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any HR or legal here? what does that mean?

Hello guys,


 


Ive been made a job offer that im currently considering. what one of the thing they are mentioning is: "Health Insurance premiums will be at the entire cost of the company (but submitted to tax)"


 


I was wondering if there are any HR or legal people here who can help me to find out the meaning of it?


Also, whats the normal procedure with regards to health insurance in switzerland? is it paid separately by a person or covered by employer?


 


thanks a lot!

The text you are quoting:

Hello guys,


 


Ive been made a job offer that im currently considering. what one of the thing they are mentioning is: "Health Insurance premiums will be at the entire cost of the company (but submitted to tax)"


 


I was wondering if there are any HR or legal people here who can help me to find out the meaning of it?


Also, whats the normal procedure with regards to health insurance in switzerland? is it paid separately by a person or covered by employer?


 


thanks a lot!


olga pJun 18, 2013 @ 00:08
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Re: any HR or legal here? what does that mean?
Post 1

it simply means that an amount will be paid above the stated salary ( i.e. 7'000 sfr per month) and 300.- for example,  will be added to that amount to cover health insurance.


it will be considered as income by the tax people. however, what you do with this amount is up to you.


if the company offers you health coverage, you may or may not accept the offer, but the amount paid will be on top of your salary and considered as income by the tax office.


all residents in switzerland are obliged to have health insurance.


 

The text you are quoting:

it simply means that an amount will be paid above the stated salary ( i.e. 7'000 sfr per month) and 300.- for example,  will be added to that amount to cover health insurance.


it will be considered as income by the tax people. however, what you do with this amount is up to you.


if the company offers you health coverage, you may or may not accept the offer, but the amount paid will be on top of your salary and considered as income by the tax office.


all residents in switzerland are obliged to have health insurance.


 


epicure, Jun 18, 2013 @ 00:23
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Re: any HR or legal here? what does that mean?
Post 2

Dear Epicure,


Thanks for the explanation. They don't actually mention what the amount will be, is it a fixed one i can find out about?


Also what if i already have a health insurance from another european country also covering switzerland. do i need to take a local one as well? if so, whats the average spent on health insurance in switzerland? ( appology for this storm of questons, im quite new to all this)

The text you are quoting:

Dear Epicure,


Thanks for the explanation. They don't actually mention what the amount will be, is it a fixed one i can find out about?


Also what if i already have a health insurance from another european country also covering switzerland. do i need to take a local one as well? if so, whats the average spent on health insurance in switzerland? ( appology for this storm of questons, im quite new to all this)


olga p, Jun 18, 2013 @ 00:32
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Post 3

ask them.


if you already have health coverage ( you must be covered for health issues by your insurer for switzerland and be able to prove it ) . you can accept the company's insurance or keep yours, but it is costly and not useful to have both, as only one will pay.


also, the one you presently have may require you to pay up front  and then you have to ask for reimboursement from them, whereas a swiss health insurance will not. for example, depending on your coverage, at the hospital you only need to show your swiss insurance card.


also, don't forget accident insurance. in switzerland it is also required for both professional and non-professional ( work and non work related accidents)


ask your employer about that. often they will cover both.

The text you are quoting:

ask them.


if you already have health coverage ( you must be covered for health issues by your insurer for switzerland and be able to prove it ) . you can accept the company's insurance or keep yours, but it is costly and not useful to have both, as only one will pay.


also, the one you presently have may require you to pay up front  and then you have to ask for reimboursement from them, whereas a swiss health insurance will not. for example, depending on your coverage, at the hospital you only need to show your swiss insurance card.


also, don't forget accident insurance. in switzerland it is also required for both professional and non-professional ( work and non work related accidents)


ask your employer about that. often they will cover both.


epicure, Jun 18, 2013 @ 00:37
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Re: any HR or legal here? what does that mean?
Post 4

many thanks :)

The text you are quoting:

many thanks :)


olga p, Jun 18, 2013 @ 00:50
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