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Old 08.01.2021, 17:57
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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!
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  #2  
Old 08.01.2021, 19:01
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Re: Health insurance in 2 countries

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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.

Last edited by HickvonFrick; 08.01.2021 at 19:14.
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Old 08.01.2021, 19:27
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Re: Health insurance in 2 countries

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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.
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Old 08.01.2021, 19:32
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Re: Health insurance in 2 countries

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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).
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Old 08.01.2021, 19:43
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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.
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Old 08.01.2021, 19:54
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Re: Health insurance in 2 countries

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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.
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Old 08.01.2021, 20:05
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Re: Health insurance in 2 countries

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Ok - but I would have to pay!

.
Pretty sure you wouldn't, you know.
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Old 08.01.2021, 20:25
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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.
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Old 08.01.2021, 20:28
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Re: Health insurance in 2 countries

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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.
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Old 08.01.2021, 22:04
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Re: Health insurance in 2 countries

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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/
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Old 08.01.2021, 20:26
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Re: Health insurance in 2 countries

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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
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Old 08.01.2021, 21:17
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Re: Health insurance in 2 countries

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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/
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Old 09.01.2021, 09:07
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Re: Health insurance in 2 countries

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

https://www.nhs.uk/using-the-nhs/hea...nsurance-card/
Quoting from the same link

‘But if the birth happens unexpectedly, the EHIC will cover the cost of all medical treatment linked to the birth for mother and baby.’

Very difficult to prove it was not unexpected, especially as OP has family in Switzerland.

Anyway it seems EHIC cards are no longer valid in EFTA countries (including Switzerland) from 01.01.2021 (unless you were already in a respective country before then)
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Old 09.01.2021, 09:14
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Re: Health insurance in 2 countries

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Quoting from the same link

‘But if the birth happens unexpectedly, the EHIC will cover the cost of all medical treatment linked to the birth for mother and baby.’

Very difficult to prove it was not unexpected, especially as OP has family in Switzerland.

Anyway it seems EHIC cards are no longer valid in EFTA countries (including Switzerland) from 01.01.2021 (unless you were already in a respective country before then)
Sure but if you have a plane ticket at 36 weeks and a return when the baby is 4 months pretty obvious what you set out to do. It's always the average common sense that prevails and if you travel highly pregnant then birth is not "unexpected".
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Old 09.01.2021, 11:13
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Re: Health insurance in 2 countries

why this discussion re NHS. OP is entitled to use NHS as a UK resident- but wants to come and give birth in CH, where she is not. And, as much as I sympathise with her wanting to be close to family- as a UK resident, this is not possible. Unless she returns on time and becomes resident here again and take Swiss health Insurance.
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Old 09.01.2021, 11:38
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Re: Health insurance in 2 countries

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Quoting from the same link

‘But if the birth happens unexpectedly, the EHIC will cover the cost of all medical treatment linked to the birth for mother and baby.’

Very difficult to prove it was not unexpected, especially as OP has family in Switzerland.

Anyway it seems EHIC cards are no longer valid in EFTA countries (including Switzerland) from 01.01.2021 (unless you were already in a respective country before then)
I think unexpected means something like she visits for 2 weeks at 32-34 weeks and the baby arrives very early then.
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Old 09.01.2021, 11:52
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Re: Health insurance in 2 countries

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I think unexpected means something like she visits for 2 weeks at 32-34 weeks and the baby arrives very early then.
Indeed. If you travel to a country at 36 or more weeks pregnant it’s very difficult to claim that the birth is ‘unexpected’.
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Old 09.01.2021, 14:51
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Re: Health insurance in 2 countries

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I think unexpected means something like she visits for 2 weeks at 32-34 weeks and the baby arrives very early then.
And how on earth would you make the baby arrive exactly then when not even at term? Find a dodgy doctor who will induce a premature labour or do a non needed too early cesarean?

What a silly suggestion....
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