Employees can choose a different health insurance company once every 12 months, always at the beginning of July or January. What is the procedure for changing insurance companies and what are the obligations of the employee and the employer?
When can I change my health insurance company?
Date 1 July is one of the dates by which an insured person can change health insurance companies. Another date on which a change of health insurance company can be made is the date of 1 January. The possibility to choose a health insurance company is determined by legislation, specifically the right of the insured to choose a health insurance company is defined in § Section 11(1)(a) of Act No. 48/1997 Coll., on public health insurance.
How do I change my health insurance company?
The insured person can change health insurance companies once every twelve months. If the insured person decides to change health insurance companies, then it is necessary to send an application form to the health insurance companywith which he wishes to be insured, namely at the latest three months before the requested change date.
The insured person is entitled to change the insurance company in a period of less than 12 monthsif:
- Health insurance companywith which he is insured, entered liquidation
- was Above Health by the insurance companywith which he is insured, compulsory administration introduced
- occurred to merge health insurance companieswhich also applies to the health insurance company with which you are insured.
An insured person can only apply for a change of health insurance company once per calendar year. Any further applications shall not be taken into account, even if they are sent within the statutory deadline.
Employee's obligations in connection with a change of health insurance company
Insuredwho changes his health insurance company, is obliged to about this change inform your employer namely within 8 days of the change health insurance companies.
In the event that they fail to do so and a penalty is assessed against the employer in connection with the failure or delay in notifying the insured of the change of health insurance company, the employer is entitled to demand payment of the penalty from the employee or former employee.
Employer's obligations in connection with a change of health insurance company
The employer is obliged to in writing acknowledge receipt of the communication to your employee about changing health insurance companies.
Further is obliged to register employees to pay health insurance with your newly chosen health insurance company via the Employer's Mass Notification with code "P". With the original health insurance company the employer must employees log out by sending the Employer Mass Notification form with code "O".
Each month, the employer must send to the relevant health insurance company a Summary of Premiums for all employees insured with the health insurance company, which shows the total assessment base for the employee and the amount of the premium paid.
Consequences of an employee's failure to notify a change of health insurance company
If the the employer did not find out about the change of health insurance company in time, would not sign up an employee to the health insurance with the newly chosen health insurance company and at the same time he wouldn't have signed the employee out with your current health insurance company.
Further, within the statutory period not sent Employer's premium payment summary to the insurance company with which the employee is insured and would not have paid the health insurance by the deadline.
At the new health insurance company By for the above reasons arrears have been incurred on health insurance premiums and with the original insurance company would On the contrary an overpayment has been made.
TIP: We recommend that employers emphasize to their employees that they must report the change of health insurance company in a timely manner.
