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Old 28.06.2021, 19:24
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Assura Settlement of premium surcharge for late entry

Hello,

I came to Switzerland on 19 January 2021 as a Polish tourist, living with my boyfriend. Meanwhile this time, I got a job offer somewhere in march which was totally unexpected.

I registered as a resident of canton Zurich on 10 April which means that I haven't stayed more than 3 months in Switzerland is not registered.

After that, I made an Assura insurance. After I paid the first bill I received a
Settlement of premium surcharge for late entry(Verrechnung Prämienzuschlag für den verspäteten Beitritt)
The first one I got on 12:
12.05.2021 Verrechnung Prämienzuschlag für den verspäteten Beitritt asking for 181. 40 CHF while the second one i got on 08.06.2021 asking for 247. 35

I sent them a letter explaining the situation that I came as a tourist and according to the law, I can stay here without insurance for 90 days.
It took 2 weeks for them to answer while the first bill payment date passed.
The answer was that: the surcharge will be reduced by 5 days or something like that.
Afterwards, I was at the Assura office explaining the issue where the employees made "fun" of me and assure me that I do not need to pay anything and i should ignore it.
Then I was at the canton office of Zurich where they told me to contact a city lawyer.

Today I contacted a lawyer who said that he is not an expert but he thinks I should pay.

Now I'm very confused and the bill is getting more expensive each month + I don't know why they charge me that much and for how many months I'm expected to pay this ammount.

Does anyone have experience with such issues?
What are my options?

Thank you.
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  #2  
Old 28.06.2021, 21:30
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Re: Assura Settlement of premium surcharge for late entry

What date of entry did you provide?
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Old 28.06.2021, 22:14
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Re: Assura Settlement of premium surcharge for late entry

If you got a job, you are not a tourist, and thus should pay.

Tom
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Old 28.06.2021, 22:44
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Re: Assura Settlement of premium surcharge for late entry

According to your dates, up until 18th January 2021 you were outside of Switzerland.
From 19th January 2021 up until 9th April 2021 you were a tourist in Switzerland. (If you want to claim that, you may need to be able to document that, for that time, you had your real home elsewhere, say, in Poland.)
From 10th April onwards you have been officially registered as living in Switzerland.

However, you got the job offer in March... were you effectively already working in Switzerland then? If so, it may be that 10th April counts only as the day you registered with the authorites, while the date you started to live in Switzerland might be counted, retrospectively, from the date you started work.

In any case, the medical insurance premiums are backdated, at the very least to the beginning of the month. In your case, that would be the beginning of April (if 10th April counts as your date of taking up residence) or to the beginning of March (if you were already working in March, since working here proves that you were de facto resident here).

If your arrival date is counted as, say, 15th March, then you have until 14th June to take out compulsory medical insurance.
If your arrival date is counted as the same as your date of registration, 10th April, then you have until 9th July to do so.
Anything after that is late.

Here's the official information:
https://www.bag.admin.ch/bag/en/home...gspflicht.html
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Old 28.06.2021, 23:15
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Re: Assura Settlement of premium surcharge for late entry

You might be able to prove to CH insurance that you were indeed just a tourist until you started working by providing them documents from your previous insurance and end date there which would cover you until you switch to CH insurance.

Assuming that you ended that previous one in a timely fashion.

Also, deregistering residence in previous country might help.

However, one thing I find weird for your case is that you got a fine, but not premium to pay. Be aware that you have to pay premiums from the day you became resident.
I mean, if they really claim you started with january, then by april you're still in 'you have 3 months to choose your insurer', and then you have to pay those 3 months premiums at once.

However, I've heard for cases where people cheated and didn't report themselves as residenst or something and pushed the deadline into 4th month, and then they just got fine for being late in about amount you've mentioning, but premiums started after that date, so they didn't paid for those first 3 months premiums.

But with your dates it just doesn't add up, it's neither of those two cases?

I think date of job start should be good date to count things around it?
When was that exactly?
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Old 28.06.2021, 23:21
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Re: Assura Settlement of premium surcharge for late entry

Quote:
Today I contacted a lawyer who said that he is not an expert but he thinks I should pay.
Pretty much this. The problem is that you were never a bona fide tourist. You came to visit your boyfriend not for the purpose of tourism and employers don’t walk up to random tourists in the streets and offer them a job.

Your chance of convincing anyone in authority that you were a genuine tourist up to the date you started working is very low to non existent.
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Old 29.06.2021, 09:25
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Re: Assura Settlement of premium surcharge for late entry

@Sigh
The date i entered in the country unfortunatelly ..
19 January

@st2lemans
I agree but for 3 months i was not.

@doropfiz
In March I was not yet working, i started work on 12 April and registered as a resident on 8 April (not on 10 as i wrote above )

@blacky I started working on 12 April 2021 but seems like according to assure this doesn't matter. I started to think that maybe is also an issue with assurance because they are totally not helping. Nobody knows anything or they are not willing to help, I'm not sure which case is.

