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-   -   Health insurance in 2 countries (https://www.englishforum.ch/insurance/302075-health-insurance-2-countries.html)

londonm 08.01.2021 17:57

Health insurance in 2 countries
 
Hi all!,

I am Swiss woman working in the UK and planning to have my baby in Switzerland to be closer to family.

Though, I can't find a way to be insured in Switzerland whilst living in the UK. Has anyone here gone for something similar which can give a sight?

I don't think i can register in the Gemainde whilst working in Switzerland.

Thanks!

HickvonFrick 08.01.2021 19:01

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by londonm (Post 3260277)
Hi all!,

I am Swiss woman working in the UK and planning to have my baby in Switzerland to be closer to family.

Though, I can't find a way to be insured in Switzerland whilst living in the UK. Has anyone here gone for something similar which can give a sight?

I don't think i can register in the Gemainde whilst working in Switzerland.

Thanks!

I imagine that if that is your plan you'd have to pay out of your own pocket. It'd be around the 10K CHF level for a typical birth.

A Swiss insurer is not under any obligation to insure someone who declares themselves as a non-resident and they obviously won't insure a pregnant person for the costs of giving birth voluntarily.

The alternative would be that you move back (e.g. Airbnb or with your parents) and claim Swiss residency. In such a case, your claim for residency would not be telling the truth, as your real home is in the UK, and so the insurance contract would not be valid.

If you think about it, what you are asking for is to not pay any Swiss taxes, but for the Swiss taxpayer to fund your medical costs. Clearly this isn't allowed. Its the same the other way around. As a British person living in Switzerland I can't just waltz back to the UK and use the NHS when I feel like it.

Ace1 08.01.2021 19:27

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by HickvonFrick (Post 3260313)
Clearly this isn't allowed. Its the same the other way around. As a British person living in Switzerland I can't just waltz back to the UK and use the NHS when I feel like it.

Not true. There's no requirement to be a British resident to receive care under the NHS.

HickvonFrick 08.01.2021 19:32

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Ace1 (Post 3260328)
Not true. There's no requirement to be a British resident to receive care under the NHS.

Ok - but I would have to pay!

Incidentally I wonder what would happen if I were to pick up the letter inviting me for a vaccination in the UK (I am still registered at the GP) and turn up. The worst they could do is charge me as far as I'm aware (and that wouldn't be much).

Island Monkey 08.01.2021 19:43

Re: Health insurance in 2 countries
 
As said, you would have to register in Switzerland and then pay health insurance. Then you’d de-register soon after and stop paying health insurance....... I think the insurance company would probably be asking questions. Also you’ll be rocking up to have your baby, when all scans etc have been done in U.K. and Dr/Hospital here will know nothing about you and vice-versa.

HickvonFrick 08.01.2021 19:54

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Island Monkey (Post 3260341)
As said, you would have to register in Switzerland and then pay health insurance. Then you’d de-register soon after and stop paying health insurance....... I think the insurance company would probably be asking questions. Also you’ll be rocking up to have your baby, when all scans etc have been done in U.K. and Dr/Hospital here will know nothing about you and vice-versa.

Reminds me of when we had our first child. My wife INSISTED that she would be going to a hospital 20 miles away (which would involve going through inner london) to give birth. We went there for scan after scan.

When she went into labour fast we barely got to the local hospital half a mile a way on time (she gave birth 90 minutes after getting through the front door).I could see it a million miles off but she wouldn't have it. The staff were wonderful despite us being completely unexpected. And she had uncontrolled gestational diabetes that made it a notionally complicated delivery.

If I didn't put my foot down she'd have in the pushing phase in the Taxi.

Ace1 08.01.2021 20:05

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by HickvonFrick (Post 3260333)
Ok - but I would have to pay!

.

Pretty sure you wouldn't, you know.

kri 08.01.2021 20:25

Re: Health insurance in 2 countries
 
Are you currently pregant?

If not you could buy international insurance, like CIGNA. They cover you worldwide with or without US. Its expensive though. Just depends on your outlook.

If you are currently pregnant then indeed the only way would be to travel back, register as a resident, deliver in a local public hospital (if you are pregnant the private insurance will not cover you) and then deregister later.

The issue is also, you would have to preregister baby also with insurance to be covered for complications during birth. Also, god forbid but it happens, if the baby were to need an ICU stay or have complications, perhaps its better to have the baby in your country of residence and start treatment there etc.

All in all, please think through whether you would want to have the need ot travel here at 8 months pregnant with all that is going on to carry out such plan.

qwertz 08.01.2021 20:26

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by londonm (Post 3260277)
Hi all!,

I am Swiss woman working in the UK and planning to have my baby in Switzerland to be closer to family.

Though, I can't find a way to be insured in Switzerland whilst living in the UK. Has anyone here gone for something similar which can give a sight?

I don't think i can register in the Gemainde whilst working in Switzerland.

Thanks!

Easy, show your EHIC card and enjoy the free birth paid for by the NHS

Belgianmum 08.01.2021 20:28

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Ace1 (Post 3260359)
Pretty sure you wouldn't, you know.

He wouldn’t have to pay for outpatient care, they would bill him if he was admitted to hospital.

JackieH 08.01.2021 20:31

Re: Health insurance in 2 countries
 
Especially if he was expecting a baby, as it would definitely be a planned birth and/or csection, lol- and not classed as unexpected emergency.

Belgianmum 08.01.2021 20:33

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by JackieH (Post 3260376)
Especially if he was expecting a baby, as it would definitely be a planned birth and/or csection, lol.

