La mia ragazza si è trasferita di recente in Svizzera. Abbiamo contattato Concordia per procurarle un’assicurazione sanitaria. Non avevo esperienza precedente con allora, ma alcuni nostri amici hanno detto che era un buon fornitore.
Abbiamo ottenuto il conto per il periodo e si discosta da ciò che abbiamo firmato. L’immagine con il supplemento è la fattura permanente e la foto scansionata è l’offerta del contratto. Qualcuno sa cosa questo "Supplemento premium" si riferisce a e se è normale? Sembra davvero una truffa che firmi un contratto e all’improvviso ti rovinano senza chiarire.
Qualcuno sa se il contratto potrebbe essere risolto? Come se il servizio è male, potresti scambiare il provider entro x mesi o se siamo bloccati con loro fino alla fine dell’anno?
Grazie in anticipo!
https://www.reddit.com/gallery/1lm54bc
di ChampionshipUsed308
7 commenti
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.