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HEALTH

Reader question: Can I put my Swiss health insurance on hold if I’m abroad?

Given how expensive health insurance premiums are in Switzerland, you may be tempted to suspend your policy while you are abroad. Is this possible?

Reader question: Can I put my Swiss health insurance on hold if I'm abroad?
Whether or not you can suspend your health insurance depends on how long you stay abroad.Image by Joshua Woroniecki from Pixabay

Unlike the obligatory car insurance, which you can suspend temporarily by depositing your registration plates at the local motor vehicles office, rules pertaining to health insurance are much stricter.

As the Federal Office of Public Health explains it, “If you leave the country for a certain period to travel or study but do not take up residence abroad, you are still required to have [health] insurance in Switzerland”.

In other words, as long as you are a registered resident of Switzerland, regardless of your nationality or passport, you must keep your compulsory Swiss health insurance and pay your premiums. While you do this, you also remain covered against most medical emergencies while you travel.

However, rules are less stringent for supplemental health plans which can, in some cases, be put on hold, depending on the insurance provider, according to Switzerland’s Moneyland consumer website.

The only exception allowed for suspending the health insurance coverage is during a military or civil protection service which lasts more than 60 consecutive days.

“During these periods, the risks of illness and accident are covered by military insurance. Your health insurance provider will refund your premiums”, according to FOPH.

Under what circumstances can you cancel your Swiss health insurance?

Swiss law says you can cancel your insurance if you are moving abroad, either permanently for for a period exceeding three months.

If you do so, only claims for treatments given while you still lived in Switzerland will be paid by your insurance; any medical bills for treatment incurred after you officially leave will be denied.

These are the procedures for cancelling your compulsory health insurance if you leave the country under conditions mentioned above

To announce your departure abroad, you must send your insurance carrier a letter including your name, customer number or AVS/AHV number.

You must also include a certificate from your place of residence in Switzerland confirming that you have de-registered from your current address, as well as the date of your departure.

Note, however, that if your new destination is another Swiss community / canton, rather than a foreign country, your insurance can only be cancelled from the following calendar year and only if you present proof of having taken up a new policy with another company.

READ MORE: EXPLAINED: How to register your address in Switzerland

You can find out more information about this process here

If you suspend your health insurance for less than six years, you can reactivate it at a later date with the same company when you return to Switzerland.

READ MORE : What you should know about your Swiss health insurance before you go abroad
 

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For members

RESIDENCY PERMITS

Reader question: How can I bring my family to live with me in Switzerland?

Family reunification can be tricky in Switzerland, depending on where you and your family are from. Here is what you need to know.

Reader question: How can I bring my family to live with me in Switzerland?

If you live in Switzerland, you might want to bring your family from abroad to live with you. However, this will not be possible in every case, as the rules for family reunification vary broadly depending on where you and your family are from and how closely related you are.

Family reunification might not be a given right for those living in Switzerland on a permit. Instead, it may be a possibility left to the discretion of the authorities. Unlike those on a B permit (residence permit), people in Switzerland on a C permit (settlement permit), for example, don’t necessarily have a right to bring their family.

READ ALSO: Five things to consider when organising childcare in Switzerland

Additionally, you can’t bring just any family members to Switzerland. Who you are allowed to bring, and under what circumstances, will depend on your nationality.

For Swiss citizens

If the person living in Switzerland is a Swiss citizen, they are allowed to bring their spouse or registered partner, any children and grandchildren under the age of 18 (or 21 or dependent if the child comes from an EU/EFTA country), your dependent parents and grandparents if they come from an EU/EFTA country.

For citizens of an EU/EFTA country

Citizens of the European Union or an EFTA country can bring a spouse or registered partner, any children or grandchildren under the age of 21 (or dependent), and any dependent parents or grandparents.

For citizens from a third country

Citizens from a third country such as the US, Canada, Brazil, the UK, South Africa or Australia, for example, are only allowed to bring a spouse or registered partner and children under the age of 18.

How to bring them?

It’s important to mention that there are time limits to applying for family reunification. In general, people have five years to apply for family reunification, but only one year if the application is for children over 12 years old. The Swiss government says it is “so that they can integrate more rapidly into Swiss society”.

READ ALSO: What is the EU’s ‘single permit’ for third-country nationals and can I get one?

There are several other conditions that need to be met. For example, you need to prove the relationship to the person you want to bring, and you need to have a large enough accommodation to house the whole family.

Additionally, those who are self-employed or unemployed need to show proof of sufficient financial resources.

The family members need a valid identity card or passport, a visa (if necessary), and a certificate proving the relationship and proving they are dependents (if required). In addition, a spouse needs to show proof of A1 language or a certificate of enrolment in a language course of the area where they apply for the permit.

The application must be made with the immigration authority in your canton, who may ask for extra documents or further information.

READ ALSO: How long can I stay out of Switzerland and keep my residency rights?

If the application is accepted, the family members will receive a residence permit – the exact type depends on the person in Switzerland’s status. The family will be allowed to work in Switzerland unless they are parents or grandparents.

Children are required to attend free compulsory schooling at least until the age of 16 and all family members need to have a Swiss health insurance.

Each canton may have its own particular rules and minor differences in status and documents may lead to different outcomes depending on the case. Therefore, don’t forget to check with your cantonal immigration authority what applies to your particular case.

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