Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 21.07.2010, 14:19
james84's Avatar
Junior Member
 
Join Date: Jan 2010
Location: Zürich
Posts: 43
Groaned at 0 Times in 0 Posts
Thanked 15 Times in 8 Posts
james84 has earned some respectjames84 has earned some respect
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!!
Reply With Quote
  #2  
Old 21.07.2010, 15:16
Tea for Roo's Avatar
Member
 
Join Date: Feb 2009
Location: Wellington NZ
Posts: 107
Groaned at 0 Times in 0 Posts
Thanked 63 Times in 37 Posts
Tea for Roo has earned some respectTea for Roo has earned some respect
Re: Travel insurance question

Quote:
View Post
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).
Reply With Quote
This user would like to thank Tea for Roo for this useful post:
  #3  
Old 21.07.2010, 15:46
Junior Member
 
Join Date: Feb 2010
Location: Bern
Posts: 47
Groaned at 5 Times in 2 Posts
Thanked 39 Times in 20 Posts
justbeingme has annoyed a few people around herejustbeingme has annoyed a few people around here
Re: Travel insurance question

Your health insurance should cover you when you are on your travels. Contact your health insurance company.
Reply With Quote
This user would like to thank justbeingme for this useful post:
  #4  
Old 21.07.2010, 22:36
Member
 
Join Date: Jan 2007
Location: Zürich
Posts: 140
Groaned at 1 Time in 1 Post
Thanked 76 Times in 38 Posts
kkrish is considered knowledgeablekkrish is considered knowledgeablekkrish is considered knowledgeable
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
Reply With Quote
This user would like to thank kkrish for this useful post:
  #5  
Old 21.07.2010, 23:32
Swissmountainair's Avatar
Forum Veteran
 
Join Date: Oct 2008
Location: A moving target...
Posts: 878
Groaned at 18 Times in 15 Posts
Thanked 950 Times in 448 Posts
Swissmountainair has a reputation beyond reputeSwissmountainair has a reputation beyond reputeSwissmountainair has a reputation beyond reputeSwissmountainair has a reputation beyond repute
Re: Travel insurance question

Quote:
View Post
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.
__________________
Expat In Switzerland website and FREE monthly e-newsletter containing articles on life in Switzerland & what's on events guide
Reply With Quote
This user would like to thank Swissmountainair for this useful post:
  #6  
Old 22.07.2010, 00:00
Member
 
Join Date: Jun 2008
Location: Gattikon
Posts: 187
Groaned at 0 Times in 0 Posts
Thanked 126 Times in 65 Posts
Harriet and Patrick has earned the respect of manyHarriet and Patrick has earned the respect of manyHarriet and Patrick has earned the respect of many
Re: Travel insurance question

Quote:
View Post
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.
Reply With Quote
This user would like to thank Harriet and Patrick for this useful post:
  #7  
Old 22.07.2010, 03:20
Guest
 
Posts: n/a
Re: Travel insurance question

Quote:
View Post
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.)

Last edited by andy02; 22.07.2010 at 03:41.
Reply With Quote
This user would like to thank for this useful post:
  #8  
Old 22.07.2010, 12:50
james84's Avatar
Junior Member
 
Join Date: Jan 2010
Location: Zürich
Posts: 43
Groaned at 0 Times in 0 Posts
Thanked 15 Times in 8 Posts
james84 has earned some respectjames84 has earned some respect
Re: Travel insurance question

Wow, thanks everyone, that was really helpful!! Virtual drinks for all!



Reply With Quote
  #9  
Old 22.07.2010, 13:12
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 10,673
Groaned at 281 Times in 232 Posts
Thanked 19,403 Times in 7,402 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
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
Reply With Quote
  #10  
Old 22.07.2010, 14:58
zeirtz's Avatar
Junior Member
 
Join Date: Jun 2005
Location: Bern
Posts: 59
Groaned at 2 Times in 2 Posts
Thanked 19 Times in 11 Posts
zeirtz has earned some respectzeirtz has earned some respect
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.
Reply With Quote
  #11  
Old 22.07.2010, 15:23
Forum Veteran
 
Join Date: Apr 2007
Location: Zurich
Posts: 1,513
Groaned at 7 Times in 5 Posts
Thanked 947 Times in 547 Posts
axman has a reputation beyond reputeaxman has a reputation beyond reputeaxman has a reputation beyond reputeaxman has a reputation beyond repute
Re: Travel insurance question

Quote:
View Post
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
Reply With Quote
  #12  
Old 22.07.2010, 18:14
saraCan's Avatar
Member
 
Join Date: Jan 2009
Location: Zurich
Posts: 146
Groaned at 0 Times in 0 Posts
Thanked 42 Times in 22 Posts
saraCan has made some interesting contributions
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
Reply With Quote
  #13  
Old 23.07.2010, 09:09
Forum Veteran
 
Join Date: Apr 2007
Location: Zurich
Posts: 1,513
Groaned at 7 Times in 5 Posts
Thanked 947 Times in 547 Posts
axman has a reputation beyond reputeaxman has a reputation beyond reputeaxman has a reputation beyond reputeaxman has a reputation beyond repute
Re: Travel insurance question

Quote:
View Post
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.
Reply With Quote
  #14  
Old 24.09.2010, 19:11
MAWLER's Avatar
Junior Member
 
Join Date: Apr 2010
Location: Geneva
Posts: 72
Groaned at 0 Times in 0 Posts
Thanked 13 Times in 8 Posts
MAWLER has earned some respectMAWLER has earned some respect
Re: Travel insurance question

Quote:
View Post
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?
Reply With Quote
  #15  
Old 15.03.2013, 13:59
Junior Member
 
Join Date: Jun 2011
Location: Zug
Posts: 69
Groaned at 1 Time in 1 Post
Thanked 44 Times in 26 Posts
Trueblue_2 has no particular reputation at present
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)
Reply With Quote
  #16  
Old 10.04.2013, 11:16
Banned
 
Join Date: Mar 2013
Location: US
Posts: 3
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
bracesbyhenry has no particular reputation at present
Re: Travel insurance question

Thanks for such nice stuff..It'll be so helpful for me. Keep sharing it...
Reply With Quote
Reply

Tags
travel insurance




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
Travel Insurance/Kanton Basel Insurance pamela16 Insurance 1 11.06.2010 21:45
Health Insurance vs. Travel Insurance abbey712 Insurance 7 07.01.2010 07:01
Travel Insurance glendamwm Insurance 5 02.01.2009 17:23
health insurance or travel insurance?? Alinajane Insurance 7 27.04.2007 17:33
Travel Insurance Britmac Insurance 1 24.02.2007 17:18


All times are GMT +2. The time now is 11:47.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0