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Old 28.10.2020, 01:28
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missed registering for insurance how much trouble?

Sorry I did a search but cannot see a recent thread.


Flew into Switzerland end of July.

Started work in August.



Thought I had signed up for insurance but it was only for a quote......yes I am an idiot had a lot on my mind...


What is the best way of regularising myself? Obviously don't want to spend a huge amount of money for no reason if I can avoid doing so, but also want to respect the country I moved to and just want to get myself on the straight and narrow.....


Seeing as I have literally just missed the 90 day window, what is my best options? Really annoyed with myself usually on top of admin things...
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Old 28.10.2020, 01:30
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Re: missed registering for insurance how much trouble?

You legally have 3 months to sort out insurance, you you are just in time. Consider yourself lucky that now you only have to pay from date of arrival, and not from the beginning of arrival month, as until very recently.
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Old 28.10.2020, 01:42
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Re: missed registering for insurance how much trouble?

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You legally have 3 months to sort out insurance, you you are just in time. Consider yourself lucky that now you only have to pay from date of arrival, and not from the beginning of arrival month, as until very recently.

I flew into the country 94 days ago so I am unfortunately out of the 3 month window hence my panic!



It seems insurance here is based on month only not day so I will be paying for July, August, September, October (and soon November). Does this seem right?


Going by the BAG website it mentions:


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


Each member of a family – adult or child – has to be individually insured. If insurance is obtained within the specified period, coverage takes effect from birth or from the beginning of residence in Switzerland. Any costs which may have been incurred since the starting date will be reimbursed retrospectively. Accordingly, premiums are also payable retrospectively from the starting date.
In the event of delayed registration, coverage will only take effect from the date of enrolment, and a surcharge will be payable unless the delay is justified.


Does this mean I can register now? Is there any details on the surcharge?
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Old 28.10.2020, 01:59
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Re: missed registering for insurance how much trouble?

Just sign up ASAP. Hopefully you won’t get fined.
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Old 28.10.2020, 02:01
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Re: missed registering for insurance how much trouble?

It would be advisable to select a health insurance provider and register with them as soon as possible.

The surcharge calculation is covered by the KVV, Art. 8 (translated):

"Art. 8 Premium surcharge for late registration

1 The collection period for the premium surcharge for late registration under Article 5 paragraph 2 of the Act shall be twice the duration of the delay, but no longer than five years. The premium surcharge shall be 30 to 50 percent of the premium. The insurer shall determine the surcharge according to the financial situation of the insured. If the payment of the premium surcharge results in an emergency situation for the insured, the insurer shall set a surcharge of less than 30 percent, taking account of the situation of the insured and the circumstances of the delay. "

https://www.admin.ch/opc/de/classifi...00/832.102.pdf
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Old 28.10.2020, 13:36
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Re: missed registering for insurance how much trouble?

Hello, welcome to the forum.

Which canton? In some cantons you cannot register if you don't provide proof of health insurance. In other cantons you have a month after registering to provide this proof.

In any case, someone at the cantonal government is controlling that every resident has contracted health insurance. If that person takes the job seriously, this person already chose a health insurance for you. See Article 6 of health insurance law. Not in English so use some online translation (https://www.admin.ch/opc/fr/classifi.../index.html#a6)

Quote:
Art. 6 Ex officio control and affiliation
1 The cantons ensure compliance with the obligation to take out insurance.
2 The authority designated by the canton automatically affiliates any person required to ensure that they have not complied with this obligation in good time.
So, contact your local commune/gemeinde, check if they already chose for you, if not tell them you'll contract one ASAP. If you sign a 2nd health insurance contract while ignoring if a 1st one exists, you're liable for payment anyway. The problem can be solved, but......it's a preventable problem.
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Old 28.10.2020, 15:04
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Re: missed registering for insurance how much trouble?

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Hello, welcome to the forum.

Which canton? In some cantons you cannot register if you don't provide proof of health insurance. In other cantons you have a month after registering to provide this proof.

In any case, someone at the cantonal government is controlling that every resident has contracted health insurance. If that person takes the job seriously, this person already chose a health insurance for you. See Article 6 of health insurance law. Not in English so use some online translation (https://www.admin.ch/opc/fr/classifi.../index.html#a6)

So, contact your local commune/gemeinde, check if they already chose for you, if not tell them you'll contract one ASAP. If you sign a 2nd health insurance contract while ignoring if a 1st one exists, you're liable for payment anyway. The problem can be solved, but......it's a preventable problem.

It is Zurich. I already have my B permit so guessing they are different that way.


I am afraid if I go to the gemmeinde that they will take a poor view on the situation, I would not want to get in trouble with work, social standing etc.
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Old 28.10.2020, 15:07
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Re: missed registering for insurance how much trouble?