It would be a pretty miraculous thing if he was expecting a baby, they’d probably waive the bill in that case as they’d have loads of publicity.

JackieH 08.01.2021 20:39

Re: Health insurance in 2 countries
 
indeed, hence the lol :p

Anyhow, talking here about t'other way round- and I truly do not think there is a way. Can your mum or other family come to stay with you to help out?
Mind you, I had mine in the UK and no help- and quite enjoyed the lack of interference from anyone.

newtoswitz 08.01.2021 21:17

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by qwertz (Post 3260372)
Easy, show your EHIC card and enjoy the free birth paid for by the NHS

It doesn't include going abroad to give birth - see this page:

https://www.nhs.uk/using-the-nhs/hea...nsurance-card/

Anjela 08.01.2021 21:18

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by JackieH (Post 3260386)
indeed, hence the lol :p

Anyhow, talking here about t'other way round- and I truly do not think there is a way. Can your mum or other family come to stay with you to help out?
Mind you, I had mine in the UK and no help- and quite enjoyed the lack of interference from anyone.

I had my second in CH, hundreds of miles from my family, already with a toddler to deal with and to all intents and purposes alone. It's not fun.
Your own situation fifty+ years ago (and mine, slightly more recent but still eons ago), and that of londonm simply aren't comparable....

londonm, how far along are you? If you've still got several months to go and have no work commitments then I'd try to return now and reinstate residency. If you are still working (or for other reasons will be unable to travel until just before the birth) then sensibly it really would be better to either ask your mother? to travel to be with you, or resign yourself to coping in London with just the father (assuming he's around) as your immediate support.

Bear in mind that even in 'normal' times most airlines won't accept you as a passenger once you're 36 weeks pregnant, and traveling now really might not be the best of ideas.
Otherwise; the swiss health service won't turn you away during labour, but personally I'd stay put until this mess is over with.

Medea Fleecestealer 08.01.2021 22:04

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Ace1 (Post 3260359)
Pretty sure you wouldn't, you know.

Pretty sure you would. Only people resident in Britain get free medical cover. British Nationals living abroad don't. They still need to produce their EHIC card from their country of residence and the NHS will then bill the insurance company. They've been tightening up on medical tourism for years now.

https://www.nhs.uk/nhs-services/visi...r-switzerland/

Island Monkey 08.01.2021 22:08

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Medea Fleecestealer (Post 3260431)
Pretty sure you would. Only people resident in Britain get free medical cover. British Nationals living abroad don't. They still need to produce their EHIC card from their country of residence and the NHS will then bill the insurance company. They've been tightening up on medical tourism for years now.

https://www.nhs.uk/nhs-services/visi...r-switzerland/

They should charge you.... but in practice, I don't think it is often done, I don't think there is a good admin system set up for billing people and it gets let slide.

Medea Fleecestealer 08.01.2021 22:21

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Island Monkey (Post 3260432)
They should charge you.... but in practice, I don't think it is often done, I don't think there is a good admin system set up for billing people and it gets let slide.

We had a job to actually get them to get the paperwork for hubby when he was in hospital there a few years ago. Took over a week before they produced it. But since then they should have been tightening up on medical tourists so I wouldn't count on getting away without having to pay in some way, be it via your insurance company or out of your own pocket.

To the OP as others have said I wouldn't even attempt to travel atm. Have your baby in the UK and don't try and come here for the birth. I get that you want to be nearer to your family at this time, but it's just not practical or safe for you and the baby.

HickvonFrick 08.01.2021 22:33

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by Medea Fleecestealer (Post 3260431)
Pretty sure you would. Only people resident in Britain get free medical cover. British Nationals living abroad don't. They still need to produce their EHIC card from their country of residence and the NHS will then bill the insurance company. They've been tightening up on medical tourism for years now.

https://www.nhs.uk/nhs-services/visi...r-switzerland/

Agreed in theory. In practice I bet if they hear a British accent they might just not ask. I've never been asked for proof of address while accessing the nhs when I lived in the UK and there is no official ID card.

HickvonFrick 08.01.2021 22:42

Re: Health insurance in 2 countries
 
Quote:

Originally Posted by kri (Post 3260371)
Are you currently pregant?

If not you could buy international insurance, like CIGNA. They cover you worldwide with or without US. Its expensive though. Just depends on your outlook.

[I]If you are currently pregnant then indeed the only way would be to travel back, register as a resident, deliver in a local public hospital (if you are pregnant the private insurance will not cover you) and then deregister later.[/I]

The issue is also, you would have to preregister baby also with insurance to be covered for complications during birth. Also, god forbid but it happens, if the baby were to need an ICU stay or have complications, perhaps its better to have the baby in your country of residence and start treatment there etc.

All in all, please think through whether you would want to have the need ot travel here at 8 months pregnant with all that is going on to carry out such plan.

I don't think that's even possible. If she has no intention of staying in Switzerland permanently she would be fraudently registering (at least arguably). Imagine god forbid there was a complication and she had to stay in hospital and racked up a huge bill. The insurance company could refuse to pay and she'd be on the hook with unlimited liability.

The fact she has a job in the uk means she would be essentially without a defence if challenged on residence.

I guess if the Swiss public hospital is her preference she should explain her plans and get written confirmation from the insurer that she would be covered. Perhaps if she were to stay for a full year of maternity leave she could be considered resident but this needs clarification.

OP: I know the Situation in the UK is desperate now with Covid and you probably feel like running home. I would too - but doing it without having firm insurance in place would be madness.


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