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-   -   Travel insurance question (https://www.englishforum.ch/insurance/89124-travel-insurance-question.html)

james84 21.07.2010 14:19

Travel insurance question
 
Hi all,

I've done a search for my query, but was unable to find what I'm looking for.

I'm lucky enough to be going to China and Japan in August for a month as part of my PhD, and want to book some travel insurance (the university doesn't provide any). The problem is that when getting a quote, I am always asked for my "country of permanent residence". Now is that Switzerland (I have a B permit) or the UK, as I'm British? If I choose the wrong country will it void any claims I may need to make?

So confusing!!

Tea for Roo 21.07.2010 15:16

Re: Travel insurance question
 
Quote:

Originally Posted by james84 (Post 882783)
Hi all,

I've done a search for my query, but was unable to find what I'm looking for.

I'm lucky enough to be going to China and Japan in August for a month as part of my PhD, and want to book some travel insurance (the university doesn't provide any). The problem is that when getting a quote, I am always asked for my "country of permanent residence". Now is that Switzerland (I have a B permit) or the UK, as I'm British? If I choose the wrong country will it void any claims I may need to make?

So confusing!!

Confusing yes. And of course the insurance company will try every means to get out of paying even if you have dotted all the 'i's and crossed all the 't's. My understanding is that if you have a B permit you are resident here and paying tax here and that it is your intention to stay here for the duration of the permit which would be 5 years. Therefore this is your permanent residence. Unless of course you are keeping a residence in the UK or some other country and are over there for long periods (I think it's 72days but I'm not sure).

justbeingme 21.07.2010 15:46

Re: Travel insurance question
 
Your health insurance should cover you when you are on your travels. Contact your health insurance company.

kkrish 21.07.2010 22:36

Re: Travel insurance question
 
I asked my insurance provider regarding this and they say if i have B permit then i am residence here and even if go to my home country, it will come under travel insurance...

Also if you are looking only for health insurance while travelling then your health insurance most likely will cover it (Call them and they will send you International health cover document, if they do cover) but if you want legal protection, breakdown assistance, cancellation cover then you would have to take the Travel Insurance

Swissmountainair 21.07.2010 23:32

Re: Travel insurance question
 
Quote:

Originally Posted by james84 (Post 882783)
Hi all,

I've done a search for my query, but was unable to find what I'm looking for.

I'm lucky enough to be going to China and Japan in August for a month as part of my PhD, and want to book some travel insurance (the university doesn't provide any). The problem is that when getting a quote, I am always asked for my "country of permanent residence". Now is that Switzerland (I have a B permit) or the UK, as I'm British? If I choose the wrong country will it void any claims I may need to make?

So confusing!!

We went through this some time ago and eventually got through to someone at the (Swiss based) insurance company who was sufficiently gifted in the art of communication to explain that even though we have 'B' residence permits, that in Swiss definition terms, Switzerland is indeed our "country of permanent residence." They recognised that this was somewhat misleading when one is on a five year permit, and it was not the first time they had been asked about. They then gladly took our money. We have not had occasion to claim on the insurance so don't know whether it would hold or not but decided to trust them on it.

Harriet and Patrick 22.07.2010 00:00

Re: Travel insurance question
 
Quote:

Originally Posted by justbeingme (Post 882919)
Your health insurance should cover you when you are on your travels. Contact your health insurance company.


NO NO NO NO NO NO NO NO NO NO NO NO NO NO!!!!!!!!!!!!!!!!!!!!!!!!

Your health insurance MAY cover you for some health matters when you travel, but it wouldn't cover your for a whole range of other things. Loss, Theft, Delays, Repatriation etc.

Make sure as well that you get a good worldwide insurance, lots don't cover certain Asian countries. Also check max length of a single trip.

If you are living / working / studying here in Switzerland and you have no permenant residence in the UK then you would have to get insured here. Most UK travel insurance companies specify that your trip starts and ends in the UK.

I currently work in the travel industry and deal with insurance quite a bit. Get a good one, hopefully you won't need it, but if you do and you don't have the right one, you are screwed.

Guest 22.07.2010 03:20

Re: Travel insurance question
 
Quote:

Originally Posted by james84 (Post 882783)
Hi all,

I've done a search for my query, but was unable to find what I'm looking for.

I'm lucky enough to be going to China and Japan in August for a month as part of my PhD, and want to book some travel insurance (the university doesn't provide any). The problem is that when getting a quote, I am always asked for my "country of permanent residence". Now is that Switzerland (I have a B permit) or the UK, as I'm British? If I choose the wrong country will it void any claims I may need to make?

So confusing!!

Insurance applications are always traps for the unwary. When you apply through an agent, the agent is normally deemed to act for you and any misrepresentations are thus attributable to you.

Status as a student does not change domicile nor, arguably "permanent residence". But unlike domicile (well actually domicile does have multiple meanings especially as between different legal systems) "residence" has no fixed meaning for different purposes.

