Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 11.05.2010, 20:00
porsch1909
 
Posts: n/a
Fine for no insurance - how much?

Hi All,

I guess this is my first swiss fine

So my wife came on the 4th of January. I got health insurance sent away for her on at the beginning of February. I got her first bill in the middle of March charged from the 1st of March.

I thought great, I don't have to pay those extra months. I did send a copy of her permit etc. to the insurance company which has her date of arrival etc. and I am positive I wrote the insurance to start on the 4th January on the form I sent away, but alas the form has a printed 1st March on it...but I was sure I changed that (this is the unfilled out version in my inbox)

Excuses aside, it's my fault. I should have alerted the insurance to the fact that I'm being undercharged etc. etc. but I got a letter today saying they are going to find me if I can't prove she was insured in this time.

So does anyone know how much the fine is for this?
Reply With Quote
  #2  
Old 11.05.2010, 20:21
higgybaby's Avatar
Forum Veteran
 
Join Date: May 2008
Location: Zurich
Posts: 1,045
Groaned at 44 Times in 28 Posts
Thanked 815 Times in 422 Posts
higgybaby has a reputation beyond reputehiggybaby has a reputation beyond reputehiggybaby has a reputation beyond reputehiggybaby has a reputation beyond reputehiggybaby has a reputation beyond repute
Re: Fine for no insurance - how much?

Quote:
View Post
Hi All,

I guess this is my first swiss fine

So my wife came on the 4th of January. I got health insurance sent away for her on at the beginning of February. I got her first bill in the middle of March charged from the 1st of March.

I thought great, I don't have to pay those extra months. I did send a copy of her permit etc. to the insurance company which has her date of arrival etc. and I am positive I wrote the insurance to start on the 4th January on the form I sent away, but alas the form has a printed 1st March on it...but I was sure I changed that (this is the unfilled out version in my inbox)

Excuses aside, it's my fault. I should have alerted the insurance to the fact that I'm being undercharged etc. etc. but I got a letter today saying they are going to find me if I can't prove she was insured in this time.

So does anyone know how much the fine is for this?
Everyone living here has to have some sort of healthy insurance and this is a common mistake.
I tried to get away with it when I first came here and you just have to backdate payments to when the individual's permit started. Don't think there's a penalty. I haven't needed touse it once since I've been here /

If it's a big cost you can spread the catch up over a few months.
Reply With Quote
  #3  
Old 11.05.2010, 20:34
Junior Member
 
Join Date: May 2007
Location: vaud
Posts: 65
Groaned at 1 Time in 1 Post
Thanked 7 Times in 5 Posts
Arianne has no particular reputation at present
Re: Fine for no insurance - how much?

Assuming your a uk citizen, isn't there someway that you could say that your wife's E111 was covering her for this period?
Reply With Quote
  #4  
Old 11.05.2010, 20:34
Callyandtorse's Avatar
Member
 
Join Date: Jan 2007
Location: Hinwil,ZH
Posts: 153
Groaned at 7 Times in 6 Posts
Thanked 60 Times in 36 Posts
Callyandtorse has made some interesting contributions
Re: Fine for no insurance - how much?

in the UK you have a national insurance card , it covers you for up to one year i think ,after you leave the country .do you have anythink like this ?
Reply With Quote
  #5  
Old 11.05.2010, 20:53
porsch1909
 
Posts: n/a
Re: Fine for no insurance - how much?

Quote:
View Post
Everyone living here has to have some sort of healthy insurance and this is a common mistake.
I tried to get away with it when I first came here and you just have to backdate payments to when the individual's permit started. Don't think there's a penalty. I haven't needed touse it once since I've been here /

If it's a big cost you can spread the catch up over a few months.
I do hope there is no fine. It was a genuine mistake, since I did get my insurance done back in October fine. The letter from the canton says her insurance company is assura though. I signed her up with wincare sanitas though. Perhaps they are the same company under a different name?

Quote:
View Post
Assuming your a uk citizen, isn't there someway that you could say that your wife's E111 was covering her for this period?
Quote:
View Post
in the UK you have a national insurance card , it covers you for up to one year i think ,after you leave the country .do you have anythink like this ?
She does have a national insurance card. But I think it's the EHIC that you mean.

She was a british citizen at the time. But she travelled on a non-EU passport because she didn't have her UK passport yet. I know all very confusing.
Reply With Quote
  #6  
Old 12.05.2010, 00:43
Junior Member
 
Join Date: Apr 2008
Location: Geneva
Posts: 68
Groaned at 2 Times in 1 Post
Thanked 4 Times in 4 Posts
Iggy has no particular reputation at present
Re: Fine for no insurance - how much?

Thats a bit strange, i wasn't fined - they just forcibly enrolled me with Helsana!
Reply With Quote
  #7  
Old 12.05.2010, 01:00
porsch1909
 
Posts: n/a
Re: Fine for no insurance - how much?

Quote:
View Post
Thats a bit strange, i wasn't fined - they just forcibly enrolled me with Helsana!
I'm pretty sure there was something about an extra supplement in the letter. My French is terrible though.

Will confirm tomorrow.
Reply With Quote
  #8  
Old 12.05.2010, 11:09
swissbob
 
Posts: n/a
Re: Fine for no insurance - how much?

Quote:
View Post
Assuming your a uk citizen, isn't there someway that you could say that your wife's E111 was covering her for this period?
Quote:
View Post
in the UK you have a national insurance card , it covers you for up to one year i think ,after you leave the country .do you have anythink like this ?
Neither apply once a person becomes registered as resident in Switzerland.
Reply With Quote
  #9  
Old 12.05.2010, 11:26
10:30's Avatar
Senior Member
 
Join Date: Apr 2008
Location: Basel
Posts: 472
Groaned at 5 Times in 4 Posts
Thanked 509 Times in 194 Posts
10:30 has a reputation beyond repute10:30 has a reputation beyond repute10:30 has a reputation beyond repute10:30 has a reputation beyond repute
Re: Fine for no insurance - how much?

If there's one thing I've learned about Swiss bureaucracy it's that all these rules that they make are valid all the time and in every case, unless you get someone on a nice day. I managed to avoid paying over a years worth of krankenkasse by shopping around. I finally found one (not the cheapest one by far) that was willing to fudge the dates a little so I didn't have to backpay all those premiums.

It can be done!
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
Professional Indemnity Insurance & Public Liability Insurance Juliette*J Insurance 10 29.06.2016 21:10
Insurance questions - can I switch back to standard insurance from Hausartzinsurance Dietiker Insurance 3 12.05.2010 16:21
Parking fine magyir Transportation/driving 6 09.06.2009 17:15
Fine Dining raincookie Entertainment & dining 17 17.10.2008 08:51
Can I get a FINE for this? galvatron Transportation/driving 3 28.05.2008 12:27


All times are GMT +2. The time now is 12:27.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2023, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0