Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 16.10.2009, 23:27
Trikk's Avatar
Member
 
Join Date: Oct 2009
Location: Zürich
Posts: 110
Groaned at 0 Times in 0 Posts
Thanked 28 Times in 26 Posts
Trikk has earned some respectTrikk has earned some respect
Health insurance and government help

Hi!

I have heard that when your salary isn't so high then you can ask government to help you and they will pay part of your health insurance. Has anybody any idea if it's true or how does it work?

Thanks alot!
Have a nice weekend!
Reply With Quote
  #2  
Old 16.10.2009, 23:33
Forum Veteran
 
Join Date: Dec 2007
Location: Lenk im Simmental
Posts: 1,121
Groaned at 104 Times in 63 Posts
Thanked 720 Times in 400 Posts
Keith66 has earned the respect of manyKeith66 has earned the respect of manyKeith66 has earned the respect of many
Re: Health insurance and government help

Quote:
View Post
Hi!

I have heard that when your salary isn't so high then you can ask government to help you and they will pay part of your health insurance. Has anybody any idea if it's true or how does it work?

Thanks alot!
Have a nice weekend!
Yes it is true in Zurich anyway. The kanton send letters out asking how much you earn and pay for insurance then if you are eligable they will send you a letter stating what they are willing to give you. It can be a fair amount!

Last edited by Keith66; 16.10.2009 at 23:38. Reason: Misssing letter
Reply With Quote
  #3  
Old 17.10.2009, 18:31
Blonaybear's Avatar
Forum Veteran
 
Join Date: May 2007
Location: Blonay
Posts: 1,596
Groaned at 5 Times in 5 Posts
Thanked 811 Times in 431 Posts
Blonaybear has a reputation beyond reputeBlonaybear has a reputation beyond reputeBlonaybear has a reputation beyond reputeBlonaybear has a reputation beyond repute
Re: Health insurance and government help

You should apply to your local commune (gemeinde).
Reply With Quote
  #4  
Old 17.10.2009, 18:57
Uncle Max's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Züri
Posts: 7,618
Groaned at 172 Times in 112 Posts
Thanked 8,342 Times in 3,449 Posts
Uncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond repute
Re: Health insurance and government help

For a reduction in premiums, find out if you qualify via the SVA. Site in German. One is not automatically entitled even on low incomes. If you're unemployed, the SVA would usually contact you directly. If you're registered with the RAV - which if unemployed and looking for work you really ought to be, even if you don't qualify for financial assistance - your advisor will be able to explain the system. Good luck.
Reply With Quote
  #5  
Old 18.10.2009, 11:15
Junior Member
 
Join Date: Jun 2008
Location: Home
Posts: 51
Groaned at 14 Times in 2 Posts
Thanked 11 Times in 7 Posts
atan has made some interesting contributions
Re: Health insurance and government help

I am not sure if this is considered social benefits, but wouldn't that be a problem when it comes to renewing your permit when it expires...?
Reply With Quote
  #6  
Old 25.10.2009, 18:57
Trikk's Avatar
Member
 
Join Date: Oct 2009
Location: Zürich
Posts: 110
Groaned at 0 Times in 0 Posts
Thanked 28 Times in 26 Posts
Trikk has earned some respectTrikk has earned some respect
Re: Health insurance and government help

Thanks for the advise! Atan, I was thinking that myself also, that when I do that then when it comes time to renew the visa, will they tell me that you can't manage here alone, so better leave?

My problem atm is that after moving to ZH I got huge bill (for me) from insurance (554chf) plus I have doctor's bill to pay and some other things has happened also I need to deal with. So it seems to be all too much. I didn't know that when I move to ZH that then the insurance will go up. (I know ignorance isn't reason enough, but I just didn't even know then about this forum and things you don't know to expect to happen you don't know to ask about it..well atleast not me!)
Reply With Quote
  #7  
Old 27.10.2009, 12:47
jenny's Avatar
Senior Member
 
Join Date: Aug 2006
Location: La Tour-de-Peilz (near Vevey)
Posts: 481
Groaned at 0 Times in 0 Posts
Thanked 255 Times in 118 Posts
jenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond reputejenny has a reputation beyond repute
Re: Health insurance and government help

See :

http://www.englishforum.ch/insurance...e-subsidy.html

You may be eligible for a subsidy if you are on low income or if you're a one-parent family for example.

It's worth giving it a go, you never know

N.B. They will help you with your basic insurance premiums but not with the supplementary premiums. (Basic insurance being compulsory and supplementary not)

I don't know how it affects permit renewals, sorry.
Reply With Quote
  #8  
Old 09.11.2009, 21:07
Trikk's Avatar
Member
 
Join Date: Oct 2009
Location: Zürich
Posts: 110
Groaned at 0 Times in 0 Posts
Thanked 28 Times in 26 Posts
Trikk has earned some respectTrikk has earned some respect
Re: Health insurance and government help

Thanks alot Jenny!
Reply With Quote
  #9  
Old 06.04.2011, 23:42
Ittigen
Guest
 
Posts: n/a
Re: Health insurance and government help

If you qualify, earn less than CHF 5,000 gross per month all your family will be entitled to a reduction in the premiums.

