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Old 19.09.2017, 19:43
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City office signed me up for mandatory health insurance and now I have two insurances

Hi everyone,

So I knew I had to get health insurance, but since I was moving to a new canton (SO) I figured I would just wait and get it there, which I did. About a week after I moved, I received a letter from my old canton (ZH) saying I hadn't signed up for mandatory health insurance and as such they would sign me up with Groupe Mutuel and I sent both the city and mutuel an email explaining that I no longer lived in Zurich and had taken out mandatory health insurance. And today in the post I had two letters from Mutuel, one saying that they figured out I had moved canton and another will 3 bills 400 something each) to pay monthly until the end of the year.

The problem is that I had already signed up with Swica at Solothurn... Has anyone ever been in this situation? Do I take this out with Zurich city or Groupe Mutuel or both?

I did not sign up for this GMutuel and now I'm faced with 750 chf a month in medical insurance fees (400+ from GMutuel and 300+ Swica), keep in mind ZH only informed me of this sign-up after I had already signed out of the city.

Any experience/advice? If I can not cancel GMutuel immediately, how long do I have to pay until I can cancel?

I have tried sending them emails to no avail, I will try to call tomorrow and hope someone speaks English...
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Old 19.09.2017, 19:46
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Re: City office signed me up for mandatory health insurance and now I have two insura

You should have gotten letter stating that if you do not sign up before a specific date they will sign up. Did you stay within this date?
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Old 19.09.2017, 19:55
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Re: City office signed me up for mandatory health insurance and now I have two insura

I moved to a new canton before the deadline in the letters, that's why I thought it wouldn't be an issue and I could just get it sorted with the new address and payment system, wrong
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Old 19.09.2017, 21:05
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Re: City office signed me up for mandatory health insurance and now I have two insura

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I moved to a new canton before the deadline in the letters, that's why I thought it wouldn't be an issue and I could just get it sorted with the new address and payment system, wrong
So you did not get an insurance, nor did you provide you had one before that date expired.

If you can cancel one of them (Don't expect mutual to cooperate on this) I would not know how to act on this.
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Old 19.09.2017, 21:24
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Re: City office signed me up for mandatory health insurance and now I have two insura

Don't pay, what's the problem? It's not like they can just take the money out of your bank account whenever. You did what was required of you by law, the rest is city's and mutuel's problem.
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Old 19.09.2017, 22:37
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Re: City office signed me up for mandatory health insurance and now I have two insura

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Don't pay, what's the problem? It's not like they can just take the money out of your bank account whenever. You did what was required of you by law, the rest is city's and mutuel's problem.
If OP did not get an insurance in time, city is in full right according to the law to sign him up, if he after that period decides to get another insurance that is up to him.

Simply saying, don't pay and it all will be fine might be a very expensive advice.
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Old 19.09.2017, 23:34
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Re: City office signed me up for mandatory health insurance and now I have two insura

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...very expensive advice.
Very. I've seen that happen to three other people so far. In each case, the person solved it finally by taking all the papers down to each medical insurance office, personally. No amount of letters, phonecalls or mails got the job done.

I was amazed at what they were asked to produce, so it's just as well they took the whole bundle. Take:
  • your formal ID / passport
  • your permit to be in Switzerland
  • your work contract
  • the letter from the old municipality warning you that you have to buy insurance
  • the letter from them that, since you neglected to do so, they have now done so on your behalf
  • you original registration in the first municipality
  • your rental contract in the first municipality
  • the notice given on that rental contract
  • your de-registration from the first municipality
  • your new registration in the new municipality
  • your new rental contract,
  • bank Statements reflecting when you paid which premiums to whom,
    and of course
  • every letter from both medical insurance companies.

Many newcomers to Switzerland don't understand that getting medical insurance is compulsory, and that the obligation starts when you register at the municipality. Therefore, even though the municipality arranged the insurance for you much later, you are still required to pay retrospectively, back till the date on which you started to live here. You cannot save those premiums by simply buying the medical insurance starting later.

You may find that - worst case - you will have to pay both insurances for a while. The second one because you, yourself, bought it. And the first one because you did not buy that cover immediately upon arrival, as you were supposed to do, nor did you inform your old municipality what you planned to do about getting your medical insurance cover.

If you are lucky, one or the other insurance might be willing to let you off the hook earlier than the full notice period. Try to find this out in a direct, very polite conversation, so that you can give notice on the one which seems less likely to show you this generosity.

From the experience of the other three people I know, I'd say you are more likely to succeed in such a conversation if you do it in person, rather than by phone and mail, if you have all the abovementioned documents ready, with you, and if you remain calm throughout the conversation. Other brave souls have achieved this.

Definitely give notice, in writing, on one of the two. Do this either in a registered letter (handed in at the Post Office, plus pay a surcharge of Fr. 8, and keep the receipt slip stapled to a copy of the letter you sent) or, since you will probably need to go to the office, you could ask them to sign and stamp your duplicate, as proof that they have received your letter of notice. Either way, file this copy (proof that you formally gave notice) away safely, as if it were worth gold.

Once you have figured out which insurance to give notice on, and done so, then write a letter to both insurances at the same time, stating that you were insured from DATE to DATE with insurance Company A, and have given notice so that the last month's premium is DATE, and that from DATE you have been insured with Company B, and from DATE with Company B only.
Ditto: file this away.

