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Old 21.08.2021, 16:57
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Special Case - Master Student with part time work

Hello together,

I will be starting my masters degree in CH and also will work part time at a Zurich bank on an "on call" basis probably 1-2 days / week.

I guess that if I would stay <15h/week (which I am eligible to work with my student permit) I would fall under the radar for the mandatory health insurance and could insure myself with a cheap insurer such as swisscare?

However, my contract is on call base and my employee wants me to have the permit that I could also work more per hours in order to guarantee a higher level of flexibility.

Now the problem is that I don't know how long the employment will be since it is project based. I hope I can stay there till the end of my time in Switzerland but who really knows.

This presents me with following issues:

1) if I know settle with one of the more expensive "normal" insurances, will I be able to easy switch to a cheaper plan if I don't have a side job anymore?

2) paying >2 grand in insurance per year given the amount of healthcare I actually receive is pretty nuts for having a part time job that demands 1-2 working days per week. I literally pay the same amount for the insurance than someone earning for instance uhm ... 200 grand +? Coming from an EU state where insurance is payed by the employer/employee based on income this pretty much bugs me up.

How would you rate the chance of receiving a prämienverbilligung? And how complicated is this process? I read countless of things online. One post in this forum many years ago mentioned that someone got their residency status permitted because applying for the Verbilligung? I recall that I had to sign somewhere that I receive more $$$ than a sozialhilfeempfänger in Switzerland. What if I now go for the prämienverbilligung and say that I only make around 1500 chf per month?

Anyway I would be happy for any inputs!

Cheers
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Old 21.08.2021, 18:37
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Re: Special Case - Master Student with part time work

Edit: reformulating the most pressing issue - can I use insurance like swisscare if I work besides my studies but only for a very limited amount? <50% I find absolutely no guidance on that whatsoever.
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Old 21.08.2021, 18:48
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Re: Special Case - Master Student with part time work

If you have a "work" permit then you won't be a student, plain and simple. The rules are clear - students are only allowed to work a maximum of 15 hours per week during term time. Find another job if the employer won't accept that restriction. Or give up your studies. Also, if you're a non-EU national you're not allowed to work for the first 6 months of your course.
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Old 21.08.2021, 21:46
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Re: Special Case - Master Student with part time work

I am an EU national. So if I stay below the 15h boundary I should be ok?
Going to call the city on monday.
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Old 21.08.2021, 21:59
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Re: Special Case - Master Student with part time work

Quote:
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I am an EU national. So if I stay below the 15h boundary I should be ok?
Going to call the city on monday.
Should be.
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Old 22.08.2021, 08:17
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Re: Special Case - Master Student with part time work

With these insurers like swisscare ... do they also give out AHV Numbers?
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Old 23.08.2021, 17:22
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Re: Special Case - Master Student with part time work

The only one that can answer to your case, with or without any inference from anedoctal german knowledge you may have, is this office:

Gesundheitsdirektion Kanton Zürich
Prämienverbilligung /
Versicherungsobligatorium

043 259 24 38

(or find here the appropriate cantonal office
https://www.bag.admin.ch/dam/bag/de/...efreiung-d.pdf )

At worst, you obtain your student visa, you apply for the exemption because you have no income and you can prove you have another insurance offering the required coverage, you then start working, you obtain the exemption, some months afterwards you are asked to pay retroactively.

Your income will still be 12/14'000 CHF - 2500 CHF of insurance.

Pay attention to the AHV contributions, too.

https://svazurich.ch/unsere-produkte...bstaetige.html
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Old 24.08.2021, 07:26
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Re: Special Case - Master Student with part time work

Can I also call ZUR if I am based in SG?
I can already hear the „oh you have to call in SG then“
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Old 24.08.2021, 14:17
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Re: Special Case - Master Student with part time work

Quote:
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Can I also call ZUR if I am based in SG?
I can already hear the „oh you have to call in SG then“
Then why do you ask?
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