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Old 19.03.2012, 12:30
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Am I resident?

Can anyone tell me what the definition of resident is?
I have a B permit as I work here for a week and then leave for a week off at home in Ireland. I have an address here but I consider myself an Irish resident.
This question is geared towards health insurance here in Switzerland - if I am resident then I need it, but I regard myself as non-resident (plus I don't want to pay a lot of money for something I will not use as if I get sick, I will go home).
Or, does the B permit trump my assumptions and mean I have to fork out for something I won't use?

Any help/suggestions appreciated
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Old 19.03.2012, 12:35
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Re: Am I resident?

You will need to get health insurance because you are living here, which makes you a resident (though you are an Irish citizen).

You can ask your canton office if they accept insurance from abroad. For example, as students with B Permits, we were able to buy travel insurance offered by a canadian company, for much less than the swiss companies offer. You will likely need to have whichever insurer you choose fill in a form for the swiss authorities, whom will in the end decide if the insurance is adequate or not.

If you just ignore it, they will choose an insurance company for you and send you a bill in about three months.
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Old 20.03.2012, 18:02
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Re: Am I resident?

No, you definitely need insurance of some kind that's acceptable to the Swiss authorities. Health insurance is mandatory here and, if you happen to have an accident, you won't necessarily be able to get home to Ireland for treatment.
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Old 21.03.2012, 01:25
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Re: Am I resident?

If you aren't working in Ireland you probably aren't paying tax and prsi there either, so you will be seen as resident here, I imagine. There are rules about percentage of days of year divided between countries, but I think you have to accept you are obliged to have insurance from day one, they will be kind enough to backdate it for you too, I'm afraid!
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Old 21.03.2012, 11:36
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Re: Am I resident?

If you have a B permit your resident, it's a residents permit end of story.
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Old 22.03.2012, 21:59
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Re: Am I resident?

Have a look into VHI global insurance - I think there have been some posts here that it is accepted by the Swiss authorities.
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Old 22.03.2012, 22:03
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Re: Am I resident?

What YOU consider yourself to be will not matter much to the Swiss authorities I'm afraid

You should check seriously though re your work permit becoming invalid if you spend 50% of your time out of CH. Does anybody here have any reliable info on this?

Edit, from official website:

If you become a Swiss resident, you are supposed to live in Switzerland for most of the year. This means a total of at least 180 days a year.
If your life leads you to spend time in several countries and perhaps less than 180 days a year in Switzerland, it doesn't mean that you cannot be or remain a Swiss resident. As long as you can show that your actual center of life in Switzerland (family, house, pets, etc...) and that you don't spend more time in any given country than in Switzerland, your resident status should not be challenged.
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Old 22.03.2012, 22:05
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Re: Am I resident?

Quote:
What YOU consider yourself to be will not matter much to the Swiss authorities I'm afraid

You should check seriously though re your work permit becoming invalid if you spend 50% of your time out of CH. Does anybody here have any reliable info on this?
Well just dont tell anybody unless the op wants a cross border permit.
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Old 23.03.2012, 21:14
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Re: Am I resident?

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Have a look into VHI global insurance - I think there have been some posts here that it is accepted by the Swiss authorities.
I can second that. A former colleague of mine is on VHI global here and he was saying you can use it for the first 5 years abroad. He's paying about 1/3 of what Swiss health insurance companies are charging.
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Old 23.03.2012, 22:14
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Re: Am I resident?

If you want to stay Irish resident you need a cross border G permit.

As you are leaving Swiss every week to go back to Ireland you would be able to get one.

http://www.expatica.co.uk/essentials...and_13351.html

G permit: Cross-border commuter
Workers receive this permit if they are EU/EFTA residents and work in Switzerland. They may stay in Switzerland, but must return abroad at least once a week and register their Swiss residence with the communal authorities. For EU-17/EFTA nationals, no border zones apply; residence can be anywhere in the EU/EFTA and the workplace can be anywhere in Switzerland. For EU-8 nationals, residence and workplace must lie within designated border zones. (Contact your cantonal labour market authority for details.)

The following guide provides a timeline for the required types of permits:

EU-17/EFTA nationals
9 - 90 days of employment: registration (no permit required)
120-day permit with sporadic in and out trips
3 - 12 months: L permit (short-term residence permit)
12 months or more: B permit (residence permit)
5 years or more: C permit (settlement permit)
8 days per calendar year: in general without permit and registration
Cross-border Commuter Permit: G permit
Work permit for family members of an international civil servant: Ci permit
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Old 23.03.2012, 22:23
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Re: Am I resident?

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If you want to stay Irish resident you need a cross border G permit.

As you are leaving Swiss every week to go back to Ireland you would be able to get one.

http://www.expatica.co.uk/essentials...and_13351.html
My former colleague has a permit B, works full time and resides here full time. He doesn't leave the country to go back home every weekend. He's been availing of VHI global irish insurance for the last 2.5 years or so and it's perfectly acceptable. All I can say I wish I knew that I could extend my VHI before it got signed up with Swiss health insurance. It's really worth considering.
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