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Old 16.07.2010, 19:04
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A grey area!

Hello, I need the experts' help, because all the advice (British council, U.K. NHS, Swiss Health Insurance, Immigration Bureau...) is either "don't know" or conflicting with eacht other. The facts:

Leaving U.K. on 9th August with spouse and 2 children for a permanent move to Geneva. Starting employment on 1st September. Health Insurance organised with Intra, with accident part paid by employer.

When I enquired about the "transitional period" between leaving the U.K. and starting employment and whether we were covered by our EHIC cards + travel insurance, the replies were as described in my 1st paragraph, complicated by the fact it is a permanent move and some uncertainty as to when "resident status" starts in effect.

My question: what happens if one of us needs a doctor or hospital treatment? Who covers for this transitional period?

Getting health covered for the 2 cats was a lot easier!
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  #2  
Old 16.07.2010, 19:13
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Re: A grey area!

my wife moved over last year and her NHS covered her for 1 year but only emergency treatment

start you insurance on the day of entry or they might want to back date it
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Old 16.07.2010, 19:52
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Re: A grey area!

I suppose that you could put your date of residency in Switzerland as the 1st September. Then take out an insurance policy with the UK Post Office for a family (about £90 for a year in Europe).

Doesn't the EEC111 or whatever policy cover you.
You register and get that online free in the UK if you haven't got it.
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Old 16.07.2010, 20:17
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Re: A grey area!

Come over on a tourist (ie none) visa, use standard NHS cover if necessary, start work on 1st Sept, register (take employmnt contract to govt office and get B permit), get local health insurance dated from 1st Sept.
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  #5  
Old 16.07.2010, 20:59
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Re: A grey area!

I believe that your Swiss coverage starts on the day you enter the country, not the first day of employment. That might help you. I don't know anything about the NHS, sorry to say.
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Old 16.07.2010, 21:19
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Re: A grey area!

You start paying from the month you enter Switzerland. Arrive on the 28th like we did, and you pay for the full month
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Old 16.07.2010, 21:37
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Re: A grey area!

I wish things were that simple! moving in date dictated by "Regie", not us. Juggling with dates as to when our own tenants move into our house here, journey across from U.K. with 2 kids, 2 cats and a car on its last leg.

Anyway, I have all these sound pieces of advice, but again I heard or read things contradicting them from more official sources. I really would like to know from a proper jurisdiction, legal point of view. Isn't there someone called Jenny on this forum who is an expert on these matters? I know she had done a q.a sticky, but my particular question was not covered. Jenny, where are you? HELP!

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You start paying from the month you enter Switzerland. Arrive on the 28th like we did, and you pay for the full month
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Old 16.07.2010, 21:40
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Re: A grey area!

Yup, MarieZug is right. Basic insurance is back-dated to your date of arrival and you'll be billed for the premiums from then. So no worries...you'll be covered.
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Old 16.07.2010, 21:43
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Re: A grey area!

Why does everyone say this?

You have an employment contract from 1st Septmber. From 1st September you're working in Switzerland and need local health insurance. Before that date you're on holiday. UK tourists in Switzerland don't need local health insurance - they just bring the EHIC (E111 thingy) with them.

That's how I see it, anyway.
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Old 16.07.2010, 22:02
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Re: A grey area!

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Why does everyone say this?...Before that date you're on holiday.
From the UK perspective, because they're not on holiday. They've left the UK to take up residence in Switzerland and don't plan to return anytime soon.

From a Swiss perspective because basic Swiss health insurance is compulsory for residents so residents are covered "by the system" as soon as they arrive. They start paying from then.
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Old 16.07.2010, 22:04
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Re: A grey area!

If you need to reach Jenny, best thing is to send her a PM. Search for her by user name - which is Jenny.
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Old 16.07.2010, 22:09
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Re: A grey area!

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Why does everyone say this?

You have an employment contract from 1st Septmber. From 1st September you're working in Switzerland and need local health insurance. Before that date you're on holiday. UK tourists in Switzerland don't need local health insurance - they just bring the EHIC (E111 thingy) with them.