Last edited by doropfiz; 19.09.2017 at 23:38. Reason: clarity
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Old 20.09.2017, 08:18
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Re: City office signed me up for mandatory health insurance and now I have two insura

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Definitely give notice, in writing, on one of the two. Do this either in a registered letter (handed in at the Post Office, plus pay a surcharge of Fr. 8, and keep the receipt slip stapled to a copy of the letter you sent) or, since you will probably need to go to the office, you could ask them to sign and stamp your duplicate, as proof that they have received your letter of notice. Either way, file this copy (proof that you formally gave notice) away safely, as if it were worth gold.

Once you have figured out which insurance to give notice on, and done so, then write a letter to both insurances at the same time, stating that you were insured from DATE to DATE with insurance Company A, and have given notice so that the last month's premium is DATE, and that from DATE you have been insured with Company B, and from DATE with Company B only.
Ditto: file this away.
That, but to limit the potential damage cancel both. Do it now, today, as mentioned send both by registered mail (I would also ask for confirmation of receipt and cancel date by the insurance) because the default cancel period ends September 30th. That way the most you have to pay double is for this year.

If you decide to stay with Swica for 2018 that's a complete non-issue, you have until the end of December to decide on the insurance for 2018 (though you shouldn't wait until the last moment).
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Old 20.09.2017, 08:23
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Re: City office signed me up for mandatory health insurance and now I have two insura

You are aware that you have to pay the bills for the previous months as well?

Tom
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Old 20.09.2017, 08:37
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Re: City office signed me up for mandatory health insurance and now I have two insura

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If OP did not get an insurance in time, city is in full right according to the law to sign him up, if he after that period decides to get another insurance that is up to him.
But he got the insurance before city signed up him for one. He fulfilled all his legal obligations already, the rest is city's problem. Don't pay the bill to avoid acknowledging the new insurance. Send registered letters to both city and their insurance with the proof he signed up for another insurer before they did it for him and that should do it. To be safe, yes you could sneak in a clause that you cancel them per end of year should the insurance contract with them turn out to be legally valid

Quote:
Simply saying, don't pay and it all will be fine might be a very expensive advice.
So is paying them - it might be considered an acceptance of their demands. Don't pay to not acknowledge the contract.

Last edited by ivank; 20.09.2017 at 08:57.
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Old 20.09.2017, 09:19
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Re: City office signed me up for mandatory health insurance and now I have two insura

Did you already pay for the months you were here before being assigned an insurance?

It does get back-dated to your arrival, perhaps that's what the bills from Group Mutual are (unless you paid Swica for those months).

Tom
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Old 20.09.2017, 09:38
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Re: City office signed me up for mandatory health insurance and now I have two insura

No it does not. Got my official permit 3 months after arrival, with the usual letter about insurance. Got insurance the next month, sent a copy of the policy to the commune, no backdate, no problem.
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Old 20.09.2017, 10:23
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Re: City office signed me up for mandatory health insurance and now I have two insura

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I moved to a new canton before the deadline in the letters, that's why I thought it wouldn't be an issue and I could just get it sorted with the new address and payment system, wrong
That's irrelevant as the requirement for basic health care is a federal thing. So the 3month period keeps running regardless of how many times you move cross-Kanton.

The question is, did you sign before the deadline mentioned in that letter?

The helpful thing would have been to contact the Zürich authority and clear things up beforehand btw. It may well be Zürich got the impression that you were trying to fool the system by changing Kanton. They probably would have told you to sign up with Swica before moving.
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Old 20.09.2017, 10:52
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Re: City office signed me up for mandatory health insurance and now I have two insura

Are you sure this was a "city office"? Because it is the cantons obligation to make sure you have a health insurance and if not they will, by the power given by the KVG law, sign on your behalf.

Also by law the insurance must backdate. But in some instances it is not done.
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Old 20.09.2017, 11:41
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Re: City office signed me up for mandatory health insurance and now I have two insura

In my experience, only situation where they don't apply retroactive payments is if you work in Switzerland and live abroad, but after a few months you then have to make a choice.

For your case you have to pay since the moment you move, retroactive payments cannot be avoided.

I would pay the retroactive mutuel things, cancel mutuel for 31.12.2017 and just keep your SWICA from that point on.

Is there any month where you have received a bill from both insurance companies?
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Old 20.09.2017, 12:02
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Re: City office signed me up for mandatory health insurance and now I have two insura

Send the City your new policy and make them aware that you're now insured. Once you receive the confirmation from them that they accepted it, you can Forward that confirmation to Mutuel. It's the only way to terminate Mutuel retrospectively. SWICA probably charged you the late starting premium, so you can Show the city you sort it. Otherwise, SWICA will have to terminate or start your cover later. In Switzerland you're not allowed to have two mandatory basic insurances. Good luck!
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Old 28.03.2019, 21:58
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Re: City office signed me up for mandatory health insurance and now I have two insura

Hi OP,

If you're still around, could you please tell us how you resolved this?

Knowing what you did, and whether there was an easier way than collecting all the documents my friends had to show (as set out in my post above) might help others.

Thanks very much.
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