It is a Federal scheme administered by ALL the Cantons. It is NOT back dated so you should act soon. The Canton where you lived on 1st January 2011 is the relevant administrator.
http://www.supra.ch/web/supra/Conten...ides_F_D_I.pdf

The relevant office will need to have copies of all the family work /residence permits, a copy of your final tax statement for year 2009, your rental contract, your work contracts, birth certificates or Familienbuchlein, any relevant divorce papers.

http://www.jgk.be.ch/site/asvs_praem...tionsblatt.pdf

http://www.lengnau.ch/de/antragsform...icherbar-6.pdf

You, & your wife (and children still in education) are entitled provided you have a low income. You can calculate entitlement with this form
http://www.jgk.be.ch/site/berechnung..._08_2010-3.pdf

After about 6 months a decision will be made and the reduction will be back dated to the date the complete application was in the Canton office. In Bern they pay the arrears to you, and after that every month the premium reduction is paid directly to your Sickness insurance.
Reply With Quote
  #10  
Old 22.11.2016, 13:39
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 11,918
Groaned at 590 Times in 377 Posts
Thanked 11,539 Times in 5,936 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
I am not sure if this is considered social benefits, but wouldn't that be a problem when it comes to renewing your permit when it expires...?
The central government finance the premium reduction, this is administered by the Canton where you live. You should apply for the reduction at your Gemeinde / Commune, and I am quite sure it would not be calculated when assessing social help. Ask them if you are unsure.
Reply With Quote
  #11  
Old 22.11.2016, 13:55
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery-Courtion
Posts: 17,882
Groaned at 301 Times in 233 Posts
Thanked 13,146 Times in 7,535 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Health insurance and government help

Duh, I think after 7 years he's sorted it out by now.
Reply With Quote
The following 4 users would like to thank Medea Fleecestealer for this useful post:
  #12  
Old 22.11.2016, 13:58
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 11,918
Groaned at 590 Times in 377 Posts
Thanked 11,539 Times in 5,936 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Health insurance and government help

Each Canton has it's own rules and regulations, in one (Appenzell AR) you should have applied before 31st March 2016 for a reduction beginning the following year, period, after 1.1.2017...!

Only a few cantons allow back payments to the beginning of the year, but it's worth finding out!

The canton transfers the premium reductions directly to the health insurance company, for which these persons are insured. This support does not occur automatically in all cantons. It is therefore worthwhile applying to the housing commune or Gemeinde where you live, if you have a right to this benefit.

Cantonal offices and the cut off dates are published in Visana's webpage,

https://www.visana.ch/de/privatkunde...sen_und_sparen
Prämien-
verbilligung

Haben Sie Anrecht auf eine Prämienverbilligung?

Then click on your canton for all the details... Google translate is useful..
Reply With Quote
  #13  
Old 22.11.2016, 13:59
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 15,688
Groaned at 253 Times in 214 Posts
Thanked 13,123 Times in 7,372 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
The central government finance the premium reduction, this is administered by the Canton where you live. You should apply for the reduction at your Gemeinde / Commune, and I am quite sure it would not be calculated when assessing social help. Ask them if you are unsure.
It counts as social benefits, this could be problematic when applying for a C permit. In Switzerland people are expected to pay for themselves & not be a burden on the state.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #14  
Old 22.11.2016, 14:27
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 9,860
Groaned at 149 Times in 131 Posts
Thanked 13,750 Times in 5,584 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
It counts as social benefits, this could be problematic when applying for a C permit.
When children reach 18, they have to fill in a tax return. If they're not working full time and getting reasonably well paid, they'll get help with their premiums. Most kids will either be in full time education or they will be on an apprenticeship. If it counted as social benefits, then no non-Swiss who grew up here would be able to get a C permit, nor citizenship.

The payment, unlike social benefits, isn't something you can or have to pay back. It's done through the tax system. I was in receipt of it once when I put a large amount of cash into my pension fund - reducing my taxable income to the point where I qualified. If my C permit isn't renewed next February because of it, I'll be very surprised - not withstanding recent changes in Swiss law. It wasn't an issue when I first got it, nor at renewal.

Also, to get the payment, unlike the social, you don't have to have emptied your bank accounts first, nor have sold all your assets.
__________________
Witty, pithy remark pending.
Reply With Quote
This user would like to thank NotAllThere for this useful post:
  #15  
Old 22.11.2016, 14:40
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 15,688
Groaned at 253 Times in 214 Posts
Thanked 13,123 Times in 7,372 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
When children reach 18, they have to fill in a tax return. If they're not working full time and getting reasonably well paid, they'll get help with their premiums. Most kids will either be in full time education or they will be on an apprenticeship. If it counted as social benefits, then no non-Swiss who grew up here would be able to get a C permit, nor citizenship.

