18. Birthday, there is a mountain of debt

For the young adults it is often a shock: Suddenly you have several Thousand Swiss francs debt – without any fault. 18. Birthday you get a quasi-a poisoned gift. Sometimes victims get nothing. From your mountain of debt, you know, if you order, for example, a debt collection register extract to apply for an apartment.

The debt the parents have brought them. This would be up to the age of majority for the Pay of the health insurance premiums of the children in charge. However, not all pay the bills. Because you can't. Or because you spend the money for something else. With 18 years and then suddenly the boy straight. That is the law today.

Annually, 75 to 100 cases

Although the health insurance companies can collect the debt to the parents. But there is usually a lot, otherwise it would have done the insurer for a long time. So hold on to the young people, the mithaften solidarity. Thus, the Start of life to adults severely affected. An entry in the registry can in addition to the apartment there is also the professional search, make it difficult to entry – such as with lawyers, jewelers, or Trustees. And a switch to a cheaper health insurance is only possible if the debt to the previous cash-settled.

The collected young people are probably only the tip of the iceberg.

In their time of Need, is looking for a part of the young professional help. The umbrella organisation for debt counselling, so it is annually 75 to 100 such cases. In General, the debts amount to 2000 up to 25’000 francs. However, the captured young people are probably only the tip of the iceberg. Add to that all those who do not report to the Agency in the case of a non-profit consulting.

Federal Council waved until ...

For years, the Solothurn is trying to solve a social Democrat, Bea home, the Problem. Long in vain. In a first step, they filed in 2015, a parliamentary request to the Federal Council, without him this would have led to Action. Two years ago, the then national councillor to put a PIP and requested by Motion that children should not be for lack of premium payments to their parents prosecuted.

But the Federal Council and the administration waved in the first place. You see, "any appropriate measure" to solve the Problem. You say to the insurance companies, the conduct of the young people notified to the contrary by the insurer to other creditors.

... and moved on but then

the more the Federal councillors and officials should have been astonished, as, of all things, the President of the health insurance Association Santésuisse behind the indebted young people and Bea home. Heinz fire – then-SVP-national Council filed a further Motion that requires the same thing: "young adults should not have to deal with this mortgage to the adult life to start."

and lo And behold: Suddenly, the Federal Council moved. Now he recommended the same desire, which he rejected two years ago, at once to the adoption. Officially, he justified his change of opinion, the outstanding claims in the health insurance companies would have continued to increase. It was assumed that increased premiums of children would not be paid, the Problem has exacerbated.

success for Ex-parliamentarians

This seems to have broken the ice. The national Council has adopted the two Motions of the home and the fire is already large majority. Today is Wednesday, the Council of States is expected to follow. The preparatory Committee for social security and health recommends at least a Yes. Unanimously.

and lo And behold: Suddenly, the Federal Council moved.

as a result, the two Ex-come-MP – home resigned this year, a fire was voted out of office – well, in retrospect, to be a success. The Problem is not solved, of course. As with the parliamentary expression of will, a law is not changed. For a concrete change proposal must be developed. And the same people are in charge, which saw two years ago "any appropriate measure".

Federal times

Who asks the Federal office for health, you don't get the impression that this is prepared for a fast implementation. Instead, you have to wait, for now the decision in the two councils. Now, the Federal Council must decide how quickly he wanted to forward.

Meanwhile, more young people are in the predicament that you are 18. Birthday a mountain of debt and with a mortgage to the adult age start to inherit.

Created: 03.12.2019, 23:30 PM