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  #61  
Old 01.10.2020, 16:19
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Re: Health insurance fees for moving

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I did post this, I said I got a billed for moving home, and all / most of you said this is not usual to be charged 450 chf for moving
You did not get charged for moving. Your premium changed due to moving to a higher premium cost location. Had you moved within the same premium cost area there would be no charge.
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Old 01.10.2020, 16:22
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Re: Health insurance fees for moving

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I did post this, I said I got a billed for moving home, and all / most of you said this is not usual to be charged 450 chf for moving
You haven’t been charged for moving home, you’ve been charged for the difference in premiums between the old and new address. That’s what the email says and if you’d posted that initially it would have been clear.
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Old 01.10.2020, 16:40
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Re: Health insurance fees for moving

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You haven’t been charged for moving home, you’ve been charged for the difference in premiums between the old and new address. That’s what the email says and if you’d posted that initially it would have been clear.



I think he didn't have that particular e-mail when he first posted. Anyway, seems to be a lost in translation thing. Quite common on this forum.



OP you'll probably (hopefully) get a refund when you move again.
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Old 01.10.2020, 16:56
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Re: Health insurance fees for moving

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The only possible explanation is that what you thought is Zurich Oerlikon was actually more like Glattbrugg or Glattpark which belongs to Opfikon?
Or what OP thought it is the other side of Oerlikon was actually Unterstrass (hence the higher premium location).

Can someone be so clueless though?
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  #65  
Old 01.10.2020, 16:58
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Re: Health insurance fees for moving

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Your premium changed due to moving to a higher premium cost location. Had you moved within the same premium cost area there would be no charge.
But they said they moved within the City of Zurich. Same commune, same premium area. No bill should be due

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Yyou’ve been charged for the difference in premiums between the old and new address. That’s what the email says and if you’d posted that initially it would have been clear.
Still not clear what is happening, as they claim they moved within the same commune. Same commune means same premium.

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I did post this, I said I got a billed for moving home, and all / most of you said this is not usual to be charged 450 chf for moving
Still not usual that you are charged a premium increase when you move within the same commune. So the heck, where did you actually move from? Was your previous place really in Zurich Oerlikon or in a neighboring commune like Opfikon, Wallisellen, Kloten, Rümlang etc?
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Old 01.10.2020, 20:04
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Re: Health insurance fees for moving

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But they said they moved within the City of Zurich. Same commune, same premium area. No bill should be due



Still not clear what is happening, as they claim they moved within the same commune. Same commune means same premium.



Still not usual that you are charged a premium increase when you move within the same commune. So the heck, where did you actually move from? Was your previous place really in Zurich Oerlikon or in a neighboring commune like Opfikon, Wallisellen, Kloten, Rümlang etc?
She obviously wasn’t moving within the same premium region, that is patently obvious.

She could have just put the two adresses into comparis to check if the premiums were different or the same but she didn’t.
Anyway she’s been banned now so it is all moot.
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Old 01.10.2020, 22:25
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Re: Health insurance fees for moving

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She could have just put the two adresses into comparis to check if the premiums were different or the same but she didn’t.
OP could have put the two addresses into comparis if she had known about comparis, and if it had even occurred to her that premiums could be different for different addresses. I can completely understand that, as a relative newby, she might not have known either. I'd certainly been living in Switzerland for quite some time before I knew of any such thing.

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Anyway she’s been banned now so it is all moot.
It seems to me that OP is in a whole storm of administrative problems, and I wouldn't like to have to face all those things at once. I hope she as not been banned merely because she keeps asking again and again about a system she doesn't understand. She's wrong, of course, that this is a "moving fee", but she couldn't know that, at first.

Not everyone who is confused and overwhelmed is a troll.

@SandyDown,
In case you're still reading this:
  • One way to find one's way out of the maze of administrative horrors is to work on them systematically. Keep records meticulously. Keep plugging away writing each next letter. Always note the dates and times and names of the people you're dealing with, and refer to that info each next time.
  • Bit by bit I got my head around just accepting the fact that "here" doesn't work like "back there" did. And after a while, I began to understand that there is a logic to how things work "here": it just looked odd and weird because it was different from what I was expecting, and after all, I could only start from what I knew.
  • Read, read, read, to inform yourself. Don't assume it is (or even ought to be) like "there", but ask, ask, ask how it works "here."
  • Something else that helped me immensely was to set aside an amount, at the start, for errors, mistakes, bad judgments, misunderstandings and poor decisions I took based on not having grasped how things work here. Bought the wrong tram ticket and get fined? Misunderstand the parking signs? Confuse two insurance products and pay for the wrong one? Misunderstand a booking fee? And so on. Once I had that little "error fund", I fount it mentally, emotionally, easier to write off the amounts, and chalk them up to learning. And I did learn as fast as I could.

