Hello everyone. Some insurance company called Helsana keep sending these letters: https://i.imgur.com/ArcbPCo.jpeg to my father. Sometimes with a check attached. He stated that he will not gonna pay for anything and said that maybe his employer signed an insurance without his consent. He worked in Switzerland for about three months but now he doesn’t even live there anymore. Looks like they keep billing these amounts of 266-296 CHF every month for a so-called “Prämienrechnung”. What happen if he don’t pay his debts? Is there any way to cancel this thing?
Helsana is a health insurance company. It is mandatory in Switzerland to have health insurance. If you neglect to sign up for insurance yourself, the community you're registered in will sign you up for one of their choice.
Since your father was in Switzerland for three months, he probably owes three months worth of premiums.
Your father should contact Helsana and tell them he doesn't live in Switzerland any more.
How does he get these letters? If it's in the post then Helsana will know he doesn't live there anymore, or is someone in Switzerland forwarding them to him. Either way, as above, he needs to contact Helsana and explain.
He will have to pay for the 3 months he lived here. If he gets proof of de-registration for his Gemeinde and sends it to the company, he shouldn’t have to pay from when he left.
Second the above + your father is risking a debt collection process started against him. Soon.
for a few hundred francs, international debt collection ? I doubt it. As long as he hasnt talked to the company on the phone, then you've a fiar likelihood they will give up soon. they have no certainty you actually even live there.
Maybe true, but I personally would not risk it. Well I wouldn't be in this situation in the first place 🙄
Thank you to all for your help. They sent these letters to his address in Hungary. Btw he received another letter of Letzte Mahnung with 329 CHF today. I contacted Helsana for immediate cancellation of his policy. He didn't even lived in Switzerland, he was a cross-border worker.
He was told that cross-border workers who have insurance coverage in another EU or EFTA state are exempt from paying insurance.
Maybe this link will help:
https://www.bag.admin.ch/bag/en/home…rinnen-ch.html
If I understand it correctly, that statement only applies if the cross-border worker is in one of the neighbouring countries (France, Germany, Italy, Austria) with which Switzerland has a mutual agreement regarding where a worker must be insured - and one must apply for an exemption.
In all other cases, the worker must have a Swiss “Krankenkasse” (medical insurance) in place within 3 months.
According to the above link, the requirement for compulsory health insurance ends when the employment contract ends.
You need to get in contact with the health insurance company to get this resolved and avoid any problems down the line.
Rgds,
Nick
He was signed up by the relevant Swiss authority has he did not provided proof of an adequate, accepted insurance coverage within good time. Standard procedure as mandate by the law Art. 6 KVG .
See post above what insurance coverage is needed for a cross border worker.