Go Back   English Forum Switzerland > Help & tips > Family matters/health  
Reply
 
Thread Tools Display Modes
  #1  
Old 01.07.2015, 23:30
Senior Member
 
Join Date: Aug 2007
Location: zh
Posts: 384
Groaned at 18 Times in 12 Posts
Thanked 107 Times in 64 Posts
giff is considered knowledgeablegiff is considered knowledgeablegiff is considered knowledgeable
Praemienverbilligung? [health insurance subsidy/discount]

Hi all,

SVA Zurich sent me a letter saying that the Gemeinde informed them that I should get a discount on the health insurance premium. Thing is, looking at the tables, I earn quite a bit more than the 43k chf limit for requesting such discount...

Anyone had a similar experience?

Thanks
Reply With Quote
  #2  
Old 02.07.2015, 09:27
Sbrinz's Avatar
RIP
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 12,055
Groaned at 563 Times in 354 Posts
Thanked 11,548 Times in 5,941 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Praemienverbilligung?

The amount is based on your taxable income, not your gross income. Don't claim if you earn too much. Does that help?
Reply With Quote
The following 2 users would like to thank Sbrinz for this useful post:
  #3  
Old 02.07.2015, 09:39
Senior Member
 
Join Date: Aug 2007
Location: zh
Posts: 384
Groaned at 18 Times in 12 Posts
Thanked 107 Times in 64 Posts
giff is considered knowledgeablegiff is considered knowledgeablegiff is considered knowledgeable
Re: Praemienverbilligung?

Quote:
View Post
The amount is based on your taxable income, not your gross income. Don't claim if you earn too much. Does that help?
Also my taxable income, AFAIK, is higher than the threshold they mention.
Reply With Quote
  #4  
Old 02.07.2015, 09:44
Banned
 
Join Date: Jul 2015
Location: Aargau
Posts: 846
Groaned at 322 Times in 159 Posts
Thanked 324 Times in 229 Posts
plumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthy
Re: Praemienverbilligung?

Was the letter personally addressed to you?

Sometimes the canton or Gemeinde sends out an unaddressed explanatory leaflet to every household detailing which situations are eligible for the Prämienverbilligung and reminding people of the deadline by which to apply since late applications are not accepted.

If it was a letter just for you, maybe they are basing their calculations on salaries earned/income declared from up to 4 years ago.
Reply With Quote
The following 2 users would like to thank plumtree for this useful post:
  #5  
Old 02.07.2015, 09:57
Senior Member
 
Join Date: Aug 2007
Location: zh
Posts: 384
Groaned at 18 Times in 12 Posts
Thanked 107 Times in 64 Posts
giff is considered knowledgeablegiff is considered knowledgeablegiff is considered knowledgeable
Re: Praemienverbilligung?

Yes, it is addressed to me personally and it says that they calculated from my quellensteuerbeitrage that I should get a 523 chf discount. The letter just asks me to control the information, sign, and send it back...

I have been having the same salary since I moved back to Switzerland 2.5 years ago.

Maybe I should just sign it and send it back and get the discount? What would you do?
Reply With Quote
  #6  
Old 02.07.2015, 10:00
Banned
 
Join Date: Jul 2015
Location: Aargau
Posts: 846
Groaned at 322 Times in 159 Posts
Thanked 324 Times in 229 Posts
plumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthyplumtree is considered unworthy
Re: Praemienverbilligung?

Quote:
View Post
Yes, it is addressed to me personally and it says that they calculated from my quellensteuerbeitrage that I should get a 523 chf discount. The letter just asks me to control the information, sign, and send it back...

I have been having the same salary since I moved back to Switzerland 2.5 years ago.

Maybe I should just sign it and send it back and get the discount? What would you do?
I would apply for the reduction, if that is what is offered. It is only an application and you are signing for information that is correct to your knowledge. The worst thing that can happen is that the application for a reduction for the year in question is declined.
Reply With Quote
The following 2 users would like to thank plumtree for this useful post:
  #7  
Old 02.07.2015, 14:19
glowjupiter
 
Posts: n/a
Re: Praemienverbilligung?

Quote:
View Post
Yes, it is addressed to me personally and it says that they calculated from my quellensteuerbeitrage that I should get a 523 chf discount. The letter just asks me to control the information, sign, and send it back...

I have been having the same salary since I moved back to Switzerland 2.5 years ago.

Maybe I should just sign it and send it back and get the discount? What would you do?
The taxes they used to calculate your benefit are from previous years, no? They probably based the benefit on a lower amount than you estimated. Why not check the info on the papers, see if they are correct, and if so, call SVA and ask them to clarify what exactly they based the benefit on (despite the paper stating it is your Quellensteuer, have SVA explain things to you in more detail)?
When you're clear about the basis of your benefit, you can then sign and send if the info on the paper is correct.

Quote:
View Post
Hi all,

SVA Zurich sent me a letter saying that the Gemeinde informed them that I should get a discount on the health insurance premium. Thing is, looking at the tables, I earn quite a bit more than the 43k chf limit for requesting such discount...

Anyone had a similar experience?

Thanks
It looks like they took your definitive tax data which they had on April 1, and think you will be living here on Jan 1 of next year. In which case the maximum amount for a single person to be eligible is a taxable income of 42'900.- and assets worth 150'000.-, and Quellensteuer of max. 3'757.- (see last line of the document).

Perhaps one of your values (income or assets or Quellensteuer) is lower than or equal to the amounts stated on the PDF and thus you might be entitled to benefits.

So, gather your tax documents and call them up. Good luck

Last edited by glowjupiter; 02.07.2015 at 14:30.
Reply With Quote
This user would like to thank for this useful post:
  #8  
Old 02.07.2015, 09:45
Sbrinz's Avatar
RIP
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 12,055
Groaned at 563 Times in 354 Posts
Thanked 11,548 Times in 5,941 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Praemienverbilligung?

Maybe it is easier to send everyone the paper work, than to to scour the tax records? Usually the investigated salary is for the period 2 years ago.
Reply With Quote
This user would like to thank Sbrinz for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Health insurance subsidy if you earn too little? Rangatiranui Insurance 6 12.03.2014 15:40
Student Health Insurance Subsidy Ends After Six Years Rant Kamranz Insurance 24 25.06.2012 11:24
Health Insurance - Praemienverbilligung telandy Insurance 2 06.03.2012 18:46
health insurance subsidy for L permit? HRA Insurance 0 13.05.2011 23:03
Students entitled to apply for Health Insurance Subsidy CitizenDuMonde Insurance 5 03.07.2010 22:09


All times are GMT +2. The time now is 23:42.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0