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Old 18.10.2019, 10:44
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Leaving Switzerland - Health Insurance

As I am leaving Switzerland to move to Germany, I contacted Swica to ask them until what date my health insurance will be valid. I was told that my coverage expires on the day I leave as per my leaving certificate (Abmeldebestätigung). While I will get new insurance when I arrive in Germany, this may take a few days to organise and I am wondering what happens if I have an accident in the meantime? I had hoped that my Swica insurance would cover me for long enough to get my german health cover organised. Has anyone had a similar experience? Is there any type of "bridging" insurance available?
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Old 18.10.2019, 11:55
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Re: Leaving Switzerland - Health Insurance

You can always get a private one for as long as you want... It's not very expensive and covers everything.
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Old 18.10.2019, 11:56
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Re: Leaving Switzerland - Health Insurance

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As I am leaving Switzerland to move to Germany, I contacted Swica to ask them until what date my health insurance will be valid. I was told that my coverage expires on the day I leave as per my leaving certificate (Abmeldebestätigung). While I will get new insurance when I arrive in Germany, this may take a few days to organise and I am wondering what happens if I have an accident in the meantime? I had hoped that my Swica insurance would cover me for long enough to get my german health cover organised. Has anyone had a similar experience? Is there any type of "bridging" insurance available?
I don't have the experience, but maybe a travel insurance product like that of Allianz? At least you can give them a call: https://www.allianz-assistance.ch/en/travel-insurance/
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Old 18.10.2019, 12:18
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Re: Leaving Switzerland - Health Insurance

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You can always get a private one for as long as you want... It's not very expensive and covers everything.

You´re kidding? You mean travel insurance probably. That doesn´t cover everything.
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Old 18.10.2019, 13:03
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Merging posts

Last edited by roegner; 18.10.2019 at 13:15. Reason: Merging posts
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Old 18.10.2019, 14:14
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Re: Leaving Switzerland - Health Insurance

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As I am leaving Switzerland to move to Germany, I contacted Swica to ask them until what date my health insurance will be valid. I was told that my coverage expires on the day I leave as per my leaving certificate (Abmeldebestätigung). While I will get new insurance when I arrive in Germany, this may take a few days to organise and I am wondering what happens if I have an accident in the meantime? I had hoped that my Swica insurance would cover me for long enough to get my german health cover organised. Has anyone had a similar experience? Is there any type of "bridging" insurance available?
As you are leaving for an EU country you are covered for 90 days as a tourist with the EHIC card you hold, Swica should charge you for 3 further months unless you can show you are insured in your new country.
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Old 18.10.2019, 14:15
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Re: Leaving Switzerland - Health Insurance

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You´re kidding? You mean travel insurance probably. That doesn´t cover everything.
Exactly, travel insurance will just repatriate you to your home country if you have something serious, they never pay out the multi millions they claim you are covered for !
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Old 18.10.2019, 14:29
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Re: Leaving Switzerland - Health Insurance

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As you are leaving for an EU country you are covered for 90 days as a tourist with the EHIC card you hold, Swica should charge you for 3 further months unless you can show you are insured in your new country.
Do you mean "a maximum of" 3 further months, beyond the date of the leaving certificate (Abmeldebestätigung)?

Is Swica obliged to keep him insured, if that's what he wants?

If OP leaves on, say, 31st October, and registers in Germany on 1st November, and it takes, say, a week to sort out his medical insurance in Germany, then is there a way that he can get himself released from paying the new German premiums AND the Swica premiums, right away?

Can he choose, if he likes his Swica insurance conditions better than those he can buy in Germany, to continue with his Swica insurance? For 3 months? Indefinitely?
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Old 18.10.2019, 14:38
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Re: Leaving Switzerland - Health Insurance

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Do you mean "a maximum of" 3 further months, beyond the date of the leaving certificate (Abmeldebestätigung)?

Is Swica obliged to keep him insured, if that's what he wants?

If OP leaves on, say, 31st October, and registers in Germany on 1st November, and it takes, say, a week to sort out his medical insurance in Germany, then is there a way that he can get himself released from paying the new German premiums AND the Swica premiums, right away?

Can he choose, if he likes his Swica insurance conditions better than those he can buy in Germany, to continue with his Swica insurance? For 3 months? Indefinitely?
Swica has to keep him covered for 3 months as they have issued an EHIC card, if they choose not to collect premiums it's their look out. It all depends on the rules in Germany for new arrivals getting cover.
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Old 18.10.2019, 19:01
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Re: Leaving Switzerland - Health Insurance

I will get insurance cover in Germany as soon as I can but am just concerned about having an accident before I take out that cover
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Old 18.10.2019, 19:45
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Re: Leaving Switzerland - Health Insurance

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I will get insurance cover in Germany as soon as I can but am just concerned about having an accident before I take out that cover
Then don't attempt to cancel your existing policy untill you have your new insurance.
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