My girlfriend moved recently to Switzerland. We've contacted Concordia to get her a health insurance. I had no prior experience with then but some friend of ours said it was a good provider.
We got the bill for the period and it deviates from what we signed. The picture with the surcharge is the standing bill and the scanned photo is the offer from the contract. Does anyone know what this "Prämienzuschlag" refers to and if it is normal? It really feels like a scam that you sign a contract and all of a sudden they screw you up without clarifying.
Does anyone know if the contract could be terminated? Like if the service is bad you could swap the provider within X months, or if we are stuck with them until end of the year?
Thanks in advance!
by ChampionshipUsed308
7 comments
it’s really stupid, you sign a contract and they can modify in the starting year due to some kind of variable which they calculate to make this price possible. I had the same but my policy only went up by 30 CHF with Swica
It would help to read the law …
Those 100.- are due because your GF moved here but took longer than 3 months to get health insurance
Did she get health insurance more than 3 months after arriving in Switzerland? Art 5 Abs. 2 is about surcharge if you got health insurance too late. It’s not “just” a Concordia thing but decided at the federal level.
[https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/de](https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/de)
I guess you signed it some months later than you actually immigrated? My guess is every insurance applies the same surcharge for this ongoing year, so a change would not change anything.
KVG (health insurance law) article 5, paragraph 2:
“Bei verspätetem Beitritt beginnt die Versicherung im Zeitpunkt des Beitritts. Bei nicht entschuldbarer Verspätung entrichtet die versicherte Person einen Prämienzuschlag. Der Bundesrat legt dafür die Richtsätze fest und berücksichtigt dabei die Höhe der Prämien am Wohnort der versicherten Person und die Dauer der Verspätung. Für Versicherte, bei denen die Entrichtung des Beitragszuschlages eine Notlage zur Folge hätte, setzt der Versicherer den Beitragszuschlag herab, wobei er der Lage der Versicherten und den Umständen der Verspätung angemessen Rechnung trägt.”
I dont know if the 100chf surcharge is normal in your region but it seems you registered late for the insurance. You should call them and ask why they deemed you late.
ChatGPT translated it and says it’s a 100 chf fine for registering late (3 months). Can’t help beyond that as I haven’t made my move to Switzerland yet. just lurking here to learn and figured I’d share what ChatGPT told me when I had it translate the invoice.
The reason for the surcharge can be found in the KVG law, Art. 5, Abs. 2. It looks like your girlfriend didn’t got the insurance (which is mandatory) right away when she moved to Switzerland. The 100 CHF are kind of a fee for the time she was not insured.
The law text in German:
Abs. 1: Bei rechtzeitigem Beitritt beginnt die Versicherung im Zeitpunkt der Wohnsitznahme in der Schweiz.
Abs. 2: Bei verspätetem Beitritt beginnt die Versicherung im Zeitpunkt des Beitritts. Bei nicht entschuldbarer Verspätung entrichtet die versicherte Person einen Prämienzuschlag. Der Bundesrat legt dafür die Richtsätze fest und berücksichtigt dabei die Höhe der Prämien am Wohnort der versicherten Person und die Dauer der Verspätung.
Comments are closed.