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Old 17.02.2020, 10:15
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Leaving Switzerland temporarily and health insurance

Hello,

I write seldomly but I read often and most times I find the info I need - this forum is a great resource!

Now straight to the problem: I am leaving CH for a job in Barcelona but I wanted to keep my C permit as long as I can. The folks at the migration office were kind enough to tell me that it is no problem and I can have it on hold for 4 years.

They warned me though. Health insurances sometimes do not consider the document issued "Maintien du droit d'etablissement" enough to rip the contract and I would be better off calling them first.

So I did. I called Assura, in two separate instances, I explained them which document I would get (I had a fac-simile with me. I literally read it to the operator) and they told me, twice: no problem. The operator even asked his supervisor (or he pretended to).

So I shipped the document to the address given to me and here I am in Spain.
Needless to say, more than a month later, and after several phonecalls to check the status, Assura writes me that the document is not good enough hence my coverage stays.

I have no intention to pay a useless, expensive health insurance, nor I agree in loosing my permit, which is my right to keep.

Did someone successfully managed a situation like this? Do you have advice? Will I have to bow?
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Old 17.02.2020, 15:53
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Re: Leaving Switzerland temporarily and health insurance

Will Assura continue coverage?
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Old 17.02.2020, 21:35
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Re: Leaving Switzerland temporarily and health insurance

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Will Assura continue coverage?
Surely they continue to charge me the monthly premium...
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Old 17.02.2020, 23:47
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Re: Leaving Switzerland temporarily and health insurance

Yes but if they also continue to cover you surely it is not useless? You would anyway need health insurance where you go and depending on the coverage you have it may be helpful not to have to do a health questionnaire again etc.
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Old 18.02.2020, 10:30
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Re: Leaving Switzerland temporarily and health insurance

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Hello,

I write seldomly but I read often and most times I find the info I need - this forum is a great resource!

Now straight to the problem: I am leaving CH for a job in Barcelona but I wanted to keep my C permit as long as I can. The folks at the migration office were kind enough to tell me that it is no problem and I can have it on hold for 4 years.

They warned me though. Health insurances sometimes do not consider the document issued "Maintien du droit d'etablissement" enough to rip the contract and I would be better off calling them first.

So I did. I called Assura, in two separate instances, I explained them which document I would get (I had a fac-simile with me. I literally read it to the operator) and they told me, twice: no problem. The operator even asked his supervisor (or he pretended to).

So I shipped the document to the address given to me and here I am in Spain.
Needless to say, more than a month later, and after several phonecalls to check the status, Assura writes me that the document is not good enough hence my coverage stays.

I have no intention to pay a useless, expensive health insurance, nor I agree in loosing my permit, which is my right to keep.

Did someone successfully managed a situation like this? Do you have advice? Will I have to bow?

There's a important detail missing: will you still work for a Swiss company or not?
  #6  
Old 18.02.2020, 11:51
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Re: Leaving Switzerland temporarily and health insurance

Did you deregister from your commune? That’s the document they need.
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Old 18.02.2020, 16:27
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Re: Leaving Switzerland temporarily and health insurance

Some friends of mine moved to South Africa for five years. They wanted to know they would be accepted back by the insurance with the same level of cover in the instance they should fall seriously ill while overseas.

They had to pay a small premium that does not cover them but keeps the policy alive. Maybe this is something you should explore?
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Old 19.02.2020, 12:28
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Re: Leaving Switzerland temporarily and health insurance

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Some friends of mine moved to South Africa for five years. They wanted to know they would be accepted back by the insurance with the same level of cover in the instance they should fall seriously ill while overseas.

They had to pay a small premium that does not cover them but keeps the policy alive. Maybe this is something you should explore?
I believe the OP's issue is different - if you do not "put down your papers" (French expression "déposer ses papiers" ) then you are still considered liable for mandatory Swiss health insurance and need to keep the coverage alive.

As I understand it, keeping your C permit alive may be seen akin as to not having left Switzerland permanently hence the insurance has to be kept.
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Old 20.02.2020, 09:51
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Re: Leaving Switzerland temporarily and health insurance

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I believe the OP's issue is different - if you do not "put down your papers" (French expression "déposer ses papiers" ) then you are still considered liable for mandatory Swiss health insurance and need to keep the coverage alive.