It will be significantly worse if they have to come to you, in both impact and potentially cost - they can just pick insurance for you, and have no incentive to choose the best / cheapest.

Why is it difficult to just sign up for insurance? I don't think you don't even need to tell the gemeinde, it all gets sorted out in the background once you have it.
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Old 28.10.2020, 15:10
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Re: missed registering for insurance how much trouble?

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It is Zurich. I already have my B permit so guessing they are different that way.

I am afraid if I go to the gemmeinde that they will take a poor view on the situation, I would not want to get in trouble with work, social standing etc.
Indeed, expect a rant at the gemeinde.

Other option is to contact a health insurance agent to check if you already have insurance. If not, quote and sign ASAP.
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Old 28.10.2020, 15:35
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Re: missed registering for insurance how much trouble?

Honestly, as far as breaking rules goes this is very small potatoes. You're not trying to e.g. import cars illegally, or falsely declare residence for tax purposes when you haven't spent enough time here, etc. etc. etc.


If I were you, at this point I would imperatively contact the geminde before signing on to an insurance, from what I understand if you haven't signed up for insurance on time the geminde signs you up for a provider of their choice backdated to the day you enter. The risk associated with you signing a contract for an insurance now is that if the geminde has already initiated this process of them signing you up with an insurer of their choice you will be on the hook for two insurances for the next year.

Seriously, being a few days late on this isn't a very big transgression, I wouldn't worry about getting in trouble (you certainly won't be deported): I'd only worry about the double insurance problem. So far you are only four days late, it's possible they've not yet even noticed that you have no health insurance (or if they have, they've not yet taken any action).

I'd contact the geminde by phone to explain the situation, assure them that you have a valid offer in your hand that you are willing to sign asap, and that you just want to clarify that accepting this offer will not lead to you having double insurance. If they explain that they noticed you were over the allowed time and they've already initiated a process for you to be insured, then you don't sign the offer that you have, and accept whatever insurance they have chosen for you.

I have always found my geminde to be very reasonable and helpful whenever I have had to sort out things (including going beyond some deadlines by a few days). I would like to think that if you are forthcoming and obviously eager to set things straight you can resolve this problem with relatively little hassle.

b.

Last edited by bossie; 28.10.2020 at 15:51.
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Old 28.10.2020, 16:17
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Re: missed registering for insurance how much trouble?

speaking from recent experience, my basic insurance was pro-rated from the day of arrival rather than month of the arrival although that was canton Zug. I'd be surprised if there was a difference for these matters among cantons
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Old 28.10.2020, 16:19
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Re: missed registering for insurance how much trouble?

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Honestly, as far as breaking rules goes this is very small potatoes. You're not trying to e.g. import cars illegally, or falsely declare residence for tax purposes when you haven't spent enough time here, etc. etc. etc.


If I were you, at this point I would imperatively contact the geminde before signing on to an insurance, from what I understand if you haven't signed up for insurance on time the geminde signs you up for a provider of their choice backdated to the day you enter. The risk associated with you signing a contract for an insurance now is that if the geminde has already initiated this process of them signing you up with an insurer of their choice you will be on the hook for two insurances for the next year.

Seriously, being a few days late on this isn't a very big transgression, I wouldn't worry about getting in trouble (you certainly won't be deported): I'd only worry about the double insurance problem. So far you are only four days late, it's possible they've not yet even noticed that you have no health insurance (or if they have, they've not yet taken any action).

I'd contact the geminde by phone to explain the situation, assure them that you have a valid offer in your hand that you are willing to sign asap, and that you just want to clarify that accepting this offer will not lead to you having double insurance. If they explain that they noticed you were over the allowed time and they've already initiated a process for you to be insured, then you don't sign the offer that you have, and accept whatever insurance they have chosen for you.

I have always found my geminde to be very reasonable and helpful whenever I have had to sort out things (including going beyond some deadlines by a few days). I would like to think that if you are forthcoming and obviously eager to set things straight you can resolve this problem with relatively little hassle.

b.

Thank you very much for that comprehensive reply. I will reach out. Just to confirm the geminde is the same as the kreisburo?
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Old 28.10.2020, 18:41
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Re: missed registering for insurance how much trouble?

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Thank you very much for that comprehensive reply. I will reach out. Just to confirm the geminde is the same as the kreisburo?
Assuming you are living in Zurich City, yes.
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Old 28.10.2020, 18:47
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Re: missed registering for insurance how much trouble?

Speed is of the essence here. After 3 months, they will organise insurance for you and send the contract to you- and you will have no choice until the time when your can change it for another one much later on. So don't wait. There maybe a contract in the Post already- then it gets messy, and expensive.

Last edited by JackieH; 28.10.2020 at 21:43.
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