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Old 31.08.2009, 16:59
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L Permit and Proving health insurance

Hi, I had a 6 month L permit and the kanton wants me to show them that i was covered by health insurance either in Switzerland or abroad during the 6 month period however I had travelled a few times and seeked travel insurance with who ever i flyed with.
Also I got a UBS campus account and it included the Euro26 Swiss Mobiliar, apparently it covers you. but the only detail i can find regarding it is this PDF http://www.euro26.ch/fileadmin/uploa...ngen_de_2_.pdf

As the permit period is over, do I have to either buy or somehow prove that I have insurance for the last 6 months?
The problem is I have a new job and a request has been submitted to renew my permit for a B status which i hope doesn't delay the process.
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Old 31.08.2009, 17:10
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Re: L Permit and Proving health insurance

If you are resident then you should have a Swiss health insurance dated from the time you entered Switzerland. See this thread.

You could contact our member Jenny to arrange cover.
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Old 31.08.2009, 19:41
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Re: L Permit and Proving health insurance

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Hi, I had a 6 month L permit and the kanton wants me to show them that i was covered by health insurance either in Switzerland or abroad during the 6 month period however I had travelled a few times and seeked travel insurance with who ever i flyed with.
Also I got a UBS campus account and it included the Euro26 Swiss Mobiliar, apparently it covers you. but the only detail i can find regarding it is this PDF http://www.euro26.ch/fileadmin/uploa...ngen_de_2_.pdf

As the permit period is over, do I have to either buy or somehow prove that I have insurance for the last 6 months?
The problem is I have a new job and a request has been submitted to renew my permit for a B status which i hope doesn't delay the process.
That was travel insurance, not medical insurance.

It is likely you will have backdate your medical insurance to your entry date on your L permit.
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Old 31.08.2009, 21:24
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Re: L Permit and Proving health insurance

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That was travel insurance, not medical insurance.

It is likely you will have backdate your medical insurance to your entry date on your L permit.
For the record, there are very narrow exceptions to the obligation to have health insurance for residents of Switzerland. The main exception is at
http://www.admin.ch/ch/d/sr/c832_102.html
and relates to certain persons covered under foreign health policies deemed equivalent to the cover provided by Swiss medical insurance and the exception mainly benefits employees and retirees of international organisations and embassies although some others might qualify too.
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Old 01.09.2009, 09:47
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Re: L Permit and Proving health insurance

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For the record, there are very narrow exceptions to the obligation to have health insurance for residents of Switzerland. The main exception is at
http://www.admin.ch/ch/d/sr/c832_102.html
and relates to certain persons covered under foreign health policies deemed equivalent to the cover provided by Swiss medical insurance and the exception mainly benefits employees and retirees of international organisations and embassies although some others might qualify too.
Thanks for posting that as its interesting.

While there are certain exceptions these appear to be only for persons coming from countries within EFTA (AELE) who are students, researchers or those not having gainful employment and who have health cover provided by thier home state.

The OP has not stated in his profile where he comes from, or his employment status, although he does mention getting a new job so it seems unlikely he would not qualify for any of the exceptions.
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Old 01.09.2009, 11:23
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Re: L Permit and Proving health insurance

thanks guys for the reply, I'm from the 17-EFTA states, (Ireland to be exact ) and have a new contract however didn't know I would be here longer then 6 months so just tried to live with the travel insurance.
However this is good information to know!
I have to visit the kanton office soon as they have a 30day grace period from the date of the warning letter or this will delay my new permit request!!
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Old 01.09.2009, 15:12
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Re: L Permit and Proving health insurance

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thanks guys for the reply, I'm from the 17-EFTA states, (Ireland to be exact ) and have a new contract however didn't know I would be here longer then 6 months so just tried to live with the travel insurance.
However this is good information to know!
I have to visit the kanton office soon as they have a 30day grace period from the date of the warning letter or this will delay my new permit request!!
I suspect the originally-intended beneficiaries of the exception were international organisation employees, especially of the UN and its agencies, who get medical insurance as an employee or retiree
http://www.un.org/Depts/oppba/accoun...ligibility.htm
But the exception would also seem to apply to enrolees under FEHBA (retiree beneficiaries of such insurance, which is comparable to the Swiss model, would otherwise have double coverage -- inviting both insurers to deny or delay payment of claims on the basis that the "other" provider should pay first as "primary payer". http://www.opm.gov/insure/health/pla...res/71-005.pdf

