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Old 23.07.2011, 18:19
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Registering- Proof of insurance

I am an american coming to switzerland for a year to work as an assistant english teacher. I must show proof of insurance upon registering in Zurich and possibly upon receiving my entry permit at the swiss consulate.

I'm not required to buy swiss insurance for three months. Will it be OK if I just have travel insurance in the meantime?
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Old 23.07.2011, 18:30
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Re: Registering- Proof of insurance

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I'm not required to buy swiss insurance for three months.
I don't think that's right. You're not coming as a tourist, but to work. You'll need local health insurance from your first day (you can buy it within the first 3 months and it'll be back-dated at your cost).
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Old 23.07.2011, 18:40
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Re: Registering- Proof of insurance

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I don't think that's right. You're not coming as a tourist, but to work. You'll need local health insurance from your first day (you can buy it within the first 3 months and it'll be back-dated at your cost).
Yes this exactly right, I can help you with this if you'd like.

You need to have cover in place for the permit or proof that you are covered elsewhere at that stage. you then have 3 months to sort the swiss system out or they will sign you up automatically for a scheme that may not be right for you, this will be back dated from date of entry. It is best to deal with this sooner rather than later to avoid being stung.
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Old 23.07.2011, 18:49
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Re: Registering- Proof of insurance

Thanks. Really, my concern is this: My dilemma is that I'll have to show the authorities proof of insurance upon registering with the police (possibly even when I get my entry permit at the Swiss Embassy). I am hoping that if I get temporary travel insurance, and can show that I have that, then I will at least be allowed to enter the country and register with the police, and then I can buy swiss insurance. I don't want to be kept from immigrating on the basis of not having insurance (my student insurance ends 31 July).
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Old 23.07.2011, 18:53
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Re: Registering- Proof of insurance

Yes your travel insurance will do fine for this and it's what they are after... proof of cover, then when registered and the permit is being processed and you have a domicile address you can look at swiss cover.
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Old 23.07.2011, 18:55
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Re: Registering- Proof of insurance

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You need to have cover in place for the permit or proof that you are covered elsewhere at that stage.
Exactly. What I am trying to find out is whether temporary travel-gap insurance will be respected as sufficient coverage at that stage. Do you know anything about that?
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Old 23.07.2011, 18:59
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Re: Registering- Proof of insurance

Yes if It's international health and accident cover it will. As long as Switzerland is not an excluded country on the policy's fine print for some odd reason that is....
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Old 23.07.2011, 19:12
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Re: Registering- Proof of insurance

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Thanks. Really, my concern is this: My dilemma is that I'll have to show the authorities proof of insurance upon registering with the police (possibly even when I get my entry permit at the Swiss Embassy).
You do not need proof of insurance nor upon registering neither when getting the entry permit. Whatever insurance you will pick up in Switzerland will cover you starting Day 1 as long as you get it within three months of arrival.


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Yes your travel insurance will do fine for this and it's what they are after... proof of cover, then when registered and the permit is being processed and you have a domicile address you can look at swiss cover.
No travel insurance is required to take up domicile. "They" aren't after any "proof of cover" since you will automatically get one arranged by the state if you do not sort it out for yourself.
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Old 23.07.2011, 21:28
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Re: Registering- Proof of insurance

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Yes if It's international health and accident cover it will. As long as Switzerland is not an excluded country on the policy's fine print for some odd reason that is....
Thanks, I really appreciate it.

Lawrence
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Old 24.07.2011, 11:42
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Re: Registering- Proof of insurance

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You do not need proof of insurance nor upon registering neither when getting the entry permit. Whatever insurance you will pick up in Switzerland will cover you starting Day 1 as long as you get it within three months of arrival.




No travel insurance is required to take up domicile. "They" aren't after any "proof of cover" since you will automatically get one arranged by the state if you do not sort it out for yourself.
Well, depends what you are doing. I personally when applying for a permit on arrival had to give proof of cover to the Gemeinde so i gave them my UK insure and go travel insurance card which they photocopied and as I guess they have specifically asked the OP for proof of insurance.......

