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  #21  
Old 28.09.2020, 16:35
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Re: Health insurance fees for moving

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They said they pay their health insurance premiums annually all in one go so it must be an adjustment in premiums associated with the new address in my opinion.
I think so too. I used the handy link from Mica above and looked up my municipality vs where a friend lives. The monthly difference is about 110 Francs. If you count Sept-Dec, that's 4 months or 440 Francs. As OP pays all in one go, the bill covers the higher amount through the end of the year.
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  #22  
Old 29.09.2020, 10:28
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Re: Health insurance fees for moving

Just an update, I have called several times, as everyone who answers is unable to speak English ( I know, I know, am learning German, but can't do it overnight, it takes time to be fluent enough to understand legal/financial issues, besides, the only reason I chose this health insurance -Sanitas btw- is because they reassured me they offer English language customer support) anyway I was told several times they will call me back with an English speaker, but no one called back of course !!

So this morning I called and insisted on being put on hold until an English speaking person is free to speak with me... of course I was on hold for a very long time...

The person also went to investigate the issue/ reason for the extra fees, he again put me on hold for a long time while he investigates, and came back to me saying he can't find any reason for it...he needs to speak to his supervisor and check the reason .. then call me back ...wink wink
(off topic rant) So annoying that insurance companies and bank hire 15 year olds to deal with customers... every time I go to my bank I really get frustrated with them 15 year old at the counters, and always they have to call their supervisors to answer my questions ( supervisors are also about 19 years old) honestly they really should hire retired or nearly retired/mature customer facing staff !!

Anyway, as advised I took his name, so hopefully he will call back !!
Meanwhile I did pay the fees just in case they do start the legal proceedings, or stop my insurance, and I do hope they refund me as I really do not see a reason for these fees.
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  #23  
Old 29.09.2020, 10:36
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Re: Health insurance fees for moving

Do Sanitas not have a physical office you can go to?
I have found going in person is far more likely to generate a response, it’s much harder to fob people off when they’re standing in front of you.
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  #24  
Old 29.09.2020, 10:48
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Re: Health insurance fees for moving

Firstly if you want to cancel your health insurance then make sure you do it before the end of November. Start looking for a new company that offers services in English. I’m with CSS and everything available in English app/website/letters etc.

What bank are you with? Again I’m with UBS and everything available in English, never had an issue!
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  #25  
Old 29.09.2020, 10:53
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Re: Health insurance fees for moving

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What bank are you with? Again I’m with UBS and everything available in English, never had an issue!
We’re with Crédit Suisse and also have everything available in English.
I’ve also never had a problem with maturity if any of the staff in the Neuchâtel branch, all the ones I’ve ever dealt with are older and experience.
One of them is a grumpy old git and I try to avoid him if possible but he does know his job.
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  #26  
Old 29.09.2020, 10:54
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Re: Health insurance fees for moving

If no answer is recieved, you can always contact the health insurance Ombudsman
https://www.om-kv.ch/de/kontakt
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  #27  
Old 29.09.2020, 12:08
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Re: Health insurance fees for moving

Thanks all for your replies, really appreciate it... to be totally honest am on the verge of crying, I just have wasted a whole month with UBS asking them to send me a me new card reader as I need to pay my new landlord, they sent it twice to the wrong past address, I spent hours with them begging them to transfer MY MONEY to pay my deposit ... when the card reader finally arrived - the fancy all in one card/digital card reader, it didn't work, spent 2 hours yesterday and 2 hours today at the branch to see if the staff can resolve the issue, but they couldn't so at the end the bank employee gave up and said we will send you yet another one!!... but am changing my address in a few days, and I am sure they will be sending the new one to yet again wrong address

Plus am having to deal with the house move, and previous tenant threatening to sue me as she wanted me to pay her for the time she thought I should move in, not the actual time I actually move in ( another story) ... so back and forth to legal insurance

Then been looking into renewing my supplementary health insurance which has deadline tomorrow - end of sept-, have to rely on a 20 year old insurance broker to sort it, but I do not have faith in him ( he even threw a tantrum at me because I questioned a few things he offered WTH?? he thinks he can just send me an offer and I just have to blindly sign it)

Then HMRC in the UK making a pigs ear of everything, saying I have submitted my tax late and they fined me, even though we have confirmation I submitted the tax on time, and for my old company HMRC say I owe them VAT for a period that I had confirmation I de-registered from the VAT !! they are fining me too !! so need to go through appeal process to prove to them I did everything right !!

