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Old 20.10.2010, 14:59
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Swisscare not recognized in Aarau ???

Hi,

I have just moved from Zürich to Aarau and today I received a letter saying that my and my wife's heath insurance (Swisscare) are not accepted in Aarau. Now I will have to pay 4 more times more for me and for my wife. What a mess: msnmad:. Do you have an idea why swiss care is not recognized in Aarau?
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Old 20.10.2010, 15:05
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Re: Swisscare not recognized in Aarau ???

4 times as much ?
Where did you get that figure from ?
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  #3  
Old 20.10.2010, 15:18
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Re: Swisscare not recognized in Aarau ???

Since I'm a student and so is my wife we are paying only 80 CHF/person while I will have to pay around 240 CHF/person if I will take the public health insurance.
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Old 20.10.2010, 15:19
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Re: Swisscare not recognized in Aarau ???

Right it is just 3 times more. I was really confused because of this letter.
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Old 20.10.2010, 15:37
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Re: Swisscare not recognized in Aarau ???

Maybe, and I am only guessing here, you have to study and live in the same canton ?
You can get cheaper insurance than 240 a month by the way.
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Old 20.10.2010, 15:40
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Re: Swisscare not recognized in Aarau ???

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You can get cheaper insurance than 240 a month by the way.
Can you recommend me a cheaper one? Thanks.
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Old 20.10.2010, 15:43
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Re: Swisscare not recognized in Aarau ???

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Hi,

I have just moved from Zürich to Aarau and today I received a letter saying that my and my wife's heath insurance (Swisscare) are not accepted in Aarau. Now I will have to pay 4 more times more for me and for my wife. What a mess: msnmad:. Do you have an idea why swiss care is not recognized in Aarau?
Yep, canton Aargau doesn't accept Swisscare. As to the reason--they don't have to so they don't (is probably why at least). Regardless, I was able to only pay ~150/month (Avenir), so shop around a bit (comparis.ch) and you should be fine.
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Old 20.10.2010, 15:47
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Re: Swisscare not recognized in Aarau ???

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Yep, canton Aargau doesn't accept Swisscare. As to the reason--they don't have to so they don't (is probably why at least). Regardless, I was able to only pay ~150/month (Avenir), so shop around a bit (comparis.ch) and you should be fine.
She is on the money there, Avenir (Part of Groupe Mutuel) has the best value basic insurance that I know of.
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Old 20.10.2010, 15:59
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Re: Swisscare not recognized in Aarau ???

I was thinking doing a good financial deal by moving to Aarau but with the GA cards and the health insurance I have the impression that I was completely wrong.
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Old 20.10.2010, 16:22
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Re: Swisscare not recognized in Aarau ???

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I was thinking doing a good financial deal by moving to Aarau but with the GA cards and the health insurance I have the impression that I was completely wrong.
...don't forget that taxes are higher as well. I think it is 2% higher for the canton (compared to Zurich)...
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Old 20.10.2010, 16:27
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Re: Swisscare not recognized in Aarau ???

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...don't forget that taxes are higher as well. I think it is 2% higher for the canton (compared to Zurich)...
Not so on the money , I think taxes vary from village to village.....Gotta love Switzerland
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Old 20.10.2010, 16:36
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Re: Swisscare not recognized in Aarau ???

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Not so on the money , I think taxes vary from village to village.....Gotta love Switzerland
Erm, I am pretty sure salary taxes are fixed by the canton... which is what I was referring to (thus, the 2% change is what was imposed on my salary when I moved from canton Zurich to canton Aargau (and back)).

Is this also what you are referring to?
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Old 20.10.2010, 16:56
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Re: Swisscare not recognized in Aarau ???

It's not just Aarau, Ticino also doesn't accept Swisscare, my husband works weekdays in Bern where it is accepted so if he ever gets sick it had better be when he is up north!
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Old 20.10.2010, 17:09
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Re: Swisscare not recognized in Aarau ???

All I know is that when we were looking for a house, the tax rates varied from village to village.. I am no expert I may add
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Old 20.10.2010, 17:19
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Re: Swisscare not recognized in Aarau ???

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All I know is that when we were looking for a house, the tax rates varied from village to village.. I am no expert I may add
so we are both right then. good.
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Old 20.10.2010, 17:30
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Re: Swisscare not recognized in Aarau ???

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Erm, I am pretty sure salary taxes are fixed by the canton... which is what I was referring to (thus, the 2% change is what was imposed on my salary when I moved from canton Zurich to canton Aargau (and back)).
Do you mean that I will pay more taxes in Aarau than in Zürich ?
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Old 20.10.2010, 17:31
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Re: Swisscare not recognized in Aarau ???

Strange little quirky tax system this country has, it baffles me
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Old 20.10.2010, 17:43
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Re: Swisscare not recognized in Aarau ???

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Do you mean that I will pay more taxes in Aarau than in Zürich ?
That's what happened to me. And I just checked the numbers. This is specifically for direct income tax (2009): Zurich (canton) = 8.09% and (canton) Aargau = 11.10%. Thus, if they automatically take your taxes out of your salary, (at least as I understand it) this is the change based on your canton change. So it is actually 3% of your yearly salary.

Sorry to keep piling it on.
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Old 20.10.2010, 17:46
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Re: Swisscare not recognized in Aarau ???

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That's what happened to me. And I just checked the numbers. This is specifically for direct income tax (2009): Zurich (canton) = 8.09% and (canton) Aargau = 11.10%. Thus, if they automatically take your taxes out of your salary, (at least as I understand it) this is the change based on your canton change. So it is actually 3% of your yearly salary.

Sorry to keep piling it on.
Does it make any difference if I'm working in Zürich?
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Old 20.10.2010, 17:49
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Re: Swisscare not recognized in Aarau ???

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Does it make any difference if I'm working in Zürich?
Nope. It matters where you live.
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