Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 25.04.2007, 20:49
Newbie
 
Join Date: Apr 2007
Location: Pfäffikon, ZH, Switzerland
Posts: 1
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Alinajane has no particular reputation at present
health insurance or travel insurance??

Hi all

Im new to Switzerland and the forum, and have a rather unique situation.....

I was born in New Zealand, but am also a Swiss citizen as my father was born here. I have registered as being in the country, and am told the health insurance is compulsary. However, I only plan on living and working here for a few months.

What I would like to know, is if I buy travel insurance (which will cover all medical costs), is this sufficient to keep the powers that be happy? travel insurance makes more sense as I will be making side trips around Europe and would like to be covered for lost baggage, stolen goods etc as well as my health. However, Im not keen on paying twice for health, especially as it is hideously expensive here!

The other thing I was kinda wondering....how do they regulate whether or not one has health insurance. If I decided to take my chances (obviously not a good idea, but Im just wondering here), would they know that I have no insurance cover, if i never needed to claim?

any advice would be fantastic!
Reply With Quote
  #2  
Old 25.04.2007, 21:14
muze7's Avatar
Forum Veteran
 
Join Date: May 2006
Location: Uk now after Neuchatel
Posts: 1,225
Groaned at 3 Times in 3 Posts
Thanked 148 Times in 94 Posts
muze7 is considered knowledgeablemuze7 is considered knowledgeablemuze7 is considered knowledgeable
Re: health insurance or travel insurance??

You have no choice, they have your address and will send you a bill for a random obligatory insurance company if you do not choose your own.

So if you stick your head in the sand, they will bill you around 260chf per month from the day of your registed arrival. It is wise to find one yourself as the kanton won't likely pick the cheapest insurance.

You will also need travel insurance on top of this if you travel a lot. Sorry, the Swiss make sure you cannot avoid their system..
Reply With Quote
  #3  
Old 25.04.2007, 21:35
jbrady's Avatar
RIP
 
Join Date: Apr 2007
Location: Sunny Aargau
Posts: 1,045
Groaned at 14 Times in 9 Posts
Thanked 719 Times in 359 Posts
jbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond repute
Re: health insurance or travel insurance??

In addition, based on my past (sometimes failed) attempts to claim back money for illnes from from private travel insurances, I would trust the Swiss Krankenkasse explicitly for paying out. In the UK I was with Bupa (paying more than my current Krankenkasse) for a few years until I actually had to use it - they tried every excuse to worm out of full payment. Maybe I am one of the only fans of the swiss system ?
Reply With Quote
  #4  
Old 26.04.2007, 08:02
ChrisW's Avatar
Forum Veteran
 
Join Date: Sep 2006
Location: Lausanne (or out on my bike)
Posts: 1,780
Groaned at 8 Times in 6 Posts
Thanked 856 Times in 495 Posts
ChrisW has a reputation beyond reputeChrisW has a reputation beyond reputeChrisW has a reputation beyond reputeChrisW has a reputation beyond reputeChrisW has a reputation beyond repute
Re: health insurance or travel insurance??

Quote:
View Post
You have no choice, they have your address and will send you a bill for a random obligatory insurance company if you do not choose your own.
As far as I know, this will not happen until after you have been here for three months. However, after that time you will be billed for those previous three months in addition to future months with the randomly chosen company.

Sorry, I don't know what the restrictions are on substituting Swiss health insurance with travel insurance. It is certainly possible because there was something written about it in a welcome booklet for interenational students that I read. Hopefully other people on here can providce you with more details.
Reply With Quote
  #5  
Old 26.04.2007, 08:04
Guest
 
Posts: n/a
Re: health insurance or travel insurance??

I think the basic rule is that the insurance you prospose have must satisfy at least the legal MINIMA definition. I don't think many travel insurance policies will do this.

dave


Quote:
View Post
As far as I know, this will not happen until after you have been here for three months. However, after that time you will be billed for those previous three months in addition to future months with the randomly chosen company.

Sorry, I don't know what the restrictions are on substituting Swiss health insurance with travel insurance. It is certainly possible because there was something written about it in a welcome booklet for interenational students that I read. Hopefully other people on here can providce you with more details.
Reply With Quote
  #6  
Old 26.04.2007, 22:48
muze7's Avatar
Forum Veteran
 
Join Date: May 2006
Location: Uk now after Neuchatel
Posts: 1,225
Groaned at 3 Times in 3 Posts
Thanked 148 Times in 94 Posts
muze7 is considered knowledgeablemuze7 is considered knowledgeablemuze7 is considered knowledgeable
Re: health insurance or travel insurance??

I actually tried getting out of it, with not just a travel insurance but a full insurance as an expat, and mine being much better than the Swiss. I tried proving that it satisfies all the points in the law, but kantons do not accept this, it is too complicated legally.

The absolutely only way you can get out of it is by having a European health insurance card, and you have to be a teacher or a student. Travel insurances as far as I know do not give out European health insurance cards...but check this perhaps.
Reply With Quote
  #7  
Old 27.04.2007, 08:55
Member
 
Join Date: Mar 2007
Location: bern
Posts: 190
Groaned at 1 Time in 1 Post
Thanked 24 Times in 19 Posts
aurora_borealis has no particular reputation at present
Re: health insurance or travel insurance??

Quote:
View Post
Hi all

Im new to Switzerland and the forum, and have a rather unique situation.....

I was born in New Zealand, but am also a Swiss citizen as my father was born here. I have registered as being in the country, and am told the health insurance is compulsary. However, I only plan on living and working here for a few months.

What I would like to know, is if I buy travel insurance (which will cover all medical costs), is this sufficient to keep the powers that be happy? travel insurance makes more sense as I will be making side trips around Europe and would like to be covered for lost baggage, stolen goods etc as well as my health. However, Im not keen on paying twice for health, especially as it is hideously expensive here!

The other thing I was kinda wondering....how do they regulate whether or not one has health insurance. If I decided to take my chances (obviously not a good idea, but Im just wondering here), would they know that I have no insurance cover, if i never needed to claim?

any advice would be fantastic!
I guess for a couple of months your travel insurance would be sufficient. Just as long as they would cover hospitalisations as well. I know from experience that they will cover medical costs only on an emergency basis.
Here everyone has to have a health insurance because with the expensive medical costs nobody would want to be caught with their pants down....but i don't know if there's a way for them to check if one has it or not.
Reply With Quote
  #8  
Old 27.04.2007, 17:33
magyir's Avatar
Forum Veteran
 
Join Date: Oct 2006
Location: Wallisellen
Posts: 1,594
Groaned at 7 Times in 7 Posts
Thanked 465 Times in 328 Posts
magyir has an excellent reputationmagyir has an excellent reputationmagyir has an excellent reputationmagyir has an excellent reputation
Re: health insurance or travel insurance??

Hi they do check as you'll get a reminder within a month in zurich.

I had been living here 5 yrs left on a c permit went to germany for 7 months (had German insurance) came back and got a reminder within weeks.

if u need tips on cheapest policies go to comparis.ch
Reply With Quote
Reply




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
Health Insurance FAQs heather Insurance 465 27.11.2019 20:08
Double health insurance (Progres.ch and Assistances-etudiants): I want to refuse want ennasual Insurance 10 26.04.2007 13:51
Health Insurance period expriring jamesWtc Insurance 1 21.04.2007 17:51
Pre Permit time Health Insurance barish Insurance 4 31.01.2007 17:08


All times are GMT +2. The time now is 16:11.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0