Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 04.07.2020, 19:08
Newbie
 
Join Date: Jun 2020
Location: Adliswil
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 2 Posts
Georgios has no particular reputation at present
Simultaneous [health] insurance in two countries - is that possible?

Hi,

I moved in Zurich last month for a permanent work. After a few days that I came, I had news from my wife that she is pregnant. After going to the doctor, due to a) her difficult job and b) the corona virus, he gave her a paper to remain home. So now she is on paid pregnancy leave. However, she has to come here with me as soon as I find a permanent house. Now, as we know, she will have to get a private insurance here (its mainly public back in Greece where we are from). So the question is: can she keep her public insurance there in order to retain all her pregnancy benefits in Greece and at the same time get a private insurance here and actually give birth here? Is simultaneus insurance in two countries possible/legal? Any hints or advice? Or maybe some official authority that I can contact? Thanks a lot!
Reply With Quote
  #2  
Old 04.07.2020, 19:17
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,077
Groaned at 366 Times in 307 Posts
Thanked 13,936 Times in 6,500 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: Simultaneous insurance in two countries - is that possible?

As soon as you register here, she needs to apply for local Swiss insurance (which is very good in my opinion).
Reply With Quote
The following 2 users would like to thank roegner for this useful post:
  #3  
Old 04.07.2020, 19:24
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Switzerland
Posts: 22,148
Groaned at 409 Times in 317 Posts
Thanked 17,128 Times in 9,634 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

No, because she will no longer be a resident of Greece, but of Switzerland. She can/will have to get Swiss health insurance cover within 3 months of arriving and she can also give birth here. Swiss health coverage for pregnancy is very good so don't be concerned about that. Everything after the first 12 weeks will be covered.

https://www.ch.ch/en/pregnancy-health-insurance-covers/
Reply With Quote
This user would like to thank Medea Fleecestealer for this useful post:
  #4  
Old 04.07.2020, 23:11
Newbie
 
Join Date: Jun 2020
Location: Adliswil
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 2 Posts
Georgios has no particular reputation at present
Re: Simultaneous insurance in two countries - is that possible?

Thanks for the quicks answers. However, I feel like these not fully cover my question...I mean, yes of course, she will get an insurance here, give a birth, etc. So far so good. But can she also remain insured back in Greece, keep her job and remain on paid pregnancy leave while also insured here?
Reply With Quote
  #5  
Old 04.07.2020, 23:12
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 13,263
Groaned at 216 Times in 191 Posts
Thanked 19,342 Times in 7,873 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

My Hungarian friend started working here three weeks ago. His pregnant wife joined him a few days ago. He's paying for her health insurance here. It really isn't' a problem.
Reply With Quote
  #6  
Old 05.07.2020, 00:07
Jim2007's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Kt. Bern
Posts: 4,508
Groaned at 217 Times in 171 Posts
Thanked 7,421 Times in 3,283 Posts
Jim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

Quote:
View Post
Thanks for the quicks answers. However, I feel like these not fully cover my question...I mean, yes of course, she will get an insurance here, give a birth, etc. So far so good. But can she also remain insured back in Greece, keep her job and remain on paid pregnancy leave while also insured here?
You are basically asking us what is the situation in Greece, if she moves to Switzerland and continue to claim benefits in Greece... This is probably not the best form to get an answer to such a question.
Reply With Quote
  #7  
Old 05.07.2020, 09:07
Forum Legend
 
Join Date: Mar 2008
Location: ZH
Posts: 7,795
Groaned at 91 Times in 72 Posts
Thanked 11,943 Times in 4,850 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

Quote:
View Post
Thanks for the quicks answers. However, I feel like these not fully cover my question...I mean, yes of course, she will get an insurance here, give a birth, etc. So far so good. But can she also remain insured back in Greece, keep her job and remain on paid pregnancy leave while also insured here?
For the Swiss side:
  • Your wife can reside here since you can support her.
  • All residents of Switzerland must have obligatory medical insurance.
  • Swiss medical insurance can be bought only by persons with a domicile in Switzerland (with the exception of old-age pensioners, in some particular cases, but this is not your wife's situation).
  • Your wife (with you) is taxed in Switzerland, on all her assets and income, worldwide.

The Swiss do not accept two domiciles. Here, a domicile is where the "middle point" of one's life is. This is the intersection of one's private, social and public life. If your wife moves to Switzerland to live with you, then she will be transferring her middle point from Greece to Switzerland.

Your wife needs to find out those same things from the Greek side, and in particular, whether the Greek employer thinks that she can work remotely. If not, and if she wants to keep her job in Greece, then one option might be for her to continue to live in Greece, and just visiting you from time to time.
Reply With Quote
  #8  
Old 05.07.2020, 09:37
Newbie
 
Join Date: Jun 2020
Location: Adliswil
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 2 Posts
Georgios has no particular reputation at present
Re: Simultaneous insurance in two countries - is that possible?