I hope you can get things sorted out. It does get better. It does.

Last edited by doropfiz; 01.10.2020 at 22:59.
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  #68  
Old 02.10.2020, 01:03
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Re: Health insurance fees for moving

Banned, really? Wow. She was clearly irate about having to pay extra whether it was a processing fee or not. I can understand that one might not be accustomed to the idea that people a few km away would have to pay more. Seems her level of comprehension is lower than the usual fairly low level of comprehension in this forum and that possibly explains the other issues too.
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  #69  
Old 02.10.2020, 07:03
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Re: Health insurance fees for moving

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OP could have put the two addresses into comparis if she had known about comparis, and if it had even occurred to her that premiums could be different for different addresses. I can completely understand that, as a relative newby, she might not have known either. I'd certainly been living in Switzerland for quite some time before I knew of any such thing.


It seems to me that OP is in a whole storm of administrative problems, and I wouldn't like to have to face all those things at once. I hope she as not been banned merely because she keeps asking again and again about a system she doesn't understand. She's wrong, of course, that this is a "moving fee", but she couldn't know that, at first.

Not everyone who is confused and overwhelmed is a troll.
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That was it? It just said change of address? It didn’t give a breakdown of the difference in premiums or anything?

I have never been charged just for changing address.

The difference in premiums in different areas is related to a number of things. Access to doctors and hospitals etc pay a big part.
Premiums for someone in the city with easy access to a wide variety of doctors and specialist will be different than for somebody out in the boonies where options are limited.

Have a look on comparis and play with the numbers for different areas, you’ll be surprised by the differences.
I had told her to put the two addresses into comparison and crunch in the numbers in this post on Monday. If she had done that she would have known for certain whether there was a change in premium associated with the new address and could have saved herself a whole lot of stress and long phone calls trying to find out what it was all about.
Everything can be incredibly overwhelming and complicated here and I understand her but she seemed so fixated on the fact that it was a fee for moving and ignored what everyone was saying about premium increases.

I don’t think she was a troll, just somebody who has a hard time understanding how things work here and couldn’t grasp what everyone was telling her.
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Old 02.10.2020, 08:08
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Re: Health insurance fees for moving

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I don’t think she was a troll, just somebody who has a hard time understanding how things work here and couldn’t grasp what everyone was telling her.
I agree, my father would have described her as excitable
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  #71  
Old 02.10.2020, 10:11
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Re: Health insurance fees for moving

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I had told her to put the two addresses into comparison and crunch in the numbers in this post on Monday. If she had done that she would have known for certain whether there was a change in premium associated with the new address and could have saved herself a whole lot of stress and long phone calls trying to find out what it was all about.
If they think they lived in Oerikon and also moved to Oerlikon they would obviously enter Oerlikon in a such a tool, and non surprisingly get the information that there is no change in premium as Oerlikon is part of Zurich and Oerlikon is part of Zurich as well, and all parts of the same commune have the same premium level. Also Comparis wont ask you about the street address. Neither does the official government website priminfo.ch

In addition the Oerlikon 8050-Zürich Zip code area is "clean" in the sense of that all parts belong to the City of Zurich only. (Unlike Schwamendingen 8051 Zürich and Seebach 8052 Zürich which have each a few have houses which belong to Dübendorf or Rümlang respectively).
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Old 02.10.2020, 10:16
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Re: Health insurance fees for moving

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If they think they lived in Oerikon and also moved to Oerlikon they would obviously enter Oerlikon in a such a tool, and non surprisingly get the information that there is no change in premium as Oerlikon is part of Zurich and Oerlikon is part of Zurich as well, and all parts of the same commune have the same premium level. Also Comparis wont ask you about the street address. Neither does the official government website priminfo.ch

In addition the Oerlikon 8050-Zürich Zip code area is "clean" in the sense of that all parts belong to the City of Zurich only. (Unlike Schwamendingen 8051 Zürich and Seebach 8052 Zürich which have each a few have houses which belong to Dübendorf or Rümlang respectively).
Comparis asks for the postcode so if she had two different postcodes she would have easily been able to see whether the premiums were different or not.
It would have taken a couple of minutes to verify.
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Old 02.10.2020, 12:37
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Re: Health insurance fees for moving

I would have hoped for a higher level of tolerance
We all deal with the stress of arriving in a new country differently.

