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-   -   Travel Insurance Frustration (not Corona virus related!!!) (https://www.englishforum.ch/insurance/297141-travel-insurance-frustration-not-corona-virus-related.html)

WelshishJem 10.03.2020 10:22

Travel Insurance Frustration (not Corona virus related!!!)
 
Hi!!

Please can anyone help - I am just finishing a 9 month work contract in Switzerland. I am then travelling back to the UK before taking a break in Croatia for a week and then back to Switzerland for a holiday before I get a job and settle down here properly. I have been looking at getting a 6 month travel insurance policy to cover the duration of my time 'between jobs' but -

to buy insurance from the UK I need to have been resident for 3 months (I'll have been in the UK for 12 days before I leave for Croatia and then back to Switzerland)

to buy insurance from Switzerland I need to be a permanent resident (I only have an L permit that expires on the 30/03/2020) - plus I am I right in that the travel insurance from here doesn't cover Medical because you'd already be covered with the mandatory ins from here?? (which I was going to cancel when I left for the UK)

Garrrrrggggghhhhh - my head hurts!!!! Please help!!!:msncrazy::msncrazy:

Guest 10.03.2020 10:25

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
I feel your pain ...

Do you have a UK EHIC- it is still valid until December for emergency cover in EU. Then you could also become a REGA member - but they would only repatriate you to Switzerland if required.

fatmanfilms 10.03.2020 10:43

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
Quote:

Originally Posted by WelshishJem (Post 3156485)
Hi!!

Please can anyone help - I am just finishing a 9 month work contract in Switzerland. I am then travelling back to the UK before taking a break in Croatia for a week and then back to Switzerland for a holiday before I get a job and settle down here properly. I have been looking at getting a 6 month travel insurance policy to cover the duration of my time 'between jobs' but -

to buy insurance from the UK I need to have been resident for 3 months (I'll have been in the UK for 12 days before I leave for Croatia and then back to Switzerland)

to buy insurance from Switzerland I need to be a permanent resident (I only have an L permit that expires on the 30/03/2020) - plus I am I right in that the travel insurance from here doesn't cover Medical because you'd already be covered with the mandatory ins from here?? (which I was going to cancel when I left for the UK)

Garrrrrggggghhhhh - my head hurts!!!! Please help!!!:msncrazy::msncrazy:

Travel insurance does not really cover much medical stuff even through they may say 10 million of cover, they return you to your place of residence & let your home countries arrangements pick up the tab.

Sounds like you need to keep up your Swiss medical insurance especially as you intend to return, your Swiss EHIC will cover you for 3 months as a tourist, however you need to pay the premiums.

Island Monkey 10.03.2020 12:08

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
World Nomads are pretty good. Check with them if it's ok that you have only just moved back to the UK. Don't mention you are planning on living in Switzerland again, as far as anyone is concerned, you are a UK resident, if something happens you are repatriated to the UK and treated by the NHS..... if you decide to move abroad again afterwards, what can they do?

https://www.worldnomads.co.uk/help/i...y-of-residence

fatmanfilms 10.03.2020 12:16

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
Quote:

Originally Posted by Island Monkey (Post 3156529)
World Nomads are pretty good. Check with them if it's ok that you have only just moved back to the UK. Don't mention you are planning on living in Switzerland again, as far as anyone is concerned, you are a UK resident, if something happens you are repatriated to the UK and treated by the NHS..... if you decide to move abroad again afterwards, what can they do?

https://www.worldnomads.co.uk/help/i...y-of-residence

Misleading an insurance company could lead to them not paying, it's also a criminal offence! The OP is NOT UK resident, he is Swiss resident with a Swiss residents card.

Island Monkey 10.03.2020 12:21

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
Quote:

Originally Posted by fatmanfilms (Post 3156532)
Misleading an insurance company could lead to them not paying, it's also a criminal offence! The OP is NOT UK resident, he is Swiss resident with a Swiss residents card.

No he won't be. He ceases to be a Swiss resident when his job and residence permit expire. He will become a Swiss resident again when he returns to Switzerland in 6 months to work again and gets another residence permit. For the next 6 months, he will be a UK resident who is going travelling.

Quote:

Originally Posted by WelshishJem (Post 3156485)
I am just finishing a 9 month work contract in Switzerland. I am then travelling back to the UK before taking a break in Croatia for a week and then back to Switzerland for a holiday before I get a job and settle down here properly.


fatmanfilms 10.03.2020 12:48

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
Quote:

Originally Posted by Island Monkey (Post 3156533)
No he won't be. He ceases to be a Swiss resident when his job and residence permit expire. He will become a Swiss resident again when he returns to Switzerland in 6 months to work again and gets another residence permit. For the next 6 months, he will be a UK resident who is going travelling.

He ceased to be a UK resident when he got the Swiss permit, the full information MUST be given to the insurance company as insurance is based on 'utmost good faith'. Returning for a few days with no intention to live in the UK is very clear, so he will have no residence anywhere at this point, so won't be covered by the UK NHS.

Landers 10.03.2020 17:45

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
Whether he intends to stay in the UK or not is totally irrelevant. Asking the insurers if he can get cover after only spending a short time in the UK is not attempt to mislead.

Residence by definition implies that someone resides somewhere.
Most insurers will define "UK resident" as someone who has resided in the UK for some minimum period. "Residency" is not necessarily the same as "tax residency". One can easily be considered resident in the UK and at the same time resident in Switzerland.

fatmanfilms 10.03.2020 18:00

Re: Travel Insurance Frustration (not Corona virus related!!!)
 
Quote:

Originally Posted by Landers (Post 3156688)
Whether he intends to stay in the UK or not is totally irrelevant. Asking the insurers if he can get cover after only spending a short time in the UK is not attempt to mislead.

Residence by definition implies that someone resides somewhere.
Most insurers will define "UK resident" as someone who has resided in the UK for some minimum period. "Residency" is not necessarily the same as "tax residency". One can easily be considered resident in the UK and at the same time resident in Switzerland.

The NHS takes a different view & thats what a holiday insure will be interested in.

"An Ordinarily Resident is a PERSON who is Ordinarily Resident in the United Kingdom and cannot be charged for NHS hospital healthcare.

Note: The gov.uk website advises that; “Ordinary Residence means, broadly, living in the UK on a lawful, voluntary and properly settled basis for the time being. A PERSON who is not Ordinarily Resident in this country at the time of treatment is not automatically entitled to NHS hospital treatment free of charge. A PERSON who is Ordinarily Resident is not subjected to this charging regime."


https://www.datadictionary.nhs.uk/da....asp?shownav=1


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