Quote:
View Post
You are basically asking us what is the situation in Greece, if she moves to Switzerland and continue to claim benefits in Greece... This is probably not the best form to get an answer to such a question.
Yeah, I know, I thought maybe someone had a similar experience with Greece or even a different country and made it work...Anyway, as you (and others) have suggested I will try to ask the question on the Greek authorities as well. Its just that I dont really trust them and I was searching for a real-life example . Thanks for all the answers!
Reply With Quote
The following 2 users would like to thank Georgios for this useful post:
  #9  
Old 05.07.2020, 11:49
Jim2007's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Kt. Bern
Posts: 4,508
Groaned at 217 Times in 171 Posts
Thanked 7,421 Times in 3,283 Posts
Jim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

Quote:
View Post
Yeah, I know, I thought maybe someone had a similar experience with Greece or even a different country and made it work...Anyway, as you (and others) have suggested I will try to ask the question on the Greek authorities as well. Its just that I dont really trust them and I was searching for a real-life example . Thanks for all the answers!
I could be wrong, but I’d say your chance of finding a Greek in the same circumstances on this form is about zero.
Reply With Quote
  #10  
Old 05.07.2020, 18:18
Forum Legend
 
Join Date: Mar 2008
Location: ZH
Posts: 7,795
Groaned at 91 Times in 72 Posts
Thanked 11,943 Times in 4,850 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

Yes, in the same circumstances, that's unlikely. But Greeks? We have them, too!
https://www.englishforum.ch/members/...stvisit&pp=100
OP, perhaps one of these members would be able to advise you about how to find out the info in Greece. If you want to contact them, be sure to sort by the date of the "last visit".
Reply With Quote
This user would like to thank doropfiz for this useful post:
  #11  
Old 05.07.2020, 18:21
Forum Legend
 
Join Date: Mar 2008
Location: ZH
Posts: 7,795
Groaned at 91 Times in 72 Posts
Thanked 11,943 Times in 4,850 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Simultaneous insurance in two countries - is that possible?

Perhaps you could ask a mod to change the name of your thread to show that it's about Greece and Switzerland. That might get the attention of forum members who'd know what you need to know.
Reply With Quote
  #12  
Old 05.07.2020, 19:12
Newbie
 
Join Date: Jun 2020
Location: Adliswil
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 2 Posts
Georgios has no particular reputation at present
Re: Simultaneous [health] insurance in two countries - is that possible?

Hey thanks for all the replies. I think I will keep it as is because I am generally asking if someone had experience with a similar situation, maybe from another country also, not just Greece...
Reply With Quote
  #13  
Old 05.07.2020, 20:06
Newbie 1st class
 
Join Date: Sep 2018
Location: Gingins
Posts: 20
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 5 Posts
SwissGreek has no particular reputation at present
Re: Simultaneous [health] insurance in two countries - is that possible?

Hi Georgios,
First of all, if she works 100% in Greece, she might be entitled to an exemption from the obligation to be insured in Switzerland. You may contact the Städtische Gesundheitsdienste and ask them all your questions. You can also find some useful information related to this matter here:
http://www.jgk.be.ch/jgk/de/index/pr...0Befreiung.pdf
Feel free to contact me should you need further information.
Reply With Quote
This user would like to thank SwissGreek for this useful post:
  #14  
Old 05.07.2020, 20:23
Newbie 1st class
 
Join Date: Sep 2018
Location: Gingins
Posts: 20
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 5 Posts
SwissGreek has no particular reputation at present
Re: Simultaneous insurance in two countries - is that possible?

Quote:
View Post
I could be wrong, but I’d say your chance of finding a Greek in the same circumstances on this form is about zero.
Luckily, for Giorgios, you are indeed wrong
Reply With Quote
This user would like to thank SwissGreek for this useful post:
  #15  
Old 05.07.2020, 20:26
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,783
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Simultaneous [health] insurance in two countries - is that possible?

From the Swiss side of view I do not see any issues. As long as you have at least the mandatory basic health insurance coverage you are good. More is always possible.

This looks more like a Greek issue.
Reply With Quote
  #16  
Old 05.07.2020, 22:08
Bossa Nova's Avatar
Member
 
Join Date: Jul 2019
Location: Vaud
Posts: 188
Groaned at 1 Time in 1 Post
Thanked 450 Times in 125 Posts
Bossa Nova has a reputation beyond reputeBossa Nova has a reputation beyond reputeBossa Nova has a reputation beyond reputeBossa Nova has a reputation beyond repute
Re: Simultaneous [health] insurance in two countries - is that possible?

Are you actually concerned about Greek health insurance? The way I understand it, you are mostly wondering whether or not she can collect maternity benefits in Greece after she's had the baby, even though she's residing in Switzerland, and the birth will be covered by Swiss health insurance. This isn't about Greek health insurance, it's about social benefits, i.e. you want to know if she can:
Quote:

keep her public insurance there in order to retain all her pregnancy benefits in Greece and at the same time get a private insurance here and actually give birth here?
I would be surprised if the Greek government would pay out maternity leave to someone who has left the country, but the only way to know is to ask them.

