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Old 27.09.2020, 23:09
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Health insurance fees for moving

Is it normal for the health insurance to wallop customers with a bill of over 450 chf just for moving address within the same city?? I am quite angry about it .. I could swallow they want to charge admin fees for someone to type in my new address, but are they paying that person 450chf a minute?? if its the new underwriting, then health risks for moving from one street to another within the same city and area does should not increase so significantly, its not like suddenly am going get ill just because I moved 3 streets down the road?? I do not understand it... anyone here works in insurance that can explain it to me?

I mean I understand perhaps car, or home insurance has higher risks than others, and if one parks their car or lives in a safer area then they pay less and if they move to a risky area ( risk of burglary etc) they they pay more.... but health insurance ??
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Old 27.09.2020, 23:15
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Re: Health insurance fees for moving

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Is it normal for the health insurance to wallop customers with a bill of over 450 chf just for moving address within the same city?? I am quite angry about it .. I could swallow they want to charge admin fees for someone to type in my new address, but are they paying that person 450chf a minute?? if its the new underwriting, then health risks for moving from one street to another within the same city and area does should not increase so significantly, its not like suddenly am going get ill just because I moved 3 streets down the road?? I do not understand it... anyone here works in insurance that can explain it to me?

I mean I understand perhaps car, or home insurance has higher risks than others, and if one parks their car or lives in a safer area then they pay less and if they move to a risky area ( risk of burglary etc) they they pay more.... but health insurance ??
Have you talked to your insurer? Premiums are set by post code, although an increase of chf 450 sounds extreme. Is it prorated over a period of time, possibly it is an error - they happen. I’d check with your insurer first, and find out if your zone has changed to a higher usage area with your move.
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Old 27.09.2020, 23:21
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Re: Health insurance fees for moving

I called them a couple of months ago and someone said because I changed addresses, so I sent them a complaint in writing, but no reply, just got a threatening letter now for legal proceedings ... the problem is I am also moving again as this apartment I was staying in is temporary... so I may be walloped for another 450chf ...
thanks for confirming this is extreme, I already wrote a second complaint via email ( they do answer all my emails normally apart from the previous complaint) but will also call them
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Old 27.09.2020, 23:25
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Re: Health insurance fees for moving

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I called them a couple of months ago and someone said because I changed addresses, so I sent them a complaint in writing, but no reply, just got a threatening letter now for legal proceedings ... the problem is I am also moving again as this apartment I was staying in is temporary... so I may be walloped for another 450chf ...
thanks for confirming this is extreme, I already wrote a second complaint via email ( they do answer all my emails normally apart from the previous complaint) but will also call them
So is the 450 all added up over the time since your move? We moved once 8 years ago and our premium changed but I don’t recall an administrative fee. I’d definitely follow up on phone. Also, if you write, registered letters are good advice.
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Old 28.09.2020, 01:12
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Re: Health insurance fees for moving

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... will also call them
If you call them, and if it seems to be sorted out on the phone, don't let it rest at that. Note the name of the person who speaks to you, if need be even ask them how to spell their name. Then, after the call, put your understanding of the matter in writing, including quoting what the person said on the phone, and send that to them by post.

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Also, if you write, registered letters are good advice.
This. Do not use email. Use a letter on paper in an envelope, registered at the Post Office counter.

And your letter should just state the facts (neutrally and without your anger showing) as you see them, including a list of the sequence of events:
  • the dates from when to when you were insured at what premium,
  • the date you moved from where to where,
  • when there was an increase (attach a copy of their document/bill/letter to you so they can see which increase you mean), and then....
  • not a complaint but a request that they please check whether this might be an error, as the increase seems surprisingly high, and
  • if there is a reason for the increase, ask for an explanation, please, including an extract of the relevant rules through which this increase applies.
If you have always paid everything punctually, state that.
If you are now behind in payments, list (for yourself, so you're clear on what the numbers are, perhaps not in the letter) the date up until which all your payments were up-to-date, and the dates and amounts in which
  • you are now in arrears (if the increase is legitimate)
  • they should refund you (if the increase turns out to be just an administrative error).

I strongly urge you not to use any vocabulary that is a complaint, accusation or reprimand. Just set out the facts as you have them, and ask for an explanation, and the rules. This is, in my experience, more likely to elicit an informative answer.

