I wonder if you guys are aware: There is KVG health insurance that officially costs 70 CHF per month. This is for the standard model with franchise 300 CHF p.a. and co-payment 700 CHF p.a. including accident insurance. It is available only for employees who are posted abroad by their Swiss employer who will work AND RESIDE in a country outside EU/EEA/UK. I believe the low premium reflects the true cost this group of people causes to insurance companies. Bear in mind that often it is young or middle-aged employees without any health problems who go abroad for their employer. They often are double-insured with private health insurance or foreign mandatory health insurance, from which their KVG insurance does not exempt them. Healthcare costs abroad are often cheaper and capped. While Swiss nationals can easily take advantage of these rates, foreign nationals on B or C permit are completely barred from them. They must continue to pay the premiums at their last Swiss residence. This is because health insurances require “deregistration confirmation from Swiss municipality” to grant the cheap premiums, along with other proof of residence abroad and actual time spent abroad. While Swiss nationals can simply deregister and reregist, immigration law stipulates that deregistration leads to revocation of B or C permit. However, postings require ability to come back to Switzerland, and employers require employees to keep their permit during the posting. This practice of Swiss health insurers to require Abmeldungsbescheinigung is not legally sound but even if you argue with them, you are rejected. The interactions between Swiss immigration law and Swiss health insurance law (or insurers’ interpretation thereof, that move residence is equal to Abmeldung) causes this defacto discrimination. By the way, migration office typically allows upholding one’s B or C permit in cases of postings, even if the ordinary residence no longer lies in Switzerland, but only if no Abmeldung is made - presumably to protect Swiss employers’ postings and to not revoke acquired immigration rights from foreign employees for doing postings in the interest of their employer. Insurance companies actually profit from those who, on the one hand, actually reside abroad and thus cause much lower reimbursements but, on the other hand, pay much higher premiums. Only certain health insurances (the big ones) have these cheap premium categories for posted workers who also reside in the non-EU/EEA/UK country of posting. Smaller insurances are not required to introduce this premium category. If you are covered by an insurer that lacks the posted workers premium region, then you will continue to pay either the premium at your last residence or at the legal domicile of the insurer. In that case, you are unlucky because a posting is not an event that allows you to switch health insurance provider outside the regular switching cycle. So if you feel like you might be posted, make sure you switch to the right (large) insurer EARLY. https://www.priminfo.admin.ch/downloads/wegweiser_entsandte.pdf Your thoughts on this special niche “hot discount premium” by the Swiss health insurance system? And how it discriminates against foreigners? submitted by /u/OkBeyond8244
Originally posted by u/OkBeyond8244 on r/Switzerland