Then I did a blood test last Dec!!!! only June I get the bills but guess what the lab sends me all bills to my London address .. obviously didn't see them as I was stuck in Zurich, that goes into agency debt collection and have to sort it out !!

Then I get this letter from the health insurance and am wasting hours on online forms, phone calls etc, going in person as someone suggested probably means going to Winterthur and will take a day..


Oh and I do have a full time job, senior role managing 5 project for the bank I work at...

So rant rant rant, I really don't like to be negatives, but my stress levels are rising daily !!
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  #28  
Old 29.09.2020, 12:21
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Re: Health insurance fees for moving

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Thanks all for your replies, really appreciate it... to be totally honest am on the verge of crying, I just have wasted a whole month with UBS asking them to send me a me new card reader as I need to pay my new landlord, they sent it twice to the wrong past address, I spent hours with them begging them to transfer MY MONEY to pay my deposit ... when the card reader finally arrived - the fancy all in one card/digital card reader, it didn't work, spent 2 hours yesterday and 2 hours today at the branch to see if the staff can resolve the issue, but they couldn't so at the end the bank employee gave up and said we will send you yet another one!!... but am changing my address in a few days, and I am sure they will be sending the new one to yet again wrong address

Load the UBS app and go to the bank to replace the reader. I went there once and immediately got a new one, no waiting
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  #29  
Old 29.09.2020, 12:24
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Re: Health insurance fees for moving

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Load the UBS app and go to the bank to replace the reader. I went there once and immediately got a new one, no waiting
Amazingly some people can solve a problem in 30 seconds whilst others will spend the day finding new problems.
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  #30  
Old 29.09.2020, 12:32
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Re: Health insurance fees for moving

Yeh am thinking all these problems must be my fault... how could it be the fault of the very efficient well known Swiss system !
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  #31  
Old 29.09.2020, 12:34
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Re: Health insurance fees for moving

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Load the UBS app and go to the bank to replace the reader. I went there once and immediately got a new one, no waiting
Oh which branch are you going to?
I remember the one in Europalee actually was good, not sure about mine now. Thanks
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  #32  
Old 29.09.2020, 12:36
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Re: Health insurance fees for moving

One you have a working card reader, download the UBS access app and use that instead, so much easier!
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  #33  
Old 29.09.2020, 12:40
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Re: Health insurance fees for moving

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One you have a working card reader, download the UBS access app and use that instead, so much easier!
Not if you need to add a new payee ! You need the card reader, no way around it, you can’t setup a new payee without a card reader, I have several confirmation from the bank regarding this

Sorry don’t want to divert this thread. Perhaps I should ask admin to delete it!
Bad day / month lol
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  #34  
Old 29.09.2020, 13:13
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Re: Health insurance fees for moving

@SandyDown, you sound like you're in an administrative tornado! I wouldn't want to have to face all those issues at once.

In my experience in Switzerland, for complex issues phone and mail are the least efficient route to take. They should be reserved only for quick, straightforward arrangements, and should otherwise be avoided if possible. They are much less likely to achieve results than either
  • a visit to the office, for the reasons set out by Belgianmum
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    Do Sanitas not have a physical office you can go to?
    I have found going in person is far more likely to generate a response, it’s much harder to fob people off when they’re standing in front of you.
    , or
  • a physical letter posted in an envelope (and especially if you do not have the time during office hours), and even better if the letter is sent registered mail.

In all cases,
  1. Write a very clear, unemotional letter setting out what you want from them. For example:
    • If you don't understand something or think it is not justified, ask for an explanation of why it was done that way.
    • If you can prove that they must do something for you, state clearly why your documents prove this, and state what you want.
  2. Take the trouble to assemble and take into their offices, or attach to your physical letter, copies of the current bundle of relevant documents that you've received, demanding something of you, or confirming that something has been submitted, or accounts, bills, proof of payment, customer number, etc., and your written note of any phonecalls, and the names of the people you've dealt with, and print-outs of any mails.

Both of these steps save the time of the person who will receive your letter, and helps that person to pass the letter on to the right colleague who will be able to deal with it. They also liberate you from the circuitous tedium of the hotlines.
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  #35  
Old 29.09.2020, 13:24
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Re: Health insurance fees for moving

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@SandyDown, you sound like you're in an administrative tornado! I wouldn't want to have to face all those issues at once.