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...just got a threatening letter now for legal proceedings ...
If their bills show that - at least from their perspective, of this increase - you are behind in your payments, please, Do Not Delay. You do not want them to put you into the debt collection status (in German "Betreibung") because it is a tedious administrative road, which will very likely end up costing you even more money. Whether or not you feel that you really owe them this money, at least while you are corresponding with them to try to sort it out, it might be wise to pay in at least a part of the sum they are demanding, to stop the wheels turning against you.

I hope you can get it sorted out.
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Old 28.09.2020, 03:23
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Re: Health insurance fees for moving

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I called them a couple of months ago and someone said because I changed addresses, so I sent them a complaint in writing, but no reply, just got a threatening letter now for legal proceedings ... the problem is I am also moving again as this apartment I was staying in is temporary... so I may be walloped for another 450chf ...
thanks for confirming this is extreme, I already wrote a second complaint via email ( they do answer all my emails normally apart from the previous complaint) but will also call them
And what did the actual invoice say?
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Old 28.09.2020, 08:13
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Re: Health insurance fees for moving

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If you call them, and if it seems to be sorted out on the phone, don't let it rest at that. Note the name of the person who speaks to you, if need be even ask them how to spell their name. Then, after the call, put your understanding of the matter in writing, including quoting what the person said on the phone, and send that to them by post.


This. Do not use email. Use a letter on paper in an envelope, registered at the Post Office counter.

And your letter should just state the facts (neutrally and without your anger showing) as you see them, including a list of the sequence of events:
  • the dates from when to when you were insured at what premium,
  • the date you moved from where to where,
  • when there was an increase (attach a copy of their document/bill/letter to you so they can see which increase you mean), and then....
  • not a complaint but a request that they please check whether this might be an error, as the increase seems surprisingly high, and
  • if there is a reason for the increase, ask for an explanation, please, including an extract of the relevant rules through which this increase applies.
If you have always paid everything punctually, state that.
If you are now behind in payments, list (for yourself, so you're clear on what the numbers are, perhaps not in the letter) the date up until which all your payments were up-to-date, and the dates and amounts in which
  • you are now in arrears (if the increase is legitimate)
  • they should refund you (if the increase turns out to be just an administrative error).

I strongly urge you not to use any vocabulary that is a complaint, accusation or reprimand. Just set out the facts as you have them, and ask for an explanation, and the rules. This is, in my experience, more likely to elicit an informative answer.


If their bills show that - at least from their perspective, of this increase - you are behind in your payments, please, Do Not Delay. You do not want them to put you into the debt collection status (in German "Betreibung") because it is a tedious administrative road, which will very likely end up costing you even more money. Whether or not you feel that you really owe them this money, at least while you are corresponding with them to try to sort it out, it might be wise to pay in at least a part of the sum they are demanding, to stop the wheels turning against you.

I hope you can get it sorted out.
Many many thanks for taking the time to write this advice, unfortunately I was angry last night when I saw the threatening letter and did the opposite by sending a complaint and saying I am very disappointed... will try to speak to them today, and check the facts, plus check all my bank payments and send them a letter as you suggested.
I paid my whole premium annually and I just scanned their invoice, at the start of the contract, so as far as I thought all was paid

But honestly who has the time to keep writing letters and queuing at the post office to register a letter... very painful in this digital age.

Thanks again
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Old 28.09.2020, 08:16
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Re: Health insurance fees for moving

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And what did the actual invoice say?

Thanks for replying. The letter doesn't say anything, just a threat they will take legal proceedings, and attached a statement invoice with pink payment sheet
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Old 28.09.2020, 08:37
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Re: Health insurance fees for moving

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Thanks for replying. The letter doesn't say anything, just a threat they will take legal proceedings, and attached a statement invoice with pink payment sheet
What did the original invoice say with the bill for 450chf?
They must have given a reason for the invoice.
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Old 28.09.2020, 08:43
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Re: Health insurance fees for moving

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What did the original invoice say with the bill for 450chf?
They must have given a reason for the invoice.
It said Change of address, so I was shocked it was so high just for me changing address within the same area...