The payment, unlike social benefits, isn't something you can or have to pay back. It's done through the tax system. I was in receipt of it once when I put a large amount of cash into my pension fund - reducing my taxable income to the point where I qualified. If my C permit isn't renewed next February because of it, I'll be very surprised - not withstanding recent changes in Swiss law. It wasn't an issue when I first got it, nor at renewal.

Also, to get the payment, unlike the social, you don't have to have emptied your bank accounts first, nor have sold all your assets.
I suspect children in education are treated to adults in employment who cant support themselves without government assistance.

You already have a C permit, so it's irrelevant as your entitled to social help. The problem is for B permit holders who are renewing & want a C.
Reply With Quote
  #16  
Old 22.11.2016, 14:42
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 9,860
Groaned at 149 Times in 131 Posts
Thanked 13,750 Times in 5,584 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
You already have a C permit, so it's irrelevant as your entitled to social help. The problem is for B permit holders who are renewing & want a C.
OK, I'll take that bit out.

When children reach 18, they have to fill in a tax return. If they're not working full time and getting reasonably well paid, they'll get help with their premiums. Most kids will either be in full time education or they will be on an apprenticeship. If it counted as social benefits, then no non-Swiss who grew up here would be able to get a C permit, nor citizenship.

The payment, unlike social benefits, isn't something you can or have to pay back. It's done through the tax system.

Also, to get the payment, unlike the social, you don't have to have emptied your bank accounts first, nor have sold all your assets.


Just for interest, my local community (which is fabulously wealthy, but has socialist leanings) offers various helps to low income families that also do not count as social help - for example, they will pay your rent for you, without you incurring a debt, nor having to dispose of all your assets. Social help is for people who have no (or extremely low) income and is a bad thing to be on.
__________________
__________________
Witty, pithy remark pending.
Reply With Quote
  #17  
Old 22.11.2016, 14:53
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 22,243
Groaned at 1,170 Times in 917 Posts
Thanked 25,141 Times in 12,037 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
When children reach 18, they have to fill in a tax return. If they're not working full time and getting reasonably well paid, they'll get help with their premiums. Most kids will either be in full time education or they will be on an apprenticeship. If it counted as social benefits, then no non-Swiss who grew up here would be able to get a C permit, nor citizenship.
They won't get it if they live at home with working parents.

It is definitely social benefits (at least around here).

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #18  
Old 22.11.2016, 15:01
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 9,860
Groaned at 149 Times in 131 Posts
Thanked 13,750 Times in 5,584 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Health insurance and government help

Quote:
View Post
They won't get it if they live at home with working parents.
My kids are all over 18. While they live at home they have definitely received this support. Initially it was paid into their bank account (a year in arrears), but since the last 2-3 years it's been paid directly to the insurers (again, a year in arrears). They did this, because some people treated the payment into their account as income, not a tax rebate, which confused everyone.

It appears, therefore, that this is very much a cantonal thing. Perhaps my caring, sharing part of Switzerland is concerned to keep as many people as possible out of Sozialhilfe and so give tax rebates instead.
__________________
Witty, pithy remark pending.
Reply With Quote
  #19  
Old 22.11.2016, 15:21
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 22,243
Groaned at 1,170 Times in 917 Posts
Thanked 25,141 Times in 12,037 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Health insurance and government help

My kids only got it once they moved out, my grilfriend lost hers when she moved in with me, as here it's based on household income.

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
  #20  
Old 22.11.2016, 15:37
Forum Veteran
 
Join Date: Mar 2011
Location: CH
Posts: 1,043
Groaned at 253 Times in 119 Posts
Thanked 688 Times in 428 Posts
Bucentaure is considered unworthyBucentaure is considered unworthyBucentaure is considered unworthy
Re: Health insurance and government help

Quote:
View Post
It counts as social benefits, this could be problematic when applying for a C permit. In Switzerland people are expected to pay for themselves & not be a burden on the state.
This is Anglo-Saxon way of thinking, which has nothing to do with a Swiss point of view.


Federal Court states:
"Leistungen der Sozialversicherungen, Prämienverbilligungen und Kleinkinderbetreuungsbei-träge werden nicht zur Sozialhilfe gezählt."


BGE 2C.448/2007 vom 20.02.2008, E. 3.4 und 2C_716/2007 vom 12.03.2008, E. 2.1





Reply With Quote
The following 6 users would like to thank Bucentaure for this useful post:
Reply

Tags
financial assistance, premium reductions, sva




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 zeirtz Insurance 11 23.08.2016 13:01
Health Insurance vs. Travel Insurance abbey712 Insurance 7 07.01.2010 08:01
Health Insurance sys4cad Daily life 2 02.09.2009 20:59
health insurance or travel insurance?? Alinajane Insurance 7 27.04.2007 18:33


All times are GMT +2. The time now is 06:01.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0