He double rise in health insurance premiums of Sanitas, is it legal?

He double rise in health insurance premiums of Sanitas, is it legal? Please wear three years in the health insurance of that SANITAS to pay about € 53 / month. Well, I reach the character of the standard round up to 104 / month €, a bonus for 2013 and now I require (the first SANITAS) the outpatient surgery in the summer of step.
I, Assertive Our client is why even insurance premiums, still, I also made it clear that it has passed the intervention of August now bill me a lot of group policy is to (small business area) increase, you do not believe them, but it was found.
Does anyone you know and if it is legal for this? (I will be required to PQ companies that do not know what got it) But you can go to clause policy, without regard to objective criteria that must be known in advance, it is considered a double premium price because it is a change of contract, insured it to allow rough conditions to enable it? , I should not have a fashion preavisado reliable two months in advance?

What margin, sent the report? In either case, they will may seem disproportionately increase, but have the right to set their premiums. These contracts can be a year, conditions (coverage, insurance) checks every year.
If you are not satisfied, you, on your right you do not want to update the policy clearly here.

As I see, it belongs to the group, rather than for you, your group as a whole is a member of the climbing.
At that time, the company and representatives of the class agreed conditions than if the group as a whole, and the rented advantageously individually much all.
The company is dependent on the income of (corporate earnings) in order to study this group, to adjust the price.
that in this case, what you have to say, this group provides a lot of loss of lead to an increase in the price and scope of the appended claims. it was possible even if it wants to keep the negotiation and / or other terms of agreement otherwise, to lower premiums.
Price, you can stop at the time as a major modification of the contract, regardless of less than two months to maturity, was to tell you the policy.

Upload I am the 60%, I have the same DKV my.
If you do not have preavisado hike in October 2012, the increase is illegal (unilateral change of terms and conditions without notes two months of legal), you can keep the price of 2011-2013 they you You can request to be.

By law, insurance companies are not required to be performed in public notice two months in advance in advance. Yes, it should. However, this is not the case.

One, provides offices and consumers have put a claim to the entity, I do not provide the Directorate with no insurance in the end, and I do not mean that the right proof.

You, one thing is that you can two months, to terminate the contract as required by plans law to gain market share without notice, and that you would not be displayed in time. Another, is that before the insurance climb two months, that it is forced preavisarte legally.

I have the same company, and the emergence of policies that do not communicate with the two months corresponding to the advance, it's still, I have not beat any contract.
According to Article 1 of the law on insurance contracts, insurance fee, is an essential element of the contract. Therefore, pursuant to Article 1262 of the Civil Code, modification of the contract on the basis of the amendment to section 1203.1 of the Civil Code which requires the validity of the will of both the approval of the contract. