I've checked comparis.ch and the cheapest solution I found was 362 monthly which from my current salary is insane. Can anyone advise, please?
Thanks a mil
Hi, I'm new to Switzerland and I got a 50% work contract, registered at Gemeinde and now I need to start paying the insurance. I'm not planning on using it much and honestly from my current pay I'm just trying to find the cheapest possible solution for me just to follow the law .
the cheapest basic health insurance is around 248.80 sfr per month found on comparis.
You don't provide any details (date of birth, PLZ, Franchise), so we can only guess the dates.
Have you put on the quotation the maximum excess/franchise - 2'500 CHF? Tends to bring it down at least under 300 CHF
It depends on exactly where you live. Different cantons have different rates and the same company may be cheaper in one canton than in another.
Only somebody in the same situation as you living in the same postcode can tell you what is the cheapest for you.
But if you do this, make sure you build a reserve to ensure you have the cash available to pay 2500.- in case something happens.
Also make sure you take out accident coverage as you are covered by your employer (who may or not pass the costs to you according to company policy)
https://www.priminfo.admin.ch/
The official comparison site quotes CHF 267.50 for a 35 old living in Küsnacht (location as in your profile).
However, that means you’d have to pay the first chf 2500 of the medical costs per year yourself, so this is an option for a healthy person without chronic diseases.
If your income is low, you'll get a rebate via tax the following year.
Do bear in mind that if you do become sick unexpectedly, it's going to cost you up to 3200 francs a year, if you have maximum franchise. In my first year in Switzerland I became ill, required surgery, and the final bill was over 100,000 francs.
I have the basic coverage + some extras (any canton, any hospital in Europe) and pay 289 CHF a month with 2'500 franchise and 700 out of copay or whatever is the translation to EN.
So, the time I got really sick I paid little by little towards the 3'200 in doc appointments, medicament and magnetic imaging. Some of costs I paid myself, others the invoice was sent directly to the insurer. By the time I got to the hospital for surgery the invoice went into 5 figures, but I had already covered the 3'200.
If I remember well, the insurer sent me a letter asking if I was ready to pay the costs that were invoiced directly to the them in a single invoice, or they could split it up to 3 months. Nice to know that flexibility exists.
If ~300 chf sounds insane to your income, you might be eligible for a cantonal aid. Maybe it depends on a canton, but I remember that VD was offering to cover the health insurance premiums of people with low income.
Does accepting this reduction not endanger you permit - as permits are given based on your ability to support yourself?
Maybe, but I'm not sure if it's true for EU citizens. Remember, there's a freedom of movement in force, so it doesn't really matter if you're self sufficient here
I know of EU citizens who have had permits rejected due to lack of hours/pay - or they've had to submit evidence of savings to supplement their contracts. There is freedom of movement, but you still have to show you can support yourself.
Health insurance subsidy doesn’t affect the permit but it may have an impact on naturalisation applications further down the track if it is a long term thing.
I've heard that supposedly it is not considered as other "social" help (for example it doesn't have to be paid pack if one had means to do it) and a large part of the population receives it. But this is just old memories.
Isn't there a minimum amount you have to earn to get a B permit as an EU citizen?
Unfortunately, health insurance is rather expensive and a price around 300chf is normal.
Try applying for a reduction, however, you will not receive it until next year :/
It might take a while before the reduction is paid out (directly to your insurance company) but in Kanton Zurich you have until march next year to apply for the current year. Even if you pay tax at source you are eligible if your income is low. Contact the SVA and check out the ‘kundeninformationen’ at the bottom of this page: https://svazurich.ch/ihr-anliegen/pr…ne-fragen.html
The premium reduction does NOT count as social support and indeed is received by many people, especially families with children who are eligible even up to an income of 90K