Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 03.03.2021, 10:50
Iso Iso is offline
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Iso has no particular reputation at present
Health Insurance exemption rejected (EU student). Can I apply for exemption again?

Hello everyone!


I am an EU student and I am" co-insured with a person with privileges" (my parents). This category is legible for potential exemption as seen here: https://www.zh.ch/en/gesundheit/kran...tml#-369227540


Nevertheless, I do not have a European Health insurance Card since I am not insured by an EU state, but by the institutional insurance fund of the institution tha my parents work for (I do not want to disclose ). I have applied for such an exemption on September and I haven't received any reply since.


In my application I have enclosed 2 out of the 3 required documents:


  • Copy of the currently valid insurance policy / the currently valid insurance certificate
  • Confirmation of inclusion in the health insurance scheme of the institutional beneficiary
But not the last one:
  • Confirmation form V, signed and stamped by the competent authority of the institutional beneficiary / foreign / private health insurer
This is because the insurance fund of the institution doesn't want to sign and stamp the document for legal reasons... (They says that it is not regarded as private insurance company thus not enabling the to sign such documents. They don't give further details).


So, sorry for the long intro. My questions are:
  1. If my application for exemption is rejected can I apply for Swisscare? That technically counts as a second exemption application....(?). Is this allowed?
  2. Do you think I have any chances for exemption ?
Thanks a lot for the info in advance!
Reply With Quote
  #2  
Old 03.03.2021, 11:23
Forum Legend
 
Join Date: Oct 2009
Location: la cote
Posts: 3,663
Groaned at 24 Times in 15 Posts
Thanked 3,313 Times in 1,743 Posts
runningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond repute
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

What permit do you have? or do you happen to have swiss nationality?

Is the organisation your parents work for located in switzerland?

It could be that the insurance is not equivalent, thus they don't want to sign, therefore per the webpage, it is not valid exemption.
Reply With Quote
  #3  
Old 03.03.2021, 11:28
Iso Iso is offline
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Iso has no particular reputation at present
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post
What permit do you have? or do you happen to have swiss nationality?

Is the organisation your parents work for located in switzerland?

It could be that the insurance is not equivalent, thus they don't want to sign, therefore per the webpage, it is not valid exemption.

Hey thanks for answering. I have B permit. The institution is an EU institution. From what I have read on what the insurance covers world wide, it should be equivalent to the basic Swiss one... Nevertheless, the insurance fund states that is not legally allowed (whatever that means for the institution) to sign such forms, since it's not a private insurance company. They didn't state anything along the lines: "we are not signing since we do not cover the KVG requirements).
Reply With Quote
  #4  
Old 03.03.2021, 11:36
Forum Legend
 
Join Date: Oct 2009
Location: la cote
Posts: 3,663
Groaned at 24 Times in 15 Posts
Thanked 3,313 Times in 1,743 Posts
runningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond reputerunningdeer has a reputation beyond repute
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

The insurance must be LaMAL equivalent. If the organisation is not in CH, like most foreign insurances, it most likely is not swiss LaMAL equivalent. I think therein lies the problem. The organisations I know in CH are LaMAL equivalent because they have to be. Per the website, I think you are out of luck for the exemption as it requires that it be equivalent and its not.
Reply With Quote
  #5  
Old 03.03.2021, 11:37
Iso Iso is offline
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Iso has no particular reputation at present
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post
What permit do you have? or do you happen to have swiss nationality?

Is the organisation your parents work for located in switzerland?

It could be that the insurance is not equivalent, thus they don't want to sign, therefore per the webpage, it is not valid exemption.

Also, do you have any leads regarding "If my application for exemption is rejected can I apply for Swisscare? That technically counts as a second exemption application....(?). Is this allowed?"



(Is there any way to edit previous comments? )
Reply With Quote
  #6  
Old 03.03.2021, 11:47
Guest
 
Posts: n/a
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post

(Is there any way to edit previous comments? )
As a new user, no. Once you've been here a while and have made enough posts you get a three hour window after posting in which you can make corrections.

In case of real need, moderators can make changes for you - use the "report post" button to make any such request.
Reply With Quote
  #7  
Old 03.03.2021, 12:31
Iso Iso is offline
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Iso has no particular reputation at present
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post
Hello everyone!

  1. If my application for exemption is rejected can I apply for Swisscare? That technically counts as a second exemption application....(?). Is this allowed
Thanks a lot for the info in advance!

