Premium invoices, payment options and subsidies

By grouping three monthly invoices together, we are able to reduce the number of mailings to four per year, instead of 12. This allows us to contain our overheads and reduce our environmental impact. However, this has no effect on payment deadlines.

There are several reasons why you may not have received your invoice within the usual time frame:

• Our invoices are sent by “B” Mail. Therefore, it is possible that they are still in the post.
• There may have been a postal delivery error, or the invoice may have been lost.
• The address we have on file for you may not be up to date.

If you have been waiting for your invoice for more than 10 days, please contact our Customer Services department, who will investigate the reason for the delay and send you a new invoice if necessary. Your Customer Area also helps you to manage your invoices efficiently, quickly and securely. Feel free to contact us if you are interested.

1. Reminder
   If your invoice is not paid on time, a reminder will be sent with additional charges.
2. Formal notice
   If your invoice remains unpaid after the reminder deadline, a formal notice will follow, possibly with charges calculated based on the invoice amount.
3. Debt recovery
   If your invoice remains unpaid despite the reminder and formal notice, debt recovery proceedings will be initiated.
   
   Note: If your invoice covers both compulsory and supplemental health insurance costs, two debt recovery proceedings will be initiated.

Other possible consequences of non-payment of invoices:

• Your insurance company will refuse to terminate your compulsory health insurance (LAMal/KVG).
• The coverage of medical benefits under compulsory health insurance (LAMal/KVG) will be suspended, depending on the canton of residence (entitlement to emergency treatment only).
• The coverage of medical benefits under supplemental insurance (LCA/VVG) will be interrupted and your LCA/VVG contract may be terminated.

Modifying the information on the QR-invoice may result in:

• The receipt of a payment reminder.
• The refund of the amount paid, as the payment cannot be correctly allocated. 

Swiss Law on Health Insurance (LAMal/KVG) requires that anyone residing in Switzerland must be insured within three months of their arrival or birth. If you register within this period, your insurance will start on the date of your arrival in Switzerland or the birth of your child. You will therefore pay your premium as soon as you arrive in Switzerland (according to the date of registration with your local authorities) or as soon as your child is born.

You can view your premium invoices and payment history at any time in your Customer Area.

eBill is an electronic service that allows you to receive, view and pay your invoices directly in your e-banking account, without paper or manual entry.

When you choose eBill for your health insurance, your invoices are sent securely to your online banking area. You can check them, approve payment instantly or activate automatic payment.

This system is secure, environmentally friendly and convenient, as it makes it easier to manage your premium invoices while reducing delays and input errors.

How do I pay with the eBill system?

1. Log into your e-banking account
   Go to your bank's online portal or mobile app, as you normally would.
2. Go to the eBill section
   Look for the eBill service. It can usually be found in the “Payments” or “Invoices” menu. The name may vary slightly from one bank to another.
3. Add Groupe Mutuel as issuer of invoices
   Use the search function to find and add:
Groupe Mutuel Services SA
   (Tip: The easiest way is to copy and paste our name to make sure you find us first time!)
4. You’re done!
   Your next invoice will be sent directly to your e-banking account. All you will have to do is check it and approve it for payment. No more paper and no more forgotten invoices!

The QR-invoice is the latest invoice format in Switzerland, which replaces the old payment slips.

It includes a QR code containing all the payment information (amount, beneficiary, reference, etc.).

With this code, you can scan the invoice with your e-banking app, which means you can pay quickly and without any input errors.
You can also print the invoice out and pay it at the post office counter.

How do I pay by QR-invoice?

Option 1:

• Log into your Customer Area on the app.
• Display the invoice in your Documents.
• Click on the share icon in the top right-hand corner.
• Select your e-banking service.
• Confirm the payment.

Option 2:

• Open your e-banking account.
• Scan the QR code on the invoice.
• Check the payment details (amount, beneficiary, reference).
• Confirm the payment instantly.

At the post office counter

• Present the printed invoice at the post office counter.
• The payment will be made on the spot.
• Please note that this payment method will incur charges.

Direct debit (also known as LSV or CH-DD) is an automatic payment method that means that your invoices are debited directly from your bank or postal account.

Once you have signed the authorisation, payment is made automatically on each due date, without you having to do anything.

For a bank account:

1. Complete the application on the Groupe Mutuel website: Complete the direct debit application
2. Groupe Mutuel will send you (via your Customer Area or by post) the form to complete, sign, and return to your bank. Your bank will then send us a copy.

For a postal account:

1. Complete the application on the Groupe Mutuel website: Complete the direct debit application
2. Groupe Mutuel will send you the form (via your Customer Area or by post). You must then return it to Groupe Mutuel, completed and signed. the form does not need to be approved in advance by PostFinance.

We will change your payment method as soon as we receive the authorisation. In the meantime, invoices that have already been issued should be paid as usual.

No, this option is not available.

These fees are set by La Poste and are subject to change.

• Payments up to CHF 50: CHF 1.20
• Payments up to CHF 100: CHF 1.60
• Payments up to CHF 1,000: CHF 2.35
• Payments up to CHF 10,000: CHF 3.95
• In addition, for every CHF 10,000: CHF 1.25

eBill and QR-invoice:

• No, the correct amount will be automatically adjusted.

Standing order:

• Yes, please change it yourself.

Change of insurer
The change of health insurance company must be reported directly by the former insurer to the cantonal office. It is then up to the canton to forward the subsidy decision to the new insurer. The insured person does not need to do anything.

However, it is recommended that you contact the cantonal office if the new insurer does not receive the decision within three months of the subsidy decision date.

Moving to another canton
You must inform both your old and new cantonal offices of your change of address.

If you are receiving an “ordinary” subsidy, the canton of residence on 1 January will allocate subsidies for the whole year.

If you are receiving a subsidy as part of “social care benefits” or “complementary benefits”, this will be suspended by the canton on the date of transfer of residence to the new canton. You will need to reapply in the new canton.

There are two possible reasons:

1. We have not yet received the cantonal decision on your entitlement to a subsidy: the cantonal office has not yet taken a decision or the name of the health insurer shown in the decision is incorrect. If the wait is long (more than three months), please contact your cantonal office to find out the reasons for the delay.
2. The decision on your entitlement to a subsidy has only recently been sent to us and has been entered into your file. You will receive a corrected or additional invoice within three weeks.

You must contact your office cantonal directly. Groupe Mutuel is not involved in the decision-making process.

For legal reasons, subsidies are not shown on the insurance certificate, but only on the premium invoices.

Groupe Mutuel does not have this document. You must contact your cantonal office.

An invoice is referred to as “complementary” when an additional amount needs to be paid.

Examples:

• addition of an insurance product
• change of insurance model
• reduction in deductible
• addition of accident cover
• upward change in rate
• arrival of a new baby in the family
• removal or reduction of a subsidy

An invoice is referred to as “corrective” when there are cancellations or corrections to premium invoices that have already been issued. The corrective invoice indicates the references of the invoices it replaces.

Examples:

• removal of an insurance product
• change of insurance model
• removal of accident cover
• increase in deductible
• allocation or increase of a subsidy