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Old 02.06.2015, 11:22
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LSV for health insurance company

Hi all,

I have a question regarding an issue with my health insurance company. About a couple of months or so before Christmas I arrived in Switzerland and soon after I made a contract with a health insurance company (Concordia). I also made an LSV arrangement with them to pay the bills, as I have done for all other stuff (rent, internet, electricity company etc).

The problem is that even though the LSV appears active on my ebanking, Concordia keeps sending me paper bills and they never take the money from my account. Just to clarify, there's enough money in my account and all other LSVs are working perfectly.

I have exchanged several emails with them and they claim that the LSV is active on their side as well and that "they are certain that next month" it will definitely work. Except that this has been happening for the last 6 months and it never does work....

Due to work I travel a lot for extended periods of time and I don't want to worry about bills etc. Also, I'm quite fed up with their lack of professionalism and their patronizing attitude and as a last resort I'm thinking of switching companies, but other than that, does anyone have any advice on what to do?

Thanks!
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Old 02.06.2015, 11:33
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Re: LSV for health insurance company

As the premiums are for the same amount each month, cancel the LSV and make a regular monthly payment from your bank to them.
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Old 02.06.2015, 11:39
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Re: LSV for health insurance company

Good point, but what happens if the premium gets readjusted(=increased), say next year but I'm not here?
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Old 02.06.2015, 11:44
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Re: LSV for health insurance company

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Good point, but what happens if the premium gets readjusted(=increased), say next year but I'm not here?
You will know at the end of October the premiums for January 2016. Plenty of time to adjust the premium payment amount.

I NEVER sign an LSV. My main complaint is that the companies can take any amount, in error, from your account with an LSV, and it takes months to get a refund from them.
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Old 02.06.2015, 11:45
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Re: LSV for health insurance company

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You will know at the end of October the premiums for January 2016. Plenty of time to adjust the premium payment amount.

I NEVER sign an LSV. My main complaint is that the companies can take any amount, in error, from your account with an LSV, and it takes months to get a refund from them.
The refund will come from the bank immediately if you ask......
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Old 02.06.2015, 11:45
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Re: LSV for health insurance company

You have the right to object in 30 days with your bank, so the companies are never involved in this matter
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Old 02.06.2015, 11:52
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Re: LSV for health insurance company

I am sorry, but my experience was not the same. My point is this: it is surely safer for you to pay them, rather than their bank to collect from your bank?
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Old 02.06.2015, 11:57
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Re: LSV for health insurance company

Given their incompetence in this matter, I am starting to seriously consider your point and just make a standing order.
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Old 02.06.2015, 13:44
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Re: LSV for health insurance company

I just realized that this is not an option as the orange slips they send every month have a different reference number each time, which means they will not connect my payment with my bills if it's not correct...

Any other ideas/options?
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Old 02.06.2015, 14:57
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Re: LSV for health insurance company

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I just realized that this is not an option as the orange slips they send every month have a different reference number each time, which means they will not connect my payment with my bills if it's not correct...

Any other ideas/options?

We use a standing order. I set up the standing order to pay from my bank account each month. I set it up for a year at a time, starting with the end of December of the prior year (january payment) and ending with the end of November of the current year(december). I use the reference number on the first orange slip they send us. It should go through with the same reference number each month.
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Old 02.06.2015, 15:12
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Re: LSV for health insurance company

Transfer it as a lump sum for the whole year. Some companies give you a small rebate if you ask about this option.
(Re: Changing reference number, I would not care and just try it. But that is me.)
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Old 12.06.2015, 14:29
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Re: LSV for health insurance company

The reference number is connected to your customer ID, which is what counts. So you can use any "orange" reference number for a standing order.

ÖKK, Atupri, Assura, Sympany, KPT und Visana give you 1% rebate if you pay annually (in advance), perhaps others as well. Though switching based on that alone would be penny-wise, pound-foolish.
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