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Old 14.05.2007, 21:38
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Health Insurance for my wife & Son [moving US to Swiss]

Hi All,
I'm moving to Switzerland by 1st of July, but my family will just get there one month later (around 1st August).

I have some concerns regarding the health insurance for them, because my current employer will cancel the policy in my home country when I will be leaving... Therefor thy will not have be covered for the current insurance.

Any idea whether the Swiss health insurance will cover them during that month? I read the health policy start to be effective the day they "enter" to Switzerland

Is it easy to claim expenses done abroad?


Thanks for feedback!
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Old 20.05.2007, 12:19
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Re: Health Insurance for my wife & Son

Maybe you could ask your new Swiss employer to check directly with their insurer? That way you'll know for sure.

Good luck with the move!
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Old 21.05.2007, 11:07
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Re: Health Insurance for my wife & Son

Health insurance is compulsory here and it is private and nothing to do with your employer.
Perhaps he will assist you in finding an insurance company but that's about it, the rest is up to you.

In my opinion, what I would do, when you get an insurance company just insure everyone from the date you arrive, you are medically covered abroad here,with the insurance companies, however as your wife and son are not officially here could create a slight problem if they were really sick in the time they were not here, but if they were covered with an insurance company, it's always one risk less.

And if you insure them while they are not here, don't tell the insurance company that they are not here, let them assume that they are here.
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Old 21.05.2007, 13:26
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Re: Health Insurance for my wife & Son

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And if you insure them while they are not here, don't tell the insurance company that they are not here, let them assume that they are here.
Not sure this will work, as they will likely ask for a copy of the residence permit for the wife and child (that's what happened with me anyway).

What is your home country? If it is the US, can you COBRA their coverage for a month? Not cheap, but that would allow them to be uninterrupted in terms of coverage.
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Old 29.06.2007, 20:09
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Re: Health Insurance for my wife & Son [moving US to Swiss]

I've been here since June 1st and am trying to sort out my health insurance, but, as someone just noted, they have asked for my residence permit, which I don't yet have. However, the letter I got from the authorities intimated that I didn't need to have my residence permit before I got health insurance. Does this mean that if I tell the insurer that I am still waiting for my residence permit, they will insure me anyway? Should I be worried that I haven't yet received my residence permit (I am from UK)?

thanks,

kfc.
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Old 30.06.2007, 08:11
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Re: Health Insurance for my wife & Son [moving US to Swiss]

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I've been here since June 1st and am trying to sort out my health insurance, but, as someone just noted, they have asked for my residence permit, which I don't yet have. However, the letter I got from the authorities intimated that I didn't need to have my residence permit before I got health insurance. Does this mean that if I tell the insurer that I am still waiting for my residence permit, they will insure me anyway? Should I be worried that I haven't yet received my residence permit (I am from UK)?

thanks,

kfc.

No, don't worry, things are a bit slow at the moment with permits - and you're insurer should be able to issue your policy without the permit and add the details later.
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