Also I don't get it, why is health insurance tied to a post code??
As I said I understand other insurance tied to post code, like car / home etc depending on the crime/ burglary data, but my health is not suddenly going to be riskier if I move to a different street? Unless one is moving to a war zone, or somewhere where they may get mugged etc?
Or are the Doctors/ hospital more expensive from one area to another?
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Old 28.09.2020, 08:53
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Re: Health insurance fees for moving

I’ve never heard of Health insurance being set by street. I thought the premiums were set by which canton you live in. I have never had a charge for changing addresses.

If the charge is purely for a change of address within the same canton... and not a premium bill, I’d ring them up and tell them you’ll be changing insurers for next year!
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Old 28.09.2020, 08:58
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Re: Health insurance fees for moving

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It said Change of address, so I was shocked it was so high just for me changing address within the same area...

Also I don't get it, why is health insurance tied to a post code??
As I said I understand other insurance tied to post code, like car / home etc depending on the crime/ burglary data, but my health is not suddenly going to be riskier if I move to a different street? Unless one is moving to a war zone, or somewhere where they may get mugged etc?
Or are the Doctors/ hospital more expensive from one area to another?
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.
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Old 28.09.2020, 09:00
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Re: Health insurance fees for moving

Premiums can be dependent on the postal code change.



More info here: https://www.bag.admin.ch/bag/de/home...nregionen.html
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Old 28.09.2020, 09:01
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Re: Health insurance fees for moving

A postal code is a lot more than a single street. Only the larger towns have more than one.
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Old 28.09.2020, 09:22
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Re: Health insurance fees for moving

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A postal code is a lot more than a single street. Only the larger towns have more than one.
But you can still move a single street and end up in a different post code.
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Old 28.09.2020, 10:24
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Re: Health insurance fees for moving

Like others seem to feel, I doubt very much that this is a charge for the process of changing address in itself. Yes, I can see that if you pay your premiums annually then a change of postcode could easily make a difference of chf450 over the whole year, and I think it's almost certainly just this difference that you're being asked to pay.

The reason for the charge could still be listed as 'change of address', but the simple way to resolve it is to look at your statements and see what the monthly premium is now and what it was beforehand.
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Old 28.09.2020, 12:17
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Re: Health insurance fees for moving

Information regarding premium regions.
https://www.bag.admin.ch/bag/en/home...nregionen.html
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Old 28.09.2020, 14:34
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Re: Health insurance fees for moving

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I called them a couple of months ago and someone said because I changed addresses, so I sent them a complaint in writing, but no reply, just got a threatening letter now for legal proceedings ... the problem is I am also moving again as this apartment I was staying in is temporary... so I may be walloped for another 450chf ...
thanks for confirming this is extreme, I already wrote a second complaint via email ( they do answer all my emails normally apart from the previous complaint) but will also call them
Until you've posted anonymised scans of both the original bill, the reminder, and the registered letter, along with info at what point your address had changed, I bet this is your fault entirely. 450 sounds very much like a missed monthly payment plus charges and fees.
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Old 28.09.2020, 15:31
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Re: Health insurance fees for moving

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Until you've posted anonymised scans of both the original bill, the reminder, and the registered letter, along with info at what point your address had changed, I bet this is your fault entirely. 450 sounds very much like a missed monthly payment plus charges and fees.
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.
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Old 28.09.2020, 16:35
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Re: Health insurance fees for moving

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Have you talked to your insurer? Premiums are set by post code,
No, this information is wrong. Premium region are set by communes borders.

Other post code but still the same commune means you will remain in the same premium region. Example: Any larger city such as Lausanne, Zurich etc.

Same post code but different commune means you might be in an other premium region.
A more obvious example is 8044 Gockhausen and 8044 Zürich were the name after the post code is different. Stranger is the case of the part of Lausanne which is in the east of Cugy VD. Th post code and address 1530 Cugy VD, but it truly belongs to Lausanne proper and is part of the premium Region VD-1 as the rest of Lausanne and not VD-2 like Cugy proper. Another such Odditiy is the Altersheim Im Ries /Adliswil, which has the Address 8041 Zürich but belongs to Adliswil, also regarding health insurance premium.



Lausanne Proper: https://map.geo.admin.ch/?ch.swissto...ity=true,false

"1530 Cugy VD": https://map.geo.admin.ch/?time=None&...ity=false,true

Premium Regions: https://www.bag.admin.ch/bag/de/home...nregionen.html
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Last edited by aSwissInTheUS; 28.09.2020 at 16:48.
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