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Old 21.01.2021, 19:49
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Health insurance exception - how likely?

Dear all, I know that this might end up people basically bashing me for being uninformed, stupid, or similar. However, as I am not having the best time of my life right now, I hope some of you might show some understanding and help me with the right information.

My story begins some 3 years ago when I came here to study. As an EU student, I was excepted from obligatory Swiss insurance, instead could use my country's own. After three years, my studies were over and the exception from insurance ended. I heard from some sources (more than one, really) that there is a 3 months period of not being charged health insurance after studies. I was being said that this is the same with coming to CH - for some time you can simply be without insurance.

After my studies ended, I got some letters which said that I need to choose Swiss insurance. I replied to them that I would like to have this period of exception, I guess there was a misunderstanding and they sent my inquiry to KVG and they should decide if I can have another period of not being charged but being able to use my country's health insurance. The inquiry is now in status "Eingegangen", already 50 days by now.

As I did not find a job here and my short-term L visa will end soon, I decided to go back end of January.

My question is, was I completely wrong about this 3-months-period? Do I stand any chance that I will not be charged for this period regarding health insurance? Will I be even punished and have to pay extra?

I am sorry for such a long text, I hope someone knows these things and will be nice and help.
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  #2  
Old 21.01.2021, 20:26
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Re: Health insurance exception - how likely?

What I did not mention, the permit I got after studies was "L" (Aufenthalt zur Stellensuche) and I had it from the end of October till the end of February.

Exceptions are not that uncommon, I guess:

https://www.zh.ch/de/gesundheit/kran...ngsgesuch.html
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Old 21.01.2021, 20:35
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Re: Health insurance exception - how likely?

But, and correct me if I’m wrong but you have been covered by health insurance since your studies ended.
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Old 21.01.2021, 20:44
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Re: Health insurance exception - how likely?

There is no 3 month exemption. You have 3 months in which to find insurance, it will be back dated though, so you pay from day 1.
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Old 21.01.2021, 21:22
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Re: Health insurance exception - how likely?

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But, and correct me if I’m wrong but you have been covered by health insurance since your studies ended.
No, as I was now I can say falsely advised that there is such a 3-months-period. I was just here and thinking how lucky I am to know about that.
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Old 21.01.2021, 21:23
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Re: Health insurance exception - how likely?

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There is no 3 month exemption. You have 3 months in which to find insurance, it will be back dated though, so you pay from day 1.
Yeah slowly I realized that. Do you know how likely is to get freed from the insurance?
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Old 21.01.2021, 21:30
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Re: Health insurance exception - how likely?

Go to your Gemeinde, sign out and tell them you’re leaving. If you’re lucky, they’ll not notice the health insurance thing. If you’re unlucky, you’ll be billed until the end of this month.
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Old 21.01.2021, 21:35
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Re: Health insurance exception - how likely?

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Go to your Gemeinde, sign out and tell them you’re leaving. If you’re lucky, they’ll not notice the health insurance thing. If you’re unlucky, you’ll be billed until the end of this month.
Yeah I already send an email to KVG. I probably don't have any chance to avoid it now. Slow as they are, they will probably know it all within the week.

Does leaving the country really makes my problems go away just like that? Shouldn't then they send it to my home country? What if I decide to go back here one day?
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Old 21.01.2021, 21:39
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Re: Health insurance exception - how likely?

I had no insurance for years, but that was before they made it obligatory in 1997.

Tom
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Old 21.01.2021, 21:43
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Re: Health insurance exception - how likely?

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I had no insurance for years, but that was before they made it obligatory in 1997.

Tom
That's quite some time ago. Well, as I said, I have my country's insurance which is also valid in CH...
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Old 21.01.2021, 21:56
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Re: Health insurance exception - how likely?

If you get billed, you should pay it. You made a mistake. Don't compound it by ignoring the bill, especially if you think you might one day return to CH. But mainly do it because it is the right and ethical thing to do. Don't trade your ethics for a few months of health insurance costs. (Steps off soapbox)

Dr. M.
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Old 21.01.2021, 21:59
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Re: Health insurance exception - how likely?

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Does leaving the country really makes my problems go away just like that?
No. You are liable to pay until you leave. But I do know of someone who hadn’t organised it by the time they left and nobody noticed - he was just lucky!
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Old 21.01.2021, 22:00
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Re: Health insurance exception - how likely?

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If you get billed, you should pay it. You made a mistake. Don't compound it by ignoring the bill, especially if you think you might one day return to CH. But mainly do it because it is the right and ethical thing to do. Don't trade your ethics for a few months of health insurance costs. (Steps off soapbox)

Dr. M.
This because they could issue a debt notice against you if you don't pay what you owe which might make things difficult if you want to get a new job here.
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Old 21.01.2021, 22:09
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Re: Health insurance exception - how likely?

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This because they could issue a debt notice against you if you don't pay what you owe which might make things difficult if you want to get a new job here.
Yes, I am aware of this. I am a person who cannot sleep if I realize I did not water the plants, so of course, I will pay anything I must pay. I fully understand the ethics behind it.

I am just wondering if there is a way they will accept my country's insurance. That's my last hope. 4 months of insurance is ca. 1000 chf, trust me, not an insignificant amount for me.

Thanks for the reply.
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Old 21.01.2021, 22:12
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Re: Health insurance exception - how likely?

Did you de-register officially at your Commune/Gemeinde before you left? Or did you just 'leave'.
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Old 21.01.2021, 22:20
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Re: Health insurance exception - how likely?

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I had no insurance for years, but that was before they made it obligatory in 1997.

Tom
wasn't that 1994 ?
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Old 21.01.2021, 23:20
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Re: Health insurance exception - how likely?

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Did you de-register officially at your Commune/Gemeinde before you left? Or did you just 'leave'.
Not yet, I will do it probably tomorrow. I was still hoping I'll find a job here.
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Old 21.01.2021, 23:26
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Re: Health insurance exception - how likely?

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Yes, I am aware of this. I am a person who cannot sleep if I realize I did not water the plants, so of course, I will pay anything I must pay. I fully understand the ethics behind it.

I am just wondering if there is a way they will accept my country's insurance. That's my last hope. 4 months of insurance is ca. 1000 chf, trust me, not an insignificant amount for me.

Thanks for the reply.
Best of luck going forward. I hope it all works out for you.

Dr. M.
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Old 22.01.2021, 00:08
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Re: Health insurance exception - how likely?

If you don't find your own insurance. they will sign you up and it might not be the cheapest option.



For the bill, you can always ask for a payment plan over several months.
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Old 22.01.2021, 00:16
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Re: Health insurance exception - how likely?

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Best of luck going forward. I hope it all works out for you.

Dr. M.
Thank you a lot. I was blessed to be in Switzerland for 3 years, but now it's time for a new chapter. Sometimes things just don't work out the way one wants.
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