You misunderstood what I wrote re the domicile... I was saying that he can apply for the swiss cover when he has a Swiss address.
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Old 24.07.2011, 23:19
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Re: Registering- Proof of insurance

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Well, depends what you are doing. I personally when applying for a permit on arrival had to give proof of cover to the Gemeinde so i gave them my UK insure and go travel insurance card which they photocopied and as I guess they have specifically asked the OP for proof of insurance.......
.
No, it doesn't depend on what you are doing. You have three months to provide proof of Swiss insurance. Travel insurance is irrelevant - it is extremely misguiding to say "travel insurance will do just fine". You are legally obliged to have a Swiss insurance when residing here, and this is what the proof of insurance is for: showing that you are in conformity with that law (else you'll be forcefully signed up by the state). Just because they ask you for proof of insurance doesn't mean you have to provide it before the permit is delivered. Again - it doesn't matter if you sign it at D+89 - you will be covered (and paying accordingly) from Day 1. It is a very standard request, but you have understand what the standard is...

Also you could find that travel insurance might actually balk at covering your costs if you were to get treatment here - as you're not actually travelling but residing.

Stuff like this can bite you pretty badly - one ought to be really sure before making sweeping assertions on what insurance covers you here (or not).
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Old 25.07.2011, 12:39
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Re: Registering- Proof of insurance

I was suggesting his current insurance would be fine to submit with his paperwork for the permit if they have asked for it, NOT that it was suitable for his residing cover over here and, as previously posted, that he should obtain Swiss HI as soon as he had a Swiss address! Sorry if that was not clear.
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Old 25.07.2011, 12:55
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Re: Registering- Proof of insurance

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Also you could find that travel insurance might actually balk at covering your costs if you were to get treatment here - as you're not actually travelling but residing.
They will most likely arrange to get the insured home & then the cover will end,
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Old 25.07.2011, 13:07
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Re: Registering- Proof of insurance

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I was suggesting his current insurance would be fine to submit with his paperwork for the permit if they have asked for it, NOT that it was suitable for his residing cover over here and, as previously posted, that he should obtain Swiss HI as soon as he had a Swiss address! Sorry if that was not clear.
So why would then one submit proof of insurance that is NOT suitable? I fail to follow.
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Old 25.07.2011, 13:11
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Re: Registering- Proof of insurance

Good point but if the OP must provide proof of insurance beforehand for the process what can he do? It is a given that he must have proper Swiss cover when here if even HMO, but he cannot apply for this and be covered without a Swiss domicile address...

It's an interesting one very chicken and egg
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Old 26.07.2011, 02:23
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Re: Registering- Proof of insurance

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Yes if It's international health and accident cover it will. As long as Switzerland is not an excluded country on the policy's fine print for some odd reason that is....
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So why would then one submit proof of insurance that is NOT suitable? I fail to follow.
What I am concerned about is that I will have what is needed to enter the country and to successfully register with the Gemeinde. The Schweizerische Weiterbildungzentrale, the organization through which I was hired, sent me information saying that I need to have proof of insurance upon registering. Why are they asking for insurance if they know that the insurance I have will be invalid? I just don't want to be denied entrance.
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Old 27.07.2011, 05:09
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Re: Registering- Proof of insurance

Not to confuse matters but I've been told that my US health insurance could be accepted via an exception and I would NOT have to get Swiss health insurance. That was also confirmed by another EF member. One year assignment on a B permit with spouse.
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Old 27.07.2011, 12:53
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Re: Registering- Proof of insurance

Hi,

I have recently gone through this process and I can share my experience. I arrived here with my travel insurance but Canton Vaud warned me that my coverage is not enough for Swiss obligatory health and accident insurance (Benefits: http://www.bag.admin.ch/themen/krank...x.html?lang=en). Then I found a company based here (but still accepted as foreign insurer, whose coverage is designed to meet the Swiss law requirements). I did not have to start from the first day, as far as I understood it depends on the Cantonal requirements. So the foreign insurer's coverage is accepted as long as they comply with the Swiss law requirements and as long as they are able to sign the exemption form that Organe cantonal de contrôle de l'assurance-maladie et accidents (or the German translation of this in the Canton you will live) would send to you - you may want to demand a copy of this from them in advance.

I hope this helps you to decide.

Best, n.
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