Do local (Swiss) insurance companies issue insurance for people who are not residents but would like to stay longer?
So I'm wondering if someone has some answers for me. I know the rules are that if you stay in Switzerland for 3 months or longer, you need local health insurance. Does this apply also for EU residents/citizens who stay longer then 3 months, for perhaps maybe 6 months?
For a start, if you stay more than 3 months, you have to apply for a residence permit.Then you need health insurance, but citizens of some border countries are allowed to keep insurance from their own country (I believe).
Even as an EU national you cannot be here for more than 3 months as a tourist. So you either leave Switzerland or you become a resident, get a job here, register with the commune/gemeinde and get Swiss health insurance.
Just wondering. If you move to Switzerland, you have 3 months to finalise health insurance, but it will be backdated to day of arrival, which is registered at the Commune/Gemeinde. What happens if you came on holiday, and then stayed. You can't really stay for 3 months, then register and only pay from then on, oder?
Definitely you'll be obliged to have health insurance from the month you've registered here. You have 3 months to do it yourself otherwise you'll be enrolled automatically to a random insurer.
There is a special rule letting you to continue your current health insurance if it covers you in Switzerland too. However you have to ask to have it verified and approved or not.
What about people who are here for extended period on vacation? I have no idea. I had already been ~6 weeks in Switzerland when I finally registered, because I was starting a job here. I put the job start date as the day of my arrival and didn't have to pay the initial 2 months of insurance, even though I had to show rent contract to register, which indicated an earlier date (I was prepared to say that I had to rent it in advance but I moved later. No one even asked ).
Yes you can. If you are here as a tourist you are not considered resident so you don’t need to register for health insurance.
If you stay as a tourist for three months and decide to stay on (either due to finding a job, as a jobseeker with a jobseekers permit or for some other reason) then you need to register and it’s at that point that you become liable for health insurance here.
It goes without saying that it is advisable to have insurance coverage from your country of residence to cover you for the time you are here as a tourist.
It is also worth understanding exactly what the EU/EEA/CH healthcare cards actually cover. They are intending to cover you for travel and require that the host state treats you as if you were a resident in giving you treatment for the injuries or illness you have. And the issuing state also has residency rules regarding the validity of the cards.
GHIC only covers for the emergency part. You then have to have repatriation insurance to go home for further treatment.
That is only for mainland UK citizens. NI born citizens who identify as Irish are entitled to an EU health-card paid for by the Irish government.
I’m reading that some retire’s don’t need health insurance cover and can get exceptions:
https://www.ch.ch/en/insurance/healt…alth-insurance
Anyone have any experience on what basis they do exceptions? I made an inquiry already to the town, however any relevant info someone has would be welcome information.
There are several threads on the topic....
In summary you'll get an exception as a retiree if the country paying the highest percentage of your first pillar pension assumes responsibility for your healthcare in Switzerland. But you won't even get a permit to retire here unless you can show that you will not become a burden on the state in the first place.
And remember that you pay for all the months you were here, even if you get your insurance in the second/third months you pay retrospectively for the previous months.
This is no longer the case. You pay from the day of arrival. But in this case, not sure how it works if someone has been on 'holiday' for 1st three months?
OP, are you retired? And are you from EU/EFTA? Exemption S1 is for those of official state retirement age, from EU/EFTA who only receive pensions from their country, and none from CH.