I know that employers require med/disability insurance. What Swiss service providers are there? Is it easier to get insurance from own home country rather than the Swiss one? Any thoughts, advice, comments?
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Any advice for insurance for employment?
Oct 29, 2009 @ 15:26
The text you are quoting:
I know that employers require med/disability insurance. What Swiss service providers are there? Is it easier to get insurance from own home country rather than the Swiss one? Any thoughts, advice, comments?
Regina ZOct 29, 2009 @ 15:26
Regina ZOct 29, 2009 @ 15:26
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Re: Any advice for insurance for employment?
Post 1
Oct 29, 2009 @ 16:48
swiss employers mst have an AVS inscription, accident insurance and a 2nd pillar pension, which must all be swiss based. Providing medical insurance is optional but if provided must be swiss based and offered to all employees.
all individuals must have medical insurance. If they have a swiss contract of employment the assurance must be swiss. Alternatively, If they are 'detached' from obraod they may be able to use their existing scheme.
companies and quotes for personal assurances can be found on www.comparis.ch.
For business assurances see a specialist broker. good luck
all individuals must have medical insurance. If they have a swiss contract of employment the assurance must be swiss. Alternatively, If they are 'detached' from obraod they may be able to use their existing scheme.
companies and quotes for personal assurances can be found on www.comparis.ch.
For business assurances see a specialist broker. good luck
The text you are quoting:
swiss employers mst have an AVS inscription, accident insurance and a 2nd pillar pension, which must all be swiss based. Providing medical insurance is optional but if provided must be swiss based and offered to all employees.
all individuals must have medical insurance. If they have a swiss contract of employment the assurance must be swiss. Alternatively, If they are 'detached' from obraod they may be able to use their existing scheme.
companies and quotes for personal assurances can be found on www.comparis.ch.
For business assurances see a specialist broker. good luck
wilycoyote, Oct 29, 2009 @ 16:48
all individuals must have medical insurance. If they have a swiss contract of employment the assurance must be swiss. Alternatively, If they are 'detached' from obraod they may be able to use their existing scheme.
companies and quotes for personal assurances can be found on www.comparis.ch.
For business assurances see a specialist broker. good luck
wilycoyote, Oct 29, 2009 @ 16:48
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Re: Any advice for insurance for employment?
Post 2
Oct 29, 2009 @ 17:13
Appropos.Do you know if there's any way to get exempted from that mandatory
swiss health insurance? The are very expensive and offer poor service. I am much happier with
my German private health insurance, but still must pay 250CHF / mth for
nothing.
Many thanks
Risto
swiss health insurance? The are very expensive and offer poor service. I am much happier with
my German private health insurance, but still must pay 250CHF / mth for
nothing.
Many thanks
Risto
The text you are quoting:
Appropos.Do you know if there's any way to get exempted from that mandatory
swiss health insurance? The are very expensive and offer poor service. I am much happier with
my German private health insurance, but still must pay 250CHF / mth for
nothing.
Many thanks
Risto
Risto, Oct 29, 2009 @ 17:13
swiss health insurance? The are very expensive and offer poor service. I am much happier with
my German private health insurance, but still must pay 250CHF / mth for
nothing.
Many thanks
Risto
Risto, Oct 29, 2009 @ 17:13
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Re: Any advice for insurance for employment?
Post 3
Oct 29, 2009 @ 18:58
Risto: no way to get around the local Basic-Health Insurance. It's mandatory, and the authorities actually follow up on people who didn't get it.
What you can do is go for a Basic Health Insurance model that lowers (a bit) your costs, meaning:
- go for the highest self-participation fee
- go for the model where you can only go to specific doctors approved by the insurance
If you do the above, your cost can go down 15-25% vs full cost. But it still won't be cheap.
See this glocals insurance guide to Switzerland for more details. I
What you can do is go for a Basic Health Insurance model that lowers (a bit) your costs, meaning:
- go for the highest self-participation fee
- go for the model where you can only go to specific doctors approved by the insurance
If you do the above, your cost can go down 15-25% vs full cost. But it still won't be cheap.
See this glocals insurance guide to Switzerland for more details. I
The text you are quoting:
Risto: no way to get around the local Basic-Health Insurance. It's mandatory, and the authorities actually follow up on people who didn't get it.
What you can do is go for a Basic Health Insurance model that lowers (a bit) your costs, meaning:
- go for the highest self-participation fee
- go for the model where you can only go to specific doctors approved by the insurance
If you do the above, your cost can go down 15-25% vs full cost. But it still won't be cheap.
See this glocals insurance guide to Switzerland for more details. I
Nir Ofek, Oct 29, 2009 @ 18:58
What you can do is go for a Basic Health Insurance model that lowers (a bit) your costs, meaning:
- go for the highest self-participation fee
- go for the model where you can only go to specific doctors approved by the insurance
If you do the above, your cost can go down 15-25% vs full cost. But it still won't be cheap.
See this glocals insurance guide to Switzerland for more details. I
Nir Ofek, Oct 29, 2009 @ 18:58
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Re: Any advice for insurance for employment?
Post 4
Oct 29, 2009 @ 19:02
Regina:
Just to clarify, employers don't and can't force you to buy any insurance. Au contraire, employes are obliged - as Wilycoyote well said - to provide some insurance for you.
nir
Just to clarify, employers don't and can't force you to buy any insurance. Au contraire, employes are obliged - as Wilycoyote well said - to provide some insurance for you.
nir
The text you are quoting:
Regina:
Just to clarify, employers don't and can't force you to buy any insurance. Au contraire, employes are obliged - as Wilycoyote well said - to provide some insurance for you.
nir
Nir Ofek, Oct 29, 2009 @ 19:02
Just to clarify, employers don't and can't force you to buy any insurance. Au contraire, employes are obliged - as Wilycoyote well said - to provide some insurance for you.
nir
Nir Ofek, Oct 29, 2009 @ 19:02
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Re: Any advice for insurance for employment?
Post 5
Oct 30, 2009 @ 15:46
And just to add..there is a difference between medical and accident insurance here. Whereas your employer is not required to subsidise your medical insurance ( that you are obliged to have in CH) he is required by law to pay minimum 1/2 your accident insurance, the other half being taken off your salary..
The text you are quoting:
And just to add..there is a difference between medical and accident insurance here. Whereas your employer is not required to subsidise your medical insurance ( that you are obliged to have in CH) he is required by law to pay minimum 1/2 your accident insurance, the other half being taken off your salary..
Kira, Oct 30, 2009 @ 15:46
Kira, Oct 30, 2009 @ 15:46
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Re: Any advice for insurance for employment?
Post 6
Nov 2, 2009 @ 10:31
However, from what I'm seeing, if employed by the United Nations they are not obligated to make contributions to First or Second Pillar of AVS. Meaning you are not eligible for employment insurance or the swiss Pension scheme.
The text you are quoting:
However, from what I'm seeing, if employed by the United Nations they are not obligated to make contributions to First or Second Pillar of AVS. Meaning you are not eligible for employment insurance or the swiss Pension scheme.
Cocoajoe, Nov 2, 2009 @ 10:31
Cocoajoe, Nov 2, 2009 @ 10:31
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