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CROSS-BORDER WORKERS

Reader question: Can cross-border workers get vaccinated in Switzerland?

Readers have been asking questions about Switzerland's vaccine rollout including whether cross-border workers can get the injection and whether you have to get it in the canton where you live?

Reader question: Can cross-border workers get vaccinated in Switzerland?
AFP

Cross-border workers are an essential component of Switzerland’s economy. 

In 2019, an estimated 325,000 people crossed the border into Switzerland every day to work – 177,000 from France, 76,000 from Italy and 60,000 from Germany.

While cross-border workers may live in neighbouring countries, many have health insurance which is tied to their Swiss employer. 

With different countries rolling out their vaccination programs at different times, readers have asked if they can get the vaccine in Switzerland – or if they can chose where to get vaccinated. 

Can cross-border workers get vaccinated in Switzerland? 

Cross-border workers can get vaccinated for the coronavirus in Switzerland.

This will however depend on their health insurance. 

Cross-border workers covered by Swiss health insurance can be vaccinated in Switzerland, according to the Federal Office of Public Health (FOPH).

Anyone in this category will have the costs covered by their health insurance provider, the Swiss government and the cantons. 

Also those who don’t have Swiss insurance coverage but are employed in the healthcare sector where they are in direct contact with patients can get their shots in Switzerland.

The government defines ‘healthcare sector workers’ as those “with patient contact and care personnel in nursing and old people’s homes”. 

In mid-August, the Federal Council said it would grant access to vaccination to people “with a close link with Switzerland”, including all uninsured cross-border commuters, “since they are regularly in Switzerland and may influence the evolution of the pandemic”.

Inoculation would also be extended to Swiss citizens living abroad and their immediate families — even if they don’t have health insurance in Switzerland. 

Some industries and regions rely much more heavily on cross-border workers – known as frontaliers in French, Grenzgänger in German and frontalieri in Italian – than others. They represent one third of the workforce in some cantons. In Geneva some 60 percent of the city’s health workers live in France.

In the canton of Ticino, one in five healthcare workers lives over the border in Italy – approximately 4,000 people. Ticino’s population swells from approximately 360,000 people to 440,000 during an average work day due to cross-border workers from Italy.

What if I my insurance is not Swiss and I do not work in health care – where should I get vaccinated? 

Those who don’t fall under either of the two categories should be vaccinated in their home countries, with the cost liability for the vaccination to be borne out by their home health insurance provider. 

Foreign nationals living in Switzerland can also get a vaccine on the same terms as Swiss nationals, meaning it will be free of charge and there will be no priority for Swiss citizens over legal Swiss residents. 

Similarly, Swiss residents are free to be vaccinated in the canton of their choice. 

 

 
 

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For members

HEALTH INSURANCE

Why cross-border workers could pay higher Swiss health insurance premiums?

Swiss MPs are set to decide on the new method of determining health insurance premiums in cantons where many cross-border workers are employed.

Why cross-border workers could pay higher Swiss health insurance premiums?

During its spring session, which will be held from February 26th to March 15th, the parliament will vote on whether G permit holders will be included in the overall health insurance scheme’s calculation of risk — a change that has been in the works for several years.

If it passes — as it is expected to — local residents  of border cantons will benefit from some premium reductions, while border commuters who have opted for the Swiss insurance will pay more (see below).

Are cross-border workers obligated to take up Swiss insurance?

Basic health coverage (KVG / LaMal) is obligatory for everyone working in Switzerland.

Unlike permanent residents, however, cross-border commuters have a choice of being affiliated with the health insurance system in their home countries,  or purchasing a Swiss policy, which covers their medical treatment in both nations.

Why is Switzerland including G permit holders in the overall calculation of  risk?

According to the Federal Office of Public Health (FOPH), “many cross-border workers choose to seek treatment in Switzerland, which contributes to increasing health costs. This is why the Federal Council is putting forward the principle of solidarity to include cross-border policyholders in the calculation of risk compensation.” 

The ‘principle of solidarity’ means that, rather than applying an individual approach to healthcare insurance, Switzerland’s system is based on the idea that all insured people form a group.

READ ALSO : How the Swiss health insurance system is based on solidarity

As a result of including G permit holders in the overall scheme, local residents will benefit from some premium reductions, while border commuters who have opted for the Swiss insurance will pay more.

For instance, basic insurance premium for residents of Basel-City will cost 13 francs less each month, and in Geneva, it will decrease by 14 francs. 

At the national level, however, premiums for permanent residents  are expected to decrease by an average of only 1.60 francs per month.

On the other hand, the average premium for cross-border commuters domiciled in Germany will increase by around 45 francs, and for those living in France by around 129 francs per month.

Concretely, this means that G  permit holders from Germany will pay 295 francs a month, and those from France 336 francs.

Is Swiss insurance scheme more expensive  for cross-border workers than the one in their country?

It depends.

As an example, according to an information website for G permit holders from France, it is not necessarily the case.

That’s because  “in the case of French health insurance, the price is indexed to your salary. The higher your salary, the more you pay.”

In Switzerland, on the other hand, health insurance is not income-based.

It follows that cross-border employees from Italy, Germany, and Austria, should also calculate which country’s insurance system is more beneficial for them.

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