company begins paying 90%). But for complementary insurance there are many more choices, dental for example.
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Old 19.01.2020, 15:08
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Re: Health insurance for job

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Maybe not the same in every Gemeinde, but ours wanted proof that we'd signed up..... otherwise how would they know? And how would you have the situation where they sign you up themselves?
I got a letter at home in where they asked where I was insured and that If I did not respond in time that they would sign me up. Filled in the form and send it back in the included envelop and all done.

Police have better things to do than to take over administrative duties from city
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Old 19.01.2020, 15:23
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Re: Health insurance for job

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Police have better things to do than to take over administrative duties from city
Nothing to do with the THE Police..... I meant, the certificate of insurance you get each year that proves you are insured is called "Police" (German for "Policy").
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Old 19.01.2020, 16:01
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Re: Health insurance for job

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Surely your human resources department should have helped you with this. Your Company may have already registered you for their health insurance.
When I came here, they gave me information about the deal they had and contacts, but no way would they have registered me on "their insurance". There is no "their" insurance.
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Old 19.01.2020, 16:04
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Re: Health insurance for job

It was in my case, 35 years ago.
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Old 19.01.2020, 16:15
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Re: Health insurance for job

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Nothing to do with the THE Police..... I meant, the certificate of insurance you get each year that proves you are insured is called "Police" (German for "Policy").
Same in French. Police is the policy.
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Old 19.01.2020, 17:08
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Re: Health insurance for job

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Most likely. And not really as you're still paying retrospectively to you arrival date. I doubt there is a fine.
You only pay by the date you give when you register with the insurance company. No need to pay retrospectively, unless you want to.
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Old 19.01.2020, 17:15
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Re: Health insurance for job

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I am a non-EU (B-permit holder) who just started work in Basel since 1st November 2019.

I learnt that I have three months of time to buy health insurance for my employment. My question is whether the "three month" period counts since I first arrived in Basel (which was 18th Oct 2019) or, counts since I first started officially working.

If it is the former case, then I am late. What is the consequence? I learnt from my colleague that there will be some fine.

Thanks
Also make sure that you don't add accident insurance to this. That is covered by your employer since you're working more than 8 hours a week.
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Old 19.01.2020, 17:23
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Re: Health insurance for job

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You only pay by the date you give when you register with the insurance company. No need to pay retrospectively, unless you want to.
This is not true.

It is retrospective and you have 3 months to pick one yourself and else the city or kanton will pick one for you.
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Old 19.01.2020, 18:30
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Re: Health insurance for job

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This is not true.

It is retrospective and you have 3 months to pick one yourself and else the city or kanton will pick one for you.
This is a theoretical statement and false. It works like this: you pay starting with the date you enter in the form when you apply, usually the current day. If you enter a couple of months ago, you'll pay what you entered. If you feel like it, you can even enter one year ago. The insurance company will happily take your money. No checks, just pay - you get the idea.

Btw, I knew someone who waited more than 6 months before registering.
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Old 19.01.2020, 19:09
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Re: Health insurance for job

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It was in my case, 35 years ago.
Things have changed somewhat. Even since came here 17 years ago. Company supplied health insurance is very rare.
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Old 19.01.2020, 19:10
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Re: Health insurance for job

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This is a theoretical statement and false. It works like this: you pay starting with the date you enter in the form when you apply, usually the current day. If you enter a couple of months ago, you'll pay what you entered. If you feel like it, you can even enter one year ago. The insurance company will happily take your money. No checks, just pay - you get the idea.

Btw, I knew someone who waited more than 6 months before registering.
You really do want to read this before you bring other people in trouble:

https://www.bag.admin.ch/bag/en/home...gspflicht.html
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