According to several recent statistics, people in financial difficulty in Switzerland first forego paying their taxes and then their health insurance.
According to studies conducted in 2015, nearly 60% of indebted households were indebted largely because of health insurance.
Another striking figure emerges from these studies: among indebted households, 72% of people with a job have debts related to health insurance. This is due to the fact that the slightest change in their financial situation can turn everything upside down. Losing their job, for example, can cause them to lose up to 30% of their income if they become unemployed. For example, a person earning CHF 3,500 a month and without children can see his or her salary rise to around CHF 2,500 unemployed.
Suffice to say that with such a difference in a budget, it can be extremely difficult to keep up, especially when there is usually a car on lease, a phone subscription, internet, rent, health insurance, taxes etc...
In addition, health insurers are very strict about late payments, unlike other creditors who are more flexible when you are in arrears. It is therefore essential to make health insurance one of your reimbursement priorities when you are in financial difficulty.
Indebted against their will:
When they reach the age of majority, many young people find themselves having to pay large sums of money because of health insurance premiums that were not paid by their parents when they were minors.
For more information, read Debt and young people in Switzerland
How can such a situation be explained?
Although parents are responsible for paying their children's health insurance premiums, unfortunately it is the children who are legally responsible for paying their health insurance premiums. Also, when the children reach the age of majority, they are then considered responsible for health insurance premiums not paid when they were minors. And in many cases, they quickly find themselves stuck because they do not yet have the means to meet the amount of arrears that health insurance requires.
There is therefore a risk that they will find themselves registered with the debt collection office and have a negative solvency when they return to work.
How do I stop delays?
Although health insurance very rarely comes into play when an overdue bill has reached the stage of an order to pay, it is possible to stop the bleeding as long as we have the knowledge to do so.
Indeed, thanks to our many years of experience in the financial field and our weight in negotiation, we at Milenia offer you the restructuring of your debts.
Debt restructuring corresponds to:
- Stop your creditors' reminders
- Preventing prosecution and seizure
- Have a single affordable monthly payment to get out of debt
- Get your head out of the water and get back to a peaceful sleep
The benefits for you are numerous, but the main ones are:
- Your debts are stopped and the reminders from your creditors stop
- You only have one person to talk to who never judges you
- You are free to stop at any time
- You don't create new debt
- Confidentiality and discretion guaranteed (we do not contact anyone other than your creditors)
If you feel that your financial situation is out of your hands, you can now make your request without obligation, or call us on 021 620 60 00 and our advisors will be happy to help you.