That's how I see it, anyway.
Actually, the rule is that anyone staying in the country longer than 3 months must be covered from the day they arrive. You do also have up to 3 months to get the policy nailed down. This means that you can get the paperwork done up to 3 months after arrival, but then you'll back-pay all three months at once.

Also, if you arrive at the very end of a month, it is possible to do a sneaky little bit of manipulating to get out of paying a whole month's premium to cover 3 days. I had been planning to arrive at the end of a particular month, and I sent an email to the Federal Office of Public Health with a question to clarify whether I could ask an insurance company to charge a lower premium to cover only a few days at the end of the month. The official who answered said they do only bill premiums in monthly rates, but you have up to 8 days to register with the city officials, and the insurance usually uses your registration as proof of when you moved into the country. So, if you move in within 8 days of the end of the month, wait until the first of the month to register, and you're set.
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Old 17.07.2010, 05:38
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Re: A grey area!

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Actually, the rule is that anyone staying in the country longer than 3 months must be covered from the day they arrive. You do also have up to 3 months to get the policy nailed down. This means that you can get the paperwork done up to 3 months after arrival, but then you'll back-pay all three months at once.
Good point. But the important thing is you're covered from your date of arrival so all you have to do is store up those bills until the policy is in place and then submit them. It's worth pointing out that most folks have an excess on their policy so until you go through that you'll end up out of pocket anyway.
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Old 17.07.2010, 08:47
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Re: A grey area!

It's pretty simple...

After you arrive, you have 8 days to register at the Gemeinde.

You will have an official 'arrival' date and as someone else said, you are not a 'tourist', you are 'entering for work purposes'.

Swiss insurance coverage starts the day you arrive. You have three months to sort your insurance, but it will be backdated. You might be lucky in being able to 'fudge' your arrival date if you arrive close to the end of the month...otherwise you pay the whole month.

If you need health cover, you prove that you are a resident by showing your registration from the Gemeinde. As soon as you have health cover, if you need a doctor/hospital/emergency you show them your registration paper, tell them the health insurance provider and they probably won't even bill you up-front...

And the best bit ? Your swiss health insurance does cover treatment beyond the borders of Switzerland...and possibly a lot more than you'd expect.

put 'insurance jenny' into the forum search, and you'll find her...
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Old 17.07.2010, 15:14
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Re: A grey area!

Just so you know...my commune followed up with me a few months after my arrival and asked for proof that I'd taken out Swiss health insurance. If you consistently refuse to do it they might do it for you and then send you the bill.
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Old 17.07.2010, 15:20
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Re: A grey area!

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Just so you know...my commune followed up with me a few months after my arrival and asked for proof that I'd taken out Swiss health insurance. If you consistently refuse to do it they might do it for you and then send you the bill.
Fixed that for you...

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Just so you know...my commune followed up with me a few months after my arrival and asked for proof that I'd taken out Swiss health insurance. If you consistently refuse to do it they will do it for you and then send you the bill.
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Old 27.07.2010, 10:14
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Re: A grey area!

Hello

I have a query that is similar to the OP's.

I am looking to change jobs in the next couple of months but I would like to take 1 month off in between the two (in desperate need of a break). But I am a little concerned about the accident insurance and what would happen if I had an accident in that month.

I have basic insurance with Assura but work pays for the accident cover. What would happen in that interim period between the old job finishing and the new one starting? Would I be covered for accidents?

Any advice gratefully received

C.
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Old 27.07.2010, 10:26
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Re: A grey area!

This official information from SUVA might help if you can make sense of it.
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Old 27.07.2010, 10:38
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Re: A grey area!

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Hello

I have a query that is similar to the OP's.

I am looking to change jobs in the next couple of months but I would like to take 1 month off in between the two (in desperate need of a break). But I am a little concerned about the accident insurance and what would happen if I had an accident in that month.

I have basic insurance with Assura but work pays for the accident cover. What would happen in that interim period between the old job finishing and the new one starting? Would I be covered for accidents?

Any advice gratefully received

C.
This is not a problem, your current employer must offer to extend the insurance for you for up to 90 days. You pay though. So you can extend it for 1 month and then you are covered.
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Old 27.07.2010, 11:27
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Re: A grey area!

Thanks for the help
Very much appreciated. ;-)
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