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Old 30.01.2007, 17:34
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Krankenversicherung [health insurance] - backdated premiums?

I moved here almost a month ago, but my 'B' Bewelligung was issued in November. After moving, we have had problems moving into the rental flat, we had signed the contract for - which is still pending, so a lot of stuff which depends on the address got delayed.

However, the question I have is:

The health Insurance Co. is telling me that my premiums will start from the day I am registered with the Gemeinde, whereas I was given to understand that I need to buy an insurance anytime within 3 months of moving here. Does that entail beginning the insurance from the day of the move itself, as for me that would mean paying out for 2.5 months that have already elapsed.

Does anyone know about any of this?
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Old 30.01.2007, 17:39
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Re: Krankenversicherung - backdated premiums?

Yes, I'm afraid you will have to pay from your registration which includes the 2.5 months.
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Old 30.01.2007, 18:36
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Re: Krankenversicherung - backdated premiums?

Quote:
I moved here almost a month ago, but my 'B' Bewelligung was issued in November. After moving, we have had problems moving into the rental flat, we had signed the contract for - which is still pending, so a lot of stuff which depends on the address got delayed.

However, the question I have is:

The health Insurance Co. is telling me that my premiums will start from the day I am registered with the Gemeinde, whereas I was given to understand that I need to buy an insurance anytime within 3 months of moving here. Does that entail beginning the insurance from the day of the move itself, as for me that would mean paying out for 2.5 months that have already elapsed.

Does anyone know about any of this?
Strictly speaking the health insurance company as already said is correct but if you complain it is not unheard of for them to reduce the fee for the first three months. So give it a go and good luck!
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Old 30.01.2007, 19:25
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Re: Krankenversicherung - backdated premiums?

Is it comforting to know that if you had gotten sich in those 2.5 months you would have been covered before even signing up? No I guess not so much....
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Old 30.01.2007, 20:50
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Re: Krankenversicherung - backdated premiums?

Hi

FYI - I used AXA from the UK to cover me here and they gave me the first 2 months free and it is a little cheaper. Cover appears to be similar (though let me know if i made a booboo) and even better in a few areas - eg some dental/optical and it is a little cheaper than the cheapest deal i found here.

also try www.comparis.ch - its an objective website where you can search for the best/cheapest insurance deal to suit what you are looking for.

`fromage`
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Old 30.01.2007, 22:04
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Re: Krankenversicherung - backdated premiums?

Quote:
Hi

FYI - I used AXA from the UK to cover me here and they gave me the first 2 months free and it is a little cheaper. Cover appears to be similar (though let me know if i made a booboo) and even better in a few areas - eg some dental/optical and it is a little cheaper than the cheapest deal i found here.

also try www.comparis.ch - its an objective website where you can search for the best/cheapest insurance deal to suit what you are looking for.

`fromage`
Comparis is paid for by companies who advertise and offer premium values etc

It's useful but not absolutely impartial.

Also some quotes are very low until you add stuff back on that may be standard with another company - I forget details but I looked last year about changing and ended up not doing so.
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Old 13.02.2007, 10:25
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Re: Krankenversicherung - backdated premiums?

Does this mean that i am cover by insurance from the date we were registered because i had an accident 3 days later but still have not arranged insurance.
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Old 13.02.2007, 10:29
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Re: Krankenversicherung - backdated premiums?

Quote:
Does this mean that i am cover by insurance from the date we were registered because i had an accident 3 days later but still have not arranged insurance.
do you have a job or did you have a job when the accident happened? Typically your employer covers this contribution.
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Old 13.02.2007, 19:09
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Re: Krankenversicherung - backdated premiums?

No, my wife is here to work and her company has applied for my resident permit, not even sure when they applied, they were supposed to submit the application in November , but we are not sure they did as we had ti sign some forms last thursday. I applied for my visa seperately and drove to france to pick it up last tuesday.

I'm up for over a grand so far.
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Old 14.02.2007, 15:38
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Re: Krankenversicherung - backdated premiums?

