Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 20.04.2021, 09:52
Member
 
Join Date: Jun 2011
Location: Zurich (Uetikon)
Posts: 222
Groaned at 4 Times in 3 Posts
Thanked 194 Times in 56 Posts
Mr. Happy has earned the respect of manyMr. Happy has earned the respect of manyMr. Happy has earned the respect of many
Cheapest CH Health Insurance when living mainly abroad

Hi folks,
A friend of mine who has a C permit and is non EU plans to live half the time abroad and wants to minimise her costs in CH. Is there a cheap health insurance plan purely to fulfill her residency requirements, when most of her routine medical care can be taken care of cheaply abroad? Thanks in advance.
Reply With Quote
  #2  
Old 20.04.2021, 09:58
Forum Legend
 
Join Date: Jun 2008
Location: Zurich
Posts: 8,149
Groaned at 293 Times in 222 Posts
Thanked 18,524 Times in 6,476 Posts
k_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

You can easily compare on Comparis.
Reply With Quote
The following 2 users would like to thank k_and_e for this useful post:
  #3  
Old 20.04.2021, 10:05
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 281
Groaned at 14 Times in 8 Posts
Thanked 331 Times in 154 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

If your friend plans on spending 6 months abroad, I assume he/she is not working?

Why not putting the C permit on hold then?

Playing with being abroad for such a long time it's risky, if something happens and he/she is not able to come back (especially during these Covid times!) then he/she will lose the permit.
Reply With Quote
The following 2 users would like to thank Sinking for this useful post:
  #4  
Old 20.04.2021, 10:10
Member
 
Join Date: Jun 2011
Location: Zurich (Uetikon)
Posts: 222
Groaned at 4 Times in 3 Posts
Thanked 194 Times in 56 Posts
Mr. Happy has earned the respect of manyMr. Happy has earned the respect of manyMr. Happy has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

Correct, she is not working but will be receiving a small stipend from her husband's AHV who just passed away in Switzerland.

Quote:
View Post
If your friend plans on spending 6 months abroad, I assume he/she is not working?

Why not putting the C permit on hold then?

Playing with being abroad for such a long time it's risky, if something happens and he/she is not able to come back (especially during these Covid times!) then he/she will lose the permit.
Reply With Quote
  #5  
Old 20.04.2021, 10:24
Forum Veteran
 
Join Date: Sep 2020
Location: LaCote
Posts: 920
Groaned at 7 Times in 7 Posts
Thanked 1,616 Times in 619 Posts
Sigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

If her income is low she can apply for a premium reduction.
https://www.ch.ch/en/reductions-health-insurance/
Reply With Quote
The following 3 users would like to thank Sigh for this useful post:
  #6  
Old 20.04.2021, 11:07
Member
 
Join Date: Jun 2011
Location: Zurich (Uetikon)
Posts: 222
Groaned at 4 Times in 3 Posts
Thanked 194 Times in 56 Posts
Mr. Happy has earned the respect of manyMr. Happy has earned the respect of manyMr. Happy has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

Thank you. She has effectively no income of her own.
Quote:
View Post
If her income is low she can apply for a premium reduction.
https://www.ch.ch/en/reductions-health-insurance/
Reply With Quote
  #7  
Old 20.04.2021, 11:33
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 281
Groaned at 14 Times in 8 Posts
Thanked 331 Times in 154 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

Difficult to answer without knowing the whole situation, but if your friend has no income, does not work and only benefits from her husband's pension, will be spending the majority of her time abroad, not sure why she wants to stay in Switzerland.

You get AHV even if you live abroad.

If she is in Switzerland right now, and doesn't have enough money to get by, then she should contact her town office and ask for help.

I might be missing a crucial piece of information here
Reply With Quote
This user would like to thank Sinking for this useful post:
  #8  
Old 20.04.2021, 12:08
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 938
Groaned at 14 Times in 10 Posts
Thanked 699 Times in 396 Posts
catandmouse has earned the respect of manycatandmouse has earned the respect of manycatandmouse has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

It really depends on where your primary place of residence is. If you're not formally resident in Switzerland, you're generally not liable for, nor likely to obtain Swiss health insurance. There are exceptions for frontaliers, but that's not likely to be the case here.
When checking health insurance premiums, it's probably better to go to www.priminfo.ch, rather than Comparis, which is a commercial site. The former is government operated and more neutral.
Reply With Quote
This user would like to thank catandmouse for this useful post:
  #9  
Old 20.04.2021, 12:32
Member
 
Join Date: Jun 2011
Location: Zurich (Uetikon)
Posts: 222
Groaned at 4 Times in 3 Posts
Thanked 194 Times in 56 Posts
Mr. Happy has earned the respect of manyMr. Happy has earned the respect of manyMr. Happy has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

For some reason she likes to keep the option of her Swiss residency for now until she knows where she is heading in life later.
Quote:
View Post
Difficult to answer without knowing the whole situation, but if your friend has no income, does not work and only benefits from her husband's pension, will be spending the majority of her time abroad, not sure why she wants to stay in Switzerland.