As for the reliance by a Swiss-based worker on travel insurance (or, for that matter, auto insurance although the EU Third Motor Insurance Directive and the Green Card agreements come into play there http://www.direct.gov.uk/en/Motoring...ance/DG_067624 ) this surely violates provisions of the policy. While an insurer is likely to pay a small or routine claim, a major loss may be investigated and either the claim denied or repayment sought from the insured.

(However firmly Switzerland may be outside the EU, it can't escape major elements of EU law. The tax brouhaha is only one example of this. Insurance is another.)
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Old 01.09.2009, 19:14
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Re: L Permit and Proving health insurance

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I have to visit the kanton office soon as they have a 30day grace period from the date of the warning letter or this will delay my new permit request!!
And if they don't hear from you, they'll choose a health insurance provider for you, and it won't necessarily be the cheapest... Follow BlonayBear's link above to Insurance Jenny; she did my insurance too, is helpful in explaining all the options, and is a native English speaker.

Be prepared that your insurance cover may be backdated to when you first arrived in Switzerland (assuming you registered with a commune and got a permit then). This is common practice for people arranging cover within the 3 months' grace stipulated by law; not sure what will happen with having no cover for the first 6 months. I can't imagine you'll be in trouble at all, don't worry, but it may be a question of having to pay.

kodokan
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Old 10.09.2009, 09:16
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Re: L Permit and Proving health insurance

You dont need Health Insurance from day one... its after 3 months that you need to get it, im also on a L permitt and they sent me a letter after 2 months advising to get my Insurance sorted by end of month 3..

Jenny on here sorted it for me, bloody rip off but thats life...
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Old 10.09.2009, 12:02
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Re: L Permit and Proving health insurance

Why is the requirement to have health insurance a rip off ? Had you been in need of medical attention would you have not wanted it or have you found something that guarantees you perfect health ?
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Old 10.09.2009, 12:15
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Re: L Permit and Proving health insurance

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Why is the requirement to have health insurance a rip off ? Had you been in need of medical attention would you have not wanted it or have you found something that guarantees you perfect health ?
Compared to the NHS I'd agree it is a ripoff or at least ridiculously expensive. To cover the family here costs approx 1.5 times what I was paying in total NIS contributions in the UK - and that included other elements as well as medical.
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Old 10.09.2009, 12:58
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Re: L Permit and Proving health insurance

Your UK NHI contributions only account for a part of the cost. The rest comes from tax.

Having had, unfortunately, extensive experience of both UK and Swiss medical treatment Im in no doubt that the Swiss system is far superior and Im also reliant on a drug that is not available on the NHS but which I get here without question.
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Old 10.09.2009, 13:05
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Re: L Permit and Proving health insurance

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Your UK NHI contributions only account for a part of the cost. The rest comes from tax.

Having had, unfortunately, extensive experience of both UK and Swiss medical treatment Im in no doubt that the Swiss system is far superior and Im also reliant on a drug that is not available on the NHS but which I get here without question.
And a friends wife cannot get treatment for her chronic condition in Switzerland but has no problem in the UK.

Having had recent experience I would say that the Swiss system is efficient but not caring. I also felt the same about BUPA in the UK - it did the job but wasn't a particularly pleasant experience.
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Old 10.09.2009, 13:15
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Re: L Permit and Proving health insurance

What 'chronic condition' is not covered under the basic insurance ?
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Old 10.09.2009, 13:18
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What 'chronic condition' is not covered under the basic insurance ?
Don't know the detail but it's related to ME.
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Old 10.09.2009, 13:51
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Re: L Permit and Proving health insurance

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Don't know the detail but it's related to ME.
ME is a very difficult condition to diagnose and treat. Explanation here. However, there is no reason why treatment would not be given under the basic insurance for this condition as it is not excluded. However -
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Many patients do not fully recover from CFS even with treatment, and there is no universally effective curative option
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