Last edited by Bossa Nova; 05.07.2020 at 23:17.
Reply With Quote
  #17  
Old 05.07.2020, 23:10
Junior Member
 
Join Date: Oct 2013
Location: Zurich
Posts: 70
Groaned at 0 Times in 0 Posts
Thanked 33 Times in 15 Posts
DarkOrion has made some interesting contributions
Re: Simultaneous [health] insurance in two countries - is that possible?

A few years ago, I was insured in both countries, not because I wanted to, though. In Greece, health insurance is somehow combined with the pension fund. In the past, and especially for engineers, you would have to to contribute to the pension fund and the public health insuarance regardless of your employment or residence status. Of course, this changed, but the first three or four years I was here, I was paying health insurance and pension fund contributions in both countries. A simple form from AHV confirming employment status and contribution to the swiss pension fund was enough to de-register from the greek pension fund and get a refund of my pension contributions, but not the health insurance contributions.

Since then, quite a few things have changed in the health insurance and pension funds in Greece. I suspect that if your wife wants to continue paying for the health insurance and pension fund, nobody is gonna stop her. But claiming benefits is not gonna be easy. After all, if she moves here and gives birth to your child here, this means that her residence is in Switzerland, she would have to deregister from the local tax office and move to the "Greeks living abroad" tax office and I guess the health insurance is gonna check tax status before they start giving out money.

Oh, by the way, if she moves here, then she will want to move to this special tax office, otherwise you would have to declare your swiss income (actually your global income) in the greek tax return and be taxed at greek tax rates.
Reply With Quote
The following 2 users would like to thank DarkOrion for this useful post:
  #18  
Old 06.07.2020, 20:13
Newbie
 
Join Date: Jun 2020
Location: Adliswil
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 2 Posts
Georgios has no particular reputation at present
Re: Simultaneous [health] insurance in two countries - is that possible?

Thank you so much everyone! All suggestions and insights have been dully noted! You have given me great direction in what to search for! And to the fellow engineer from Greece: I am an engineer myself. Things are a bit easier now, you just request using a form, to de-register from the engineers' branch (TSMEDE). But how much time it will take to get processed is another thing...So the latest update for future use (if anyone finds him-herself in the same position) is that it can actually be done. But the thing gets trickier as DarkOrion said with tax, you may get taxed for the part of the year with the Swiss salary back in greece - you dont want that...I may have to make separate tax statements next year with my wife to avoid that. I will update this thread when I have my final course of action for anyone interested. Power of the community! Thanks again!
Reply With Quote
This user would like to thank Georgios for this useful post:
  #19  
Old 06.07.2020, 20:40
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 11,143
Groaned at 87 Times in 83 Posts
Thanked 18,853 Times in 8,394 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: Simultaneous [health] insurance in two countries - is that possible?

Quote:
View Post
...I may have to make separate tax statements next year with my wife to avoid that. I will update this thread when I have my final course of action for anyone interested. Power of the community! Thanks again!
FYI - in Switzerland, married couples file together. Not sure how that works if you file separately in Greece and you need to use tax treaties between the countries to your advantage.
Reply With Quote
  #20  
Old 06.07.2020, 21:41
Junior Member
 
Join Date: Jan 2020
Location: Geneva
Posts: 39
Groaned at 20 Times in 7 Posts
Thanked 50 Times in 20 Posts
Lapithos is considered a nuisanceLapithos is considered a nuisanceLapithos is considered a nuisance
Re: Simultaneous [health] insurance in two countries - is that possible?

Quote:
View Post
Hi,

I moved in Zurich last month for a permanent work. After a few days that I came, I had news from my wife that she is pregnant. After going to the doctor, due to a) her difficult job and b) the corona virus, he gave her a paper to remain home. So now she is on paid pregnancy leave. However, she has to come here with me as soon as I find a permanent house. Now, as we know, she will have to get a private insurance here (its mainly public back in Greece where we are from). So the question is: can she keep her public insurance there in order to retain all her pregnancy benefits in Greece and at the same time get a private insurance here and actually give birth here? Is simultaneus insurance in two countries possible/legal? Any hints or advice? Or maybe some official authority that I can contact? Thanks a lot!
It is perfectly feasible. Don't hesitate to contact me for details if necessary.
Reply With Quote
This user would like to thank Lapithos for this useful post:
Reply

Tags
expat, insurance, pregnancy




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 if you live in 3 different countries during the year? Capo Insurance 22 11.09.2017 17:26
Does my health insurance include travel to foreign countries? alanmack Insurance 37 31.01.2016 23:19
Most Efficient Health Care Countries - Bloomberg mountains Family matters/health 0 18.11.2013 14:43
health care/ health insurance/customs/American outlining Insurance 5 16.05.2012 10:52
Health Coverage In Two Countries? Szandor_Nostromo Insurance 10 12.07.2007 18:23


All times are GMT +2. The time now is 21:48.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0