You get AHV even if you live abroad.

If she is in Switzerland right now, and doesn't have enough money to get by, then she should contact her town office and ask for help.

I might be missing a crucial piece of information here
Reply With Quote
  #10  
Old 20.04.2021, 14:22
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,389
Groaned at 429 Times in 320 Posts
Thanked 20,832 Times in 11,040 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

Quote:
View Post
You get AHV even if you live abroad.
Will likely have to pay for CH health insurance even if moving to an EU country / UK
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #11  
Old 20.04.2021, 18:45
Forum Legend
 
Join Date: Mar 2008
Location: ZH
Posts: 7,689
Groaned at 77 Times in 63 Posts
Thanked 11,353 Times in 4,620 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

Quote:
View Post
Correct, she is not working but will be receiving a small stipend from her husband's AHV who just passed away in Switzerland.
Quote:
View Post
Thank you. She has effectively no income of her own.
From the Swiss perspective, with regard to tax and insurance, your friend definitely does have an income of her own. The AHV widow's pension is her income, and it is, and hers alone.

If this is not enough to live on, she may be entitled to top-up benefits, called Ergängzungsleistungen (as set out in one of your other threads about her, I think). This especially if she herself has attained AHV age which, at the moment, is 64 for women. However, then she is restricted on how long she can go on holiday.

As others have said, going out of the country is a risk, with regard to her permit.

With regard to your specific question about health insurance: there may be ways to reduce her monthly premium.

One way would be to cancel any extras she has beyond the basic cover. Those might include
  • semi-private or
  • private, or
  • any of the additional modules to cover things such as free choice of doctors, treatment in another canton, medication not on the standard list, psychotherapy, alternative medicine, etc..
However, this is not necessarily the wisest thing to do. Especially if she is over about 45 or 50, unless she is in perfect health, she is unlikely ever to be able to obtain such extra cover, again.

Another way would be for her to increase the self-pay part, called the franchise, from the minimum (I think it is Fr. 300) up to the maximum (Fr. 2500?), and thereby reduce her premium.
This, too, is usually only a good idea if she really has the Fr. 2500 to set aside, so that she will not find herself unable to dare to go to the doctor, for fear of the costs she would incur, within those first Fr. 2500.
Reply With Quote
The following 3 users would like to thank doropfiz for this useful post:
  #12  
Old 20.04.2021, 19:43
Forum Veteran
 
Join Date: Sep 2020
Location: LaCote
Posts: 920
Groaned at 7 Times in 7 Posts
Thanked 1,616 Times in 619 Posts
Sigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond reputeSigh has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

With only AHV as income she will have the full subside of the basic health insurance so might aswell have the lowest deductible.

Please note that any extra insurances are not covered by the subside.
Reply With Quote
This user would like to thank Sigh for this useful post:
  #13  
Old 20.04.2021, 20:10
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 30,902
Groaned at 2,228 Times in 1,655 Posts
Thanked 37,210 Times in 17,607 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

Quote:
View Post
With only AHV as income she will have the full subside of the basic health insurance.
Unless she owns a house, or anything else of value.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #14  
Old 20.04.2021, 20:24
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 281
Groaned at 14 Times in 8 Posts
Thanked 331 Times in 154 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

It's difficult to offer proper advice without knowing somebody's personal situation (age, for example, or nationality).

She must have her reasons to stay in Switzerland but, again, careful with the permit.
Reply With Quote
The following 2 users would like to thank Sinking for this useful post:
  #15  
Old 21.04.2021, 21:25
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 10,997
Groaned at 84 Times in 80 Posts
Thanked 18,430 Times in 8,234 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: Cheapest CH Health Insurance when living mainly abroad

Does she need routine care or medications? I have the impression that Swiss insurance only covers emergencies outside of Switzerland, not routine care such as GP appointments and medications.
Reply With Quote
  #16  
Old 21.04.2021, 21:46
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 281
Groaned at 14 Times in 8 Posts
Thanked 331 Times in 154 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Cheapest CH Health Insurance when living mainly abroad

Quote:
View Post
Does she need routine care or medications? I have the impression that Swiss insurance only covers emergencies outside of Switzerland, not routine care such as GP appointments and medications.
Not sure if things have changed in the last years, but back in the day, I worked abroad for one year and I indeed kept my Swiss health insurance.

However, I had to get extra coverage so I could go to the doctor (non emergencies) while abroad.

So, if anything, I paid more, not less!
Reply With Quote
Reply

Tags
c permit holder, health insurance, non eu ausweis




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
Cheapest health insurance for post-doc in Vaud Canadastudent Insurance 7 09.05.2017 20:33
whats the cheapest Health Insurance available? cocodog Insurance 12 06.11.2013 17:37
Cheapest health Insurance bravoawan Insurance 6 03.05.2013 20:15
Swiss insurance provider for health insurance abroad Azztrick Insurance 1 17.02.2013 23:31
Cheapest price for your swiss health insurance ! Lemanik Commercial 13 24.06.2010 09:54


All times are GMT +2. The time now is 08:29.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0