I have heard about this problem on previous threads.
I arrive in early August but my permit was not issued till end of October 2006. When i applied for my health insurance using comparis.ch they issued my insurance back dated to August 2006. I got one of the Swiss people I work with to call "Avenex" my insurer and told them that I had been covered by my travel insurance and that I couldnt get medical insurance earlier as my permit hadnt been issued to end of October.
They promptly agreed to waiver the premiums and reissued the policy as of 01 November, no questions asked. So the moral of my story is that it maybe worth trying to contact your insurer and explain the situation. Who knows unless you try!
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Old 14.02.2007, 16:10
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Re: Krankenversicherung - backdated premiums?

Quote:
No, my wife is here to work and her company has applied for my resident permit, not even sure when they applied, they were supposed to submit the application in November , but we are not sure they did as we had ti sign some forms last thursday. I applied for my visa seperately and drove to france to pick it up last tuesday.

I'm up for over a grand so far.
you will (likely) be covered by your insurance company as you personally are resposible for your accident coverage.

of course you then must factor in your deductable and potentially them asking for you to pay a percentage.
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Old 18.06.2018, 14:59
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Re: Krankenversicherung [health insurance] - backdated premiums?

Hi there, would really appreciate some help. I've made a terrible mistake - I have been in Switzerland 3 years now with no health insurance. I basically didn't get it because I couldn't afford it, was an intern in Finance (but nothing to do with school) earning 24,000 for the first half then 30,000 CHF.

Now I have a grown up job and they've finally clarified my address (their mistake) they want to know who my premiums are with... Can anyone help me here? What can I do? Backdating 3 years sounds terrifying!

Thanks

A
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  #13  
Old 18.06.2018, 15:23
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Re: Krankenversicherung [health insurance] - backdated premiums?

I think the only realistic solution is to come clean with the authorities. There is no plausible excuse for being without insurance for 3 years that theyíll accept.

Did you have any health coverage at all? From your home country, perhaps? Anything that you could show them might help.

Anything that wonít immediately scream to them that you were trying to cheat the system? A screw up on your address wonít cut it, even if itís their fault.
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Old 18.06.2018, 16:03
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Re: Krankenversicherung [health insurance] - backdated premiums?

That's my thinking - I unfortunately didn't have any. My idea is to just come clean, hands up and see what the outcome will be.

Unfortunately Nothing, I did have my student insurance for the first 3 months from home, par that, nothing.

Hands up.. no m ade up excuses my end, just laziness and funding at the time!

Cheers Sandgrounder
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Old 18.06.2018, 16:08
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Re: Krankenversicherung [health insurance] - backdated premiums?

Good luck. Hope the solution isnít too painful.

Also, didnít your employer cover your accident insurance? Itís a legal requirement.
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Old 18.06.2018, 16:30
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Re: Krankenversicherung [health insurance] - backdated premiums?

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That's my thinking - I unfortunately didn't have any. My idea is to just come clean, hands up and see what the outcome will be.

Unfortunately Nothing, I did have my student insurance for the first 3 months from home, par that, nothing.

Hands up.. no m ade up excuses my end, just laziness and funding at the time!

Cheers Sandgrounder
Just apply for insurance & give the details to the geminate, no need to cause additional problems for yourself.
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  #17  
Old 18.06.2018, 18:21
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Re: Krankenversicherung [health insurance] - backdated premiums?

Thanks guys - Taking the appropriate actions now.

I had the basic cover that the company provided that was compulsory with my pension.. not the mandatory health insurance.
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Old 18.06.2018, 22:39
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Re: Krankenversicherung [health insurance] - backdated premiums?

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Thanks guys - Taking the appropriate actions now.

I had the basic cover that the company provided that was compulsory with my pension.. not the mandatory health insurance.
The mandatory insurance isn't really mandatory for 100% of people. Some company insurance plans are within the rules. It could be that your company's insurance was sufficient since it was mandatory for the pension plan and has already been approved by the government.

Another possibility is that the municipality signed you up for insurance since you didn't have it, and you never noticed or got any paperwork. Seems unlikely though.

Otherwise I don't see how you managed to keep getting permit renewals without any proof of insurance.
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