Does anyone have a clue about this? I haven't found anything on the web regarding that info :/. This is what I am most concerned with, since going to a full KVG Swiss insurance an extreme burden for me...
Reply With Quote
  #8  
Old 03.03.2021, 12:47
Forum Legend
 
Join Date: Feb 2010
Location: CH
Posts: 11,320
Groaned at 400 Times in 326 Posts
Thanked 17,318 Times in 8,766 Posts
greenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond repute
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post
Nevertheless, I do not have a European Health insurance Card since I am not insured by an EU state, but by the institutional insurance fund of the institution tha my parents work for (I do not want to disclose ). I have applied for such an exemption on September and I haven't received any reply since.
Maybe you can actually ask for an European Health Insurance card anyway. I do not see the reasons for which you are not entitled to one, unless it is a private insurance/fund.
Reply With Quote
  #9  
Old 03.03.2021, 13:44
Iso Iso is offline
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Iso has no particular reputation at present
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post
Maybe you can actually ask for an European Health Insurance card anyway. I do not see the reasons for which you are not entitled to one, unless it is a private insurance/fund.

I think I am not because I am insured by the insurance scheme/fund provided to the officers working for the EU institution (my parents). While the European Health Insurance card is provided by an EU state. I am insured by this fund not by an EU state.


Any info regarding this: "If my application for exemption is rejected can I apply for Swisscare? That technically counts as a second exemption application....(?). Is this allowed"?
Reply With Quote
  #10  
Old 03.03.2021, 18:26
Member
 
Join Date: May 2019
Location: CH
Posts: 172
Groaned at 5 Times in 4 Posts
Thanked 137 Times in 68 Posts
besmegenis has made some interesting contributions
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

In my view if your parents would work in CH for EU institution, then it has to comply with local requirements for health insurance, hence it would be all good for you.

Now if your parents work in France for example, and you as a child get the benefit of using this insurance, but decide to move to CH to study, there is no guarantee that insurance will be accepted here for exemption.

I also think you should get EHIC too, because if your parents travel from work place to another EU country, they should be insured while abroad. This special insurance/fund should match local requirements.


Quote:
View Post
I think I am not because I am insured by the insurance scheme/fund provided to the officers working for the EU institution (my parents). While the European Health Insurance card is provided by an EU state. I am insured by this fund not by an EU state.


Any info regarding this: "If my application for exemption is rejected can I apply for Swisscare? That technically counts as a second exemption application....(?). Is this allowed"?
Reply With Quote
  #11  
Old 03.03.2021, 18:56
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 1,026
Groaned at 15 Times in 11 Posts
Thanked 771 Times in 437 Posts
catandmouse has an excellent reputationcatandmouse has an excellent reputationcatandmouse has an excellent reputationcatandmouse has an excellent reputation
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

An EHIC card is not LAMAL compatible insurance. It only covers urgent medical treatment to allow you to travel home. It's a long way from what normal health insurance (LAMAL) would cover.
Reply With Quote
  #12  
Old 03.03.2021, 20:55
Iso Iso is offline
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Iso has no particular reputation at present
Re: Health Insurance exemption rejected (EU student). Can I apply for exemption again

Quote:
View Post
An EHIC card is not LAMAL compatible insurance. It only covers urgent medical treatment to allow you to travel home. It's a long way from what normal health insurance (LAMAL) would cover.

EU students with EHIC (almost) always get an exemption: https://ethz.ch/en/studies/internati...urance/eu.html


Sorry to stress this again, but does anyone have an answer to this:

"If my application for exemption is rejected can I apply for Swisscare? That technically counts as a second exemption application....(?). Is this allowed"?


This is what I am mainly concerned with at the moment.
Reply With Quote
Reply

Tags
exemption, insurance, rejection, swisscare




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
Rejected insurance exemption and next steps FTettamanzi Insurance 11 22.02.2019 11:27
Help with Health Insurance Exemption form andreasyeah Insurance 4 22.06.2017 21:16
Exemption from compulsory health insurance MatthsMatths Insurance 69 16.07.2013 12:09
Exemption of Health Insurance in CH vlad_island Insurance 17 30.09.2012 00:42
Exemption from compulsory health insurance, can I get it? giff Insurance 6 29.08.2007 21:54


All times are GMT +2. The time now is 21:05.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0