As I understand it, keeping your C permit alive may be seen akin as to not having left Switzerland permanently hence the insurance has to be kept.
You do not have to keep your insurance. But you need to deregister for the insurance to stop.

The OP has not answered if she deregistered or not.
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Old 20.02.2020, 10:39
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Re: Leaving Switzerland temporarily and health insurance

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Hello,

I write seldomly but I read often and most times I find the info I need - this forum is a great resource!

Now straight to the problem: I am leaving CH for a job in Barcelona but I wanted to keep my C permit as long as I can. The folks at the migration office were kind enough to tell me that it is no problem and I can have it on hold for 4 years.

They warned me though. Health insurances sometimes do not consider the document issued "Maintien du droit d'etablissement" enough to rip the contract and I would be better off calling them first.

So I did. I called Assura, in two separate instances, I explained them which document I would get (I had a fac-simile with me. I literally read it to the operator) and they told me, twice: no problem. The operator even asked his supervisor (or he pretended to).

So I shipped the document to the address given to me and here I am in Spain.
Needless to say, more than a month later, and after several phonecalls to check the status, Assura writes me that the document is not good enough hence my coverage stays.

I have no intention to pay a useless, expensive health insurance, nor I agree in loosing my permit, which is my right to keep.

Did someone successfully managed a situation like this? Do you have advice? Will I have to bow?
Write a registered letter to the insurance bozos and tell them that you explicitly called them twice in order to inquire about this particular issue and that they confirmed that you can get out of the contract, no questions asked. If possible, mention time and date of aforementioned phone calls and also the names of the people you were talking to. If they still refuse, tell them that you'd be willing to escalate the issue, possibly through the help of a shyster lawyer and Kassensturz will certainly hear about it as well.
  #11  
Old 24.02.2020, 19:24
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Re: Leaving Switzerland temporarily and health insurance

Hello folks, thank you for your answers!

So, to the guy asking me about the deregestering, well, the answer is yes. At least, that was my intention.

The two options were 1) leaving for good (and lose my permit) or 2) keep the permit on hold for 4 years. I took the second option. I still had to provide the paper that attest that I have no pendings with the tax authority.

I spoke to the insurance bozos again. I had to explain the issue to the operator again. He then found my records and explain me that they did not receive my paper but only my written request (which was in the same envelope of the document).

The discussion stalled around my argument: I don't live in Switzerland, I do not need the insurance.

Furthermore, the insurance is 5 time the price of a private full coverage insurance here in Spain. Which is unnecessary anyway since there is a public health system.

At this point I started to be nervous, and asked to speak to a manager. The operator told me that they just need another document from the Canton and I should not worry: they will ask it on my behalf.

I have serious doubt the Canton will provide anything on my behalf to them, and I say it. They said to worry not and wait 2 weeks.

One week has passed. I will call tomorrow, this is ridicolous.
  #12  
Old 24.02.2020, 19:29
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Re: Leaving Switzerland temporarily and health insurance

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There's a important detail missing: will you still work for a Swiss company or not?
Nope. Spanish company.

And they did not propose any alternative solution :|
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Old 24.02.2020, 20:39
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Re: Leaving Switzerland temporarily and health insurance

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Hello folks, thank you for your answers!

So, to the guy asking me about the deregestering, well, the answer is yes. At least, that was my intention.

The two options were 1) leaving for good (and lose my permit) or 2) keep the permit on hold for 4 years. I took the second option. I still had to provide the paper that attest that I have no pendings with the tax authority.

I spoke to the insurance bozos again. I had to explain the issue to the operator again. He then found my records and explain me that they did not receive my paper but only my written request (which was in the same envelope of the document).

The discussion stalled around my argument: I don't live in Switzerland, I do not need the insurance.

Furthermore, the insurance is 5 time the price of a private full coverage insurance here in Spain. Which is unnecessary anyway since there is a public health system.