I certanley remember my beginings here, not speaking the local language. It was not easy despite having a relocation agent who did everything short of wiping my tush...
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Old 02.10.2020, 12:55
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Re: Health insurance fees for moving

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Comparis asks for the postcode so if she had two different postcodes she would have easily been able to see whether the premiums were different or not.
It would have taken a couple of minutes to verify.
Oerlikon, where people actually live, has only one post code. 8050. And all of the 8050 region belongs to Zurich And even if Oerlikon had two different post code it would still be the same commune and thus the same premium region.
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Old 02.10.2020, 13:02
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Re: Health insurance fees for moving

She got banned because he/she is nothing but a troll making up stories. Considering the company was mentioned by name with some obviously false accusations, I would think the mods have some clean-up work to do. I really wonder what kind of person has nothing better to do than waste the time of all the helpful people who commented here.
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Old 02.10.2020, 13:05
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Re: Health insurance fees for moving

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Oerlikon, where people actually live, has only one post code. 8050. And all of the 8050 region belongs to Zurich And even if Oerlikon had two different post code it would still be the same commune and thus the same premium region.
You are assuming that she did actually move within Oerlikon and not slightly over into a different region. If she had the same postcode then obviously there would be no change in premium but only she knows what the two were.
As I said it would have been pretty easy to check out if they were different and she could have potentially saved herself a lot of hassle by doing so.
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Old 02.10.2020, 13:28
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Re: Health insurance fees for moving

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I really wonder what kind of person has nothing better to do than waste the time of all the helpful people who commented here.

Not so far from the kind of person who sits in front of the computer all day long waiting for a thread to jump on. But I don't think they were a troll.
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Old 02.10.2020, 13:40
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Re: Health insurance fees for moving

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Not so far from the kind of person who sits in front of the computer all day long waiting for a thread to jump on. But I don't think they were a troll.
I don’t think she was a troll either, just alone and confused.
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Old 02.10.2020, 14:24
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Re: Health insurance fees for moving

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She got banned because he/she is nothing but a troll making up stories. Considering the company was mentioned by name with some obviously false accusations, I would think the mods have some clean-up work to do. I really wonder what kind of person has nothing better to do than waste the time of all the helpful people who commented here.
Sanitas doesn't have the best customer care in my experience. However, it seems she didn't understand why she was charged more and either it was their fault as in they failed to explain clearly, or it was her fault as in she couldn't understand their explanation.

Many companies have been mentioned here for the very same issues. See the thread about Wincasa for instance (not insurance company but still) with which I personally never had any problems. If you have never experienced this sort of problems, it doesn't mean they don't exist.

Sorry, but no company is above criticism. I don't think she/he should have been banned.
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Old 02.10.2020, 14:58
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Re: Health insurance fees for moving

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You are assuming that she did actually move within Oerlikon and not slightly over into a different region
She not only said she had moved within Oerlikon but als she also said had moved within the same commune/city. Both statement indicate that they did not change the premium region when they moved.

Doesn't mater if she moved from Seebach to Oerlikon or Schwamendingen to Oerlikon or vice versa. Still the same premium region as it is the same commune even if the postcode is different.

And I blindly assume that someone would be aware that they actually (de)registered in Opfikon or Rümlang instead of doing the formalities all at one place: the local City of Zürich Kreisbüro 11+12 which serves Oerlikon, Schwamendingen, and Seebach or at the Zürich Stadthaus next to the Limmat. And even if you do it online the websites are also different:

Moving within the City of Zurich, exclusively: https://www.stadt-zuerich.ch/eumzug
Otherwise: https://www.eumzug.swiss/eumzug/#/canton/zh

If someone lives at 8152 Glattpark, which belongs to the Commune of Opfikon, then they must register at the Stadthaus of the City of Opfikon. They can not register at the Kreisbüro 11+12 or the Stadthaus of the City of Zurich. And obviously, Glattpark does not belong to the City of Zurich as the post code does not start with 80xy, and all of the bus stops inside the Glattpark belong to ZVV zone 121 instead zone 110, and on the map it says Glattpark (Opfikon) as it does says so on the city limit signs next to the road, and the people in Opfikon use black garbage bags with purple letters, instead the white ones with blue letters as in the City of Zurich.

Still: there is the slight possibility that they lived in the Glattpark Opfikon. But that takes a special kind of stupid to think that this is part of Oerlikon or the City of Zurich and even more so when you actually move away from Opfikon actually into the City of Zurich.

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If she had the same postcode then obviously there would be no change in premium but only she knows what the two were.
That is obviously wrong. Same postcode does not per se mean the same premium region. And different post code does niether mean different premium region. Only same commune means same premium region and the same commune means always the same premium region even if the post code is different. The actual border of the commune is important and not the post code.

Once again:
- All parts of a commune are in the very same premium region. Regardless of postcode. No exception. (link provided previously).
- A postcode can cover more than one commune, and thus more than one premium region. (link provided previously).

But in the case of Postcode/Address "8050 Zürich" which is considered as Oerlikon all of its parts are in the same premium region as all off 8050 belongs to Zurich. But as said, the fact that they moved within the same commune is good enough to determine that they premium region stays the same.
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