@Jim2007 Yes, you are right, even so, I would say that this doesn't matter. And most likely I will pay today since I don't want an extra bill but is still confusing.
And why employees of assura said: "don't worry don't pay any extra bills and just ignore them". I should have recorded that so later i have a proof of why i didn't paid..
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Old 29.06.2021, 10:25
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Re: Assura Settlement of premium surcharge for late entry

Hello, create a customer account at assura.ch to keep track of the bills.
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Old 29.06.2021, 10:50
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Re: Assura Settlement of premium surcharge for late entry

I have one already. The bills info which i posted above is from there
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Old 29.06.2021, 11:35
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Re: Assura Settlement of premium surcharge for late entry

You are liable for health insurance from the moment your are resident in Switzerland. That isn't necessarily the date you registered with the authorities, but the date you arrived in the country. You get 3 months to get your paperwork sorted out, but you'll be liable for the health insurance from the date you arrived, not the date you registered. If you had left Switzerland during the initial 3 months period, you probably wouldn't be considered resident.
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Old 29.06.2021, 15:52
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Re: Assura Settlement of premium surcharge for late entry

So, the insurance is of the opinion that your insurance with them started too late, i.e. after these 3 months. Hence the surcharge.

Spoukey, you have two issues now:
The surcharge itself, plus the reason why the insurance thinks it's appropriate to levy it and clarify/remove that misunderstanding. You do want to pay the monthly surcharge in time, in order to avoid additional costs, because the insurance will enforce payment. If it's established later on that it shouldn't have been raised, the surcharge paid will be reimbursed, so you lose nothing by paying.

According to binding regulation, the insurance has to raise a surcharge of 30-50% of the premium for twice the duration the contract started late. So for example, if you're late by 4 months and ten days, then the surcharge will be levied for 8 months and 20 days. The monthly pro-rated portion is added to your monthly insurance bill.

The duration the surcharge will be levied for (certainly, you've received communication informing you?) tells you for how long you're considered late. That in turn allows to establish the relevant date, and maybe you can think of something relevant happening then.

Now, the question is why the insurance thinks you're late. Two potential reasons seem likely:
- An error. Check the data they provide in their confirmation for correctness.
- you did indeed register too late. Have you been in Switzerland before during 2020, when and for how long? Or maybe you've worked here before, perhaps remotely?
And since asking in person is no use, ask in writing for their reason.
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Old 29.06.2021, 19:13
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Re: Assura Settlement of premium surcharge for late entry

Thanks, will do that.
So far I will pay for the 2 bills.

In the letter which I got back from them, they asked for proof from a legal entity that indeed I was registered here only on 8 and not before. But since the date of arrival is 19 January and the date of registration is 8 April I guess it won't help with anything.

And related to your questions, I was here before but as a tourist for short periods of time and never worked before April 2021
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Old 29.06.2021, 19:47
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Re: Assura Settlement of premium surcharge for late entry

When was the work contract offered and signed ? What was your official first day of work in Switzerland ?



How long are you allowed to enter Switzerland to 'look for work' without returning home ?


And did you claim anything on health insurance prior to 10 April ?



And what did you write on your application form when you registered for health insurance ?



Something does not quite 'add up'.... did you apply to enter Switzerland or did you just come in randomly to look for work and take a holiday with your boyfriend (are you 'partners', 'fiance' or ???)
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Old 30.06.2021, 14:10
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Re: Assura Settlement of premium surcharge for late entry

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In the letter which I got back from them, they asked for proof from a legal entity that indeed I was registered here only on 8 and not before. But since the date of arrival is 19 January and the date of registration is 8 April I guess it won't help with anything.
The date when you crossed the border and entered Switzerland seems to be irrelevant. What counts is the date of your registration as resident. You couldn't have registered without a job, so whatever happened in January is of no importance. Granted, being Swiss I'm anything but an expert, perhaps someone with clear knowledge can chime in. But this page by the Swiss government looks pretty clear, and I fail to see a relevant difference between an L permit and a B in this regard, whichever you happen to hold.

If you registered in Zürich city, you should have received something that looks like the PDF "Muster Meldebestätigung" linked to from this page when you registered. Specifically, it should mention April 8 on the "Zuzug" line. Present a copy to the health insurance, that should do it and get the surcharges returned. If you no longer have the original, request a duplicate on the same page.

As for the insurance premium itself, you may want to look into that. It looks like you have the minimum franchise, if you're healthy you probably want the maximum (ignore every deductible other than the minimum and maximum, they're not useful). See the official complete list of providers and products, perhaps check what the difference between minimum/maximum Franchise/deductible means and if that's worth changing. Further, you don't need the accident insurance option if you're employed, and the employer's is even the better one. Personally I'd say to cancel that once you've "survived" the test period (usually 3 months, can't be more) at your new job.

Last edited by Urs Max; 30.06.2021 at 14:22.
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Old 30.06.2021, 14:31
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Re: Assura Settlement of premium surcharge for late entry

surely the cost of the lawyer was more than the outstanding bills?
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Old 30.06.2021, 14:34
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Re: Assura Settlement of premium surcharge for late entry

You have to pay from the date you told the Gemeinde you’ve been living in Switzerland. If you gave the authorities the date you came as a tourist, then you’ve stuffed up I’m afraid.
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