At this point I started to be nervous, and asked to speak to a manager. The operator told me that they just need another document from the Canton and I should not worry: they will ask it on my behalf.

I have serious doubt the Canton will provide anything on my behalf to them, and I say it. They said to worry not and wait 2 weeks.

One week has passed. I will call tomorrow, this is ridicolous.
I still don’t understand if you deregistered at the commune. You said ‘at least it was your intention’. Did you get the paper from the commune saying you deregistered? Even if you put your permit on hold you need to deregister.

That should be enough.

PS Not a guy.
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Old 24.02.2020, 23:17
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Re: Leaving Switzerland temporarily and health insurance

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I still don’t understand if you deregistered at the commune. You said ‘at least it was your intention’. Did you get the paper from the commune saying you deregistered? Even if you put your permit on hold you need to deregister.

That should be enough.

PS Not a guy.
My apologies for the gender mix-up

The only paper I got is this "mantien du droit d'etablissement" which only states that I am granted the right to stay abroad until the 31st January 2024. They did not offer any other document or help, beside the ominous warning against the evil assurances.
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Old 04.03.2020, 07:45
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Re: Leaving Switzerland temporarily and health insurance

Here is my take - you can deregister from the commune, AND still keep your C permit for up to 4 years. (these are two separate things)

It is akin to a Swiss national moving away from Switzerland - the person deregisters from the commune and moves away to go somewhere else but keeps his Swiss nationality.

In fact, whether you have a C permit or not should be irrelevant to the insurance company. You only need to provide your insurance company a copy of your de-registration paper, and that should be it.
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Old 04.03.2020, 07:49
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Re: Leaving Switzerland temporarily and health insurance

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My apologies for the gender mix-up

The only paper I got is this "mantien du droit d'etablissement" which only states that I am granted the right to stay abroad until the 31st January 2024. They did not offer any other document or help, beside the ominous warning against the evil assurances.
This is not the paper the insurance company is looking for - you need a separate de-registration proof/documentation from the commune (that shows you are no longer living/will not be living at your current Swiss address as from a date specified). Is the commune not willing this to give you this for the time you are away?
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Old 04.03.2020, 08:22
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Re: Leaving Switzerland temporarily and health insurance

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My apologies for the gender mix-up

The only paper I got is this "mantien du droit d'etablissement" which only states that I am granted the right to stay abroad until the 31st January 2024. They did not offer any other document or help, beside the ominous warning against the evil assurances.

You need to deregister at your commune! This is nothing to do with the migrants on office it’s A different thing and another step.

If you don’t deregister at the commune, you are still resident in Switzerland and thus still need to pay your health insurance.
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Old 20.03.2020, 16:10
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Re: Leaving Switzerland temporarily and health insurance

Hello,

First, thank you for your comments. Yes, mostly you are right, I needed to get this further document in which I deregister from the city.

Still, the insurance bozos could have told me that I needed that very paper to get rid of them instead of telling that the "maintien..." paper was enough. How lame are they?

Now, I got a certain document through the very helpful folks of the international moving company I've hired to move my things. It wasn't easy and took some convincement and nice-talking to the clerk. Everything was done by mail/phone.

It's an "attestation de domicilie" that tells all my movements. The last entry states that I departed for Spain. This document will be alright to clear the spanish customs and get my things. If COVID19 allows.

I don't know if it counts as a deregistration form, I forwarded it to the insurance anyway.

Other info:
I tried to call the insurance multiple times, no one picks up.

The insurance asked me to fill a form and email it back, which I did.

I'm not paying the monthly premium anymore. It was an automatic payment and now it isn't happening anymore. I don't have time to invesigate what happen with the bank. They are almost as lame as the insurance.

Thank you for your time,

Stay safe!
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Old 20.03.2020, 16:56
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Re: Leaving Switzerland temporarily and health insurance

No it doesn't count as a de-registration form. You need to actually de-register at your commune/gemeinde.
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Old 20.03.2020, 19:07
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Re: Leaving Switzerland temporarily and health insurance

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No it doesn't count as a de-registration form. You need to actually de-register at your commune/gemeinde.
Do you know if it is something I can do remotely?
 




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