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Old 11.12.2009, 21:07
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Advice on getting [non-Swiss health] insurance accepted in canton.

Hello,

I have been satisfactorily insured by BUPA for the last 3 years I am happy with my cover and do not want to change.

I have been in Switzerland for two years. I have used my BUPA insurance in Switzerland with no problems when I had a operation on my foot. I never registered my insurance in Switzerland and thought this would be a good idea to do so I went to my regional office to present my insurance.

I received a letter today from the Vaud office explaining to me that it is not possible to be insured with my BUPA insurance in Switzerland and that I have to change to a Swiss accepted insurance by the 8th of January or else!!!! Why is this I am insured with the premium plan with BUPA my insurance covers me for everything I could imagine as I used to travel allot when I was working.

They say that there is a law where I could use my insurance but I am not eligible no further information just that. I looked on the net to try to help my case but I could not find anything just this page but is not clear http://www.asb.bs.ch/ok_zuzueger_e.pdf

Any advice and suggestions to beat this Bully

Thanks
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Old 12.12.2009, 11:36
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Re: Advice on getting [non-Swiss health] insurance accepted in canton.

The information you have been given is correct. If you are resident here you must have a Swiss health insurance and although there are exceptions to this, they are very limited.

While this may seem unreasonable to you, you need to understand how the Swiss system works. It is an extremely good system but, in order to work, everybody must be part of it.

There are certain requirements imposed on the insurers which, quite simply, a company like BUPA could not, and probably not, want to meet. For example, you are accepted for the basic health cover, irrespective of pre-existing conditions, at normal terms and your premium cannot be increased, or cover reduced, no matter how bad your health may become. The companies providing this cover are supervised by the Federal Authorities and operate on a non-profit making basis and they also contribute to general health care programs and to a fund to to ensure that, in the event of a company getting into financial difficulties, the policyholders are protected. They also have a central billing system know as TarMed.

The basic cover is very extensive and without limits on the amount you can claim. For supplementary insurance, the insurers can impose terms for pre-existing conditions but, once you have it they cannot refuse renewal or impose special terms even if you become critically ill.

You will probably have to take out a Swiss insurance but the good new is that you will be well covered in a country with excellent facilities and no worries that any future bad health will leave you uninsured.

I suggest that you contact our member Jenny who has assisted many forum members with health insurance needs.
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Old 13.12.2009, 10:05
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Re: Advice on getting [non-Swiss health] insurance accepted in canton.

After posting the above reply I realised that you had previously raised a similar question in this thread so, this situation just seems to be a continuation.

Did you resolve the situation with the Swiss policy you previously had ?
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