And the UK Post Office, which offers (I'm reliably told) the best travel insurance, does not offer it to nonresidents: http://www.postoffice.co.uk/portal/p...00735#43200274

Best advice: explain your status. If you have Swiss health insurance, even if you have a British EHIC card, you are probably covered by a Swiss travel policy bought in good faith. But if you state that you are a British student resident in Switzerland for X months for purposes of study, the insurer cannot later say it was misled. (Travel cover sold in most countries takes account of domestic health cover; so, for example, a UK policy will reserve the insurer's right to repatriate you to the UK and leave you in the care of the NHS. That may be the reason for the UK Post Office's rule on residence, and it may be that the rule is simply infelicitously drafted as regards students -- but you are stuck with it.)

Your nationality (British) has little relevance to the case except insofar as the Swiss seem to obsess over such things. (I say this because, whenever I approach officialdom in connection, say, with something to do with my British wife, presentation of my Swiss ID card seems to alter attitudes. My French accent is "international"; I studied in Belgium.)

Note that "misrepresentation", minor or major, relevant or not to the risk, has different effects in different countries. In England/Scotland it can vitiate the cover. In Germany relevance is the key. In France the recovery is reduced proportionately to what the premium ought to have been. I haven't ever had occasion to inquire as to the Swiss rule.

Finally, this Web site http://www.goldencare.ch/ avers that it will insure Swiss nationals or foreigners, including students, regardless of status.

(The best health insurance -- such as that offered to UN employees, including those who retire in Switzerland, and which is acceptable as health cover under Swiss law http://www.eda.admin.ch/eda/fr/home/...ns/inshea.html -- makes travel health cover redundant in most respects. However such policies don't (or don't usually) pay for repatriation. And a stretcher evacuation can mean paying for as many as 9 seats. Or worse, in the case of a private plane. Whether you need the other aspects of travel cover -- loss and theft mainly -- depend on what other insurance you have and what your credit card issuer offers.)

james84 22.07.2010 12:50

Re: Travel insurance question
 
Wow, thanks everyone, that was really helpful!! Virtual drinks for all!

:cheers2:

:cheers:

dodgyken 22.07.2010 13:12

Re: Travel insurance question
 
The TCS ETI should provide cover as long as you resident in Switzerland - which it sounds like you are for the purpose of travel

zeirtz 22.07.2010 14:58

Re: Travel insurance question
 
http://www.roundtheworldinsurance.co.uk/

This policy covered me when I went on a global trip recently. They cover residents of Switzerland. I can't comment on how claims are processed as I didn't have to claim.

axman 22.07.2010 15:23

Re: Travel insurance question
 
Quote:

Originally Posted by zeirtz (Post 884095)
http://www.roundtheworldinsurance.co.uk/

This policy covered me when I went on a global trip recently. They cover residents of Switzerland. I can't comment on how claims are processed as I didn't have to claim.

That is very expensive as it covers the health stuff as well.

Assuming that you are still with your local Swiss health care provider, all you need is to top it up with travel related stuff such as repatriation, flight cancellation, theft, etc.

something like this:

http://www.erv.ch/main.php?chapter=1206

saraCan 22.07.2010 18:14

Re: Travel insurance question
 
When you are with B - place of residence is Switzerland...

I strongly recommend travel insurance and recommend it even stronger after I got caught in Japan because of the volcano and I got significant reimbursement

p.s. mine is with axa winterthur.. you just call and they give you a number and tell you what to do. quick and easy

axman 23.07.2010 09:09

Re: Travel insurance question
 
Quote:

Originally Posted by saraCan (Post 884471)
When you are with B - place of residence is Switzerland...

I strongly recommend travel insurance and recommend it even stronger after I got caught in Japan because of the volcano and I got significant reimbursement

p.s. mine is with axa winterthur.. you just call and they give you a number and tell you what to do. quick and easy


about 4 years ago I bought a ticket directly from Swiss and opted for the travel insurance cover as well. I had to make a claim and it turns out that it was from axa winterthur. They made me send them the usual documents, and they paid the claim.

MAWLER 24.09.2010 19:11

Re: Travel insurance question
 
Quote:

Originally Posted by Harriet and Patrick (Post 883450)
I currently work in the travel industry and deal with insurance quite a bit. Get a good one, hopefully you won't need it, but if you do and you don't have the right one, you are screwed.

So do you have any recommendations for good ones for those of us who will be putting down Switzerland as their country of residence?

Trueblue_2 15.03.2013 13:59

Re: Travel insurance question
 
Came across this post seraching for tips on Travel insurance and on further digging thought I would add, to what I know is an old post, in case of interest for others searching.

A good Swiss Health Insurance should cover you for health requirements overseas but with the usual high excess (but check!). The gap is repatriation which could be covered if one joins the Swiss Air rescue organisation Rega fir CHF 30 annually. Worldwide "Medically indispensible repatriation flights to Switzerland for patrons resident in Switzerland" www.rega.ch Useful anyway if you are a skiier.

That still leaves you with a likely very high excess, no cancellation cover or cover for insurable urgent changes to travel plans etc etc
If this is an issue try www.Worldnomads.com who will cover Swiss residents from a week to a year. albeit as ever at a slightly higher price than UK policies. (Worldwise ex US, 2 weeks including 'dangerous sports' EUR 49)

bracesbyhenry 10.04.2013 11:16

Re: Travel insurance question
 
Thanks for such nice stuff..It'll be so helpful for me. Keep sharing it...


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