In my experience in Switzerland, for complex issues phone and mail are the least efficient route to take. They should be reserved only for quick, straightforward arrangements, and should otherwise be avoided if possible. They are much less likely to achieve results than either
  • a visit to the office, for the reasons set out by Belgianmum
    , or
  • a physical letter posted in an envelope (and especially if you do not have the time during office hours), and even better if the letter is sent registered mail.

In all cases,
  1. Write a very clear, unemotional letter setting out what you want from them. For example:
    • If you don't understand something or think it is not justified, ask for an explanation of why it was done that way.
    • If you can prove that they must do something for you, state clearly why your documents prove this, and state what you want.
  2. Take the trouble to assemble and take into their offices, or attach to your physical letter, copies of the current bundle of relevant documents that you've received, demanding something of you, or confirming that something has been submitted, or accounts, bills, proof of payment, customer number, etc., and your written note of any phonecalls, and the names of the people you've dealt with, and print-outs of any mails.

Both of these steps save the time of the person who will receive your letter, and helps that person to pass the letter on to the right colleague who will be able to deal with it. They also liberate you from the circuitous tedium of the hotlines.
Thanks for taking the time, yes I shall start writing letters, shopping now for a printer lol
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  #36  
Old 29.09.2020, 13:54
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Re: Health insurance fees for moving

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spent 2 hours yesterday and 2 hours today at the branch to see if the staff can resolve the issue,
Usually they can confirm payees if you call them or if you go into the branch. They should also be able to make the transfer for you. One thing I have done is set the "limit to confirm payees" to a higher amount. The card readers are total crap. If you simply order a new one they'll charge you for it.


Get a revolut account and use it when things like this happen.





Quote:
I am sure they will be sending the new one to yet again wrong address
Well how should they know?



Quote:
previous tenant threatening to sue me as she wanted me to pay her for the time she thought I should move in, not the actual time I actually move in
You should pay from the agreed "moving in date". You got no contract?



Quote:
Then been looking into renewing my supplementary health insurance which has deadline tomorrow - end of sept-, have to rely on a 20 year old insurance broker to sort it, but I do not have faith in him ( he even threw a tantrum at me because I questioned a few things he offered WTH?? he thinks he can just send me an offer and I just have to blindly sign it)
This is unfortunately the Swiss way. I have insurance with AXA which I pay on time but I get other bills for the same insurance with additions that l never requested.



Quote:
Then HMRC in the UK making a pigs ear of everything, saying I have submitted my tax late and they fined me, even though we have confirmation I submitted the tax on time,
For personal tax you have to submit and pay before the deadline. For company tax you have to pay before you make the declaration.


Quote:
and for my old company HMRC say I owe them VAT for a period that I had confirmation I de-registered from the VAT !!
Did you file a zero return? The period would otherwise have to be one after the period in which you deregistered.



Quote:
Then I did a blood test last Dec!!!! only June I get the bills but guess what the lab sends me all bills to my London address ..
Because you gave them your London address.



Quote:
Then I get this letter from the health insurance and am wasting hours on online forms, phone calls etc, going in person as someone suggested probably means going to Winterthur and will take a day..
Do like someone else suggests and get a quote for the old address and the new address. Could simply be a higher annual premium for the new address.


Quote:
Oh and I do have a full time job, senior role managing 5 project for the bank I work at...

I can understand your frustration. I also have many things to sort out, not least loads of my money that the airlines still have.
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  #37  
Old 29.09.2020, 14:04
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Re: Health insurance fees for moving

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I spent hours with them begging them to transfer MY MONEY to pay my deposit ...
In most UBS branches there is a MultiMat where you can do payments and other banking. All you need is your regular ATM card. No begging or two-factor card reader needed.
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  #38  
Old 29.09.2020, 14:28
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Re: Health insurance fees for moving

Here is how to change your address at the Swiss Post Office, to continue receiving mail that is still sent to your old address (and possibly lost).
https://www.post.ch/en/customer-cent...pecific%20date).

However, do check that your record with them contains the variations of your name, e.g. S.A. NdyDown
Sandy D. Own
Sandra D. Own
linked in one record.

This will markedly improve the quota of letters that get correctly forwarded to your new address.

It can help to decide on one version of your name, that is also reflected on your formal documents, and use that always. Should your name be, for example: Sandra Diana Own-Smythe, then in most cases, just use Sandra Own. And then be consistent every time you supply your name to register anywhere.
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  #39  
Old 29.09.2020, 18:17
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Re: Health insurance fees for moving

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Usually they can confirm payees if you call them or if you go into the branch. They should also be able to make the transfer for you. One thing I have done is set the "limit to confirm payees" to a higher amount. The card readers are total crap. If you simply order a new one they'll charge you for it.


Get a revolut account and use it when things like this happen.





Well how should they know?




You should pay from the agreed "moving in date". You got no contract?




This is unfortunately the Swiss way. I have insurance with AXA which I pay on time but I get other bills for the same insurance with additions that l never requested.




For personal tax you have to submit and pay before the deadline. For company tax you have to pay before you make the declaration.



Did you file a zero return? The period would otherwise have to be one after the period in which you deregistered.




Because you gave them your London address.




Do like someone else suggests and get a quote for the old address and the new address. Could simply be a higher annual premium for the new address.





I can understand your frustration. I also have many things to sort out, not least loads of my money that the airlines still have.
1- I was out of the country during most of Sept, but needed to pay a new payee, no UBS branches in London, had no option but to order a new card reader, they tell me they will deliver by DHL to my address and it gets overridden to another address, they had no idea what happened in the call centre....
2- to change the limit to confirm a new payee, you need a card reader... been through that catch 22

3- I have revolut, but wanted all my rental / deposit statements to go from one bank account and have an official confirmation through UBS

4- re the post office mess, up, I went to the local post office today, there were queues out in the street, I spent about an hour looking into why they are sending letters to wrong addresses, it took a while for them to find me someone who can speak English, they found out that back in March one of the admins entered my name wrongly ( spelling) and it seems they had two accounts for me with two different addresses to forward letters to - whose fault is that?? no idea, she just said sure we can rectify this and forward all letters to my new address, just pay me the 57chf so we can correct our mistake
Oh and by the way there is a package that will be delivered to the wrong address tomorrow, it seems there is nothing they can do about it !! I just have to call the sending company and ask them to resend my internet box

5- to whoever gave advise on my company tax/vat, I had this company about 10 years, and before that another company for 7 years, so am confident I know how to submit those, the HMRC just messed up, in fact my accountant tried to go online and resubmit a nil VAT to test it, he got an error message saying the company is de-registered for VAT, so something went wrong in the system, or the right hand didn't tell the left hand some how, as I can't take the extra stress this week, I let my accountant deal with it, he will file an appeal, and I will follow up in a week or two ...I may even write a letter lol but to be honest I find HMRC on the phone quite helpful... so will see what can be done in a week or so


6- Re the health insurance, the guy said he will investigate and call me back today / tomorrow, I already wrote to them on their portal, if he doesn't call, I will write the letter, its just am trying to sort out the move this week

7- Oh please do not even mention the airline mess up, I too still have 2 cancelled trips to claim ( in fact a third one which was cancelled from City airpot, long before covid) I just never got round to claiming those yet, got emails, and I need to action something - am just dawning in admin

8- Swiss post office is the only winner here
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  #40  
Old 29.09.2020, 18:40
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Re: Health insurance fees for moving

On your point 3.
Once you've put out the worst fires and got your breath back, I recommend setting up LSV (standing order, direct debit) for recurring payments such as rental and premiums. That'll take the stress out of those and prevent any new build-up of reminders and warnungs, etc. In Switzerland, this method of payment works well.

On your point 4.
Well done. Okay. Annoying how the errors came about, but now it is done, that's one part that is going to get better.
There's a whole thread about this (and Mullhollander's Post 12 there in particular) over here: https://www.englishforum.ch/daily-li...g-letters.html

On hotlines and letters
I can understand that, having been through that, you're sceptical about the use of letters. However, now that your address is sorted out (and make super-sure that your name appears on your new letterbox, exactly as you have it registered at the Post Office), you might turn to letter-writing. As I read your posts, you seem to prefer the route of phonecalls, yet they also seem to be stealing a lot of your time and energy, especially since it is more complex because of the language gap.

In letters, you can write in English, and translate into the local Swiss language using google or deepl, or ask someone here to write the sentences you need, and assemble the document bundle, and get all of that done outside of working hours.

I certainly find this a lesser and not a greater effort to make than being sent throught frustrating circles on a hotline. Also: the answer you get (and now that your name and address are properly registered you will actually receive the letters) will be black on white, and not just what someone said on the phone. That's a much stronger position for you to be in, if/when you later need to prove anything.
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