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Old 20.03.2007, 11:59
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Insurance for non-EU applying for B-dependant permit

Hi all,
I've scanned this Insurance forum, but didn't find something relating to my case, except that one time Richard was discussing his situation being a foreigner (not a foreign student), and he was wondering whether he could be elligible for a www.SwissCare.ch covering.

My case is rather similar, but not 100%.

Situation
I am applying for a Permit for "Family regroupment/gathering", since my wife is working here with a B permit. The "Population service" of my Canton has asked me to provide a
- Monthly amount of a Health Insurance (Assurance maladie)

From 01.01.2007 until now, I am
- Jobless, still seeking for a Swiss job (I actually had one in France, but then people say that I cannot cross the Swiss border to go there)
- Under no Health Insurance (just to save the money) (in 2006, when I was working as a Trainee/Student, I bought a French Insurance (http://www.assistance-etudiants.com/) from Paris for 45Eu/month)

Questions:
-
With this "Application for family regroupment" (Demande de regroupement familial), what should be my permit ? Normal B, B-Dependant? Will I be elligible to work normally.
- Being jobless, paying for 181 CHF/month for Health Insurance for me is a big amount. What are the other (less expensive) choices??? I guess that Swiss Authorities don't want me to use a foreign insurance like Assistance-etudiants.
- What should my Health Insurance cover ? From Jan.01.2007 until at least June. 01. 2007 or from now (March.01.2007 to sometime) ?

Thanks for your spending time with me, forum buddies

RS
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Old 20.03.2007, 13:57
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Re: Insurance for non-EU applying for B-dependant permit

You can use foreign insurance, you just need to explain to the swiss government why you have it and show proof that you have it. I have tradiconsult, which is CHF 960/year and is for people who relocated to Switzerland for training. You might want to contact them. I had an lab accident shortly after I moved here and they paid the entire CHF 50,000 bill with no complications whatsoever.
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Old 20.03.2007, 14:42
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Re: Insurance for non-EU applying for B-dependant permit

Quote:
I have tradiconsult, which is CHF 960/year and is for people who relocated to Switzerland for training. You might want to contact them. I had an lab accident shortly after I moved here and they paid the entire CHF 50,000 bill with no complications whatsoever.
Are you sure it was Tradiconsult who footed the bill? I also had a lab accident a few years ago while working as a trainee in Switzerland, but it wasn't paid for by my private insurance because accidents (particularly at-work accidents) are already covered by your employer's accident insurance.

All I had to do was fill in an accident report form, and they (or rather, my employer's accident insurance) took care of the rest. The fact that the bill was covered 100% makes me suspect it was your employer's insurers that paid, because with private insurance you'd have had to pay a deductible, plus a percentage of fees once the costs went over a certain limit.

Anywho. Just curious.

HeatherM
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Old 20.03.2007, 14:57
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Re: Insurance for non-EU applying for B-dependant permit

I'm positive it was tradiconsult that footed the bill. The way I qualify for their insurance is that I'm not an employee of the university I work for technically. I'm in Switzerland for "training." I have a postdoctoral fellowship from the US and therefore am not covered by the work insurance. I was told specifically when I began my post-doc that since I am not an employee their work insurance would not cover me. My deductible (CHF 300) came out of the money I paid for my ambulance ride. Tradiconsult is great as in there is no limit to payment for hospital stays or surgery etc. My bill was covered 100% by tradiconsult.
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Old 20.03.2007, 15:02
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Re: Insurance for non-EU applying for B-dependant permit

Thanks for clarifying. I think this will be very useful information for people who move here and have an employment situation similar to yours! Too bad I can't get insurance for 960.- CHF/year...

Cheers,

HeatherM
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Old 20.03.2007, 15:33
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Re: Insurance for non-EU applying for B-dependant permit

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T Too bad I can't get insurance for 960.- CHF/year...
HeatherM
HeatherM,

I guess that you are not a Trainee/Student.

You can still use Assurance-Etudiants's insurance http://www.assistance-etudiants.com/fr/page/globe_rates, 100% reimbursement.
45 Euro/month (if you are non-EU) or 25Euro (if you are Eu), the only drawback: you have to pay yourself first, and get the imbursement later by sending the bill to Paris.

For my case, since I am WAITING for my permit to be approved, I am unsure whether I could use that Cheap 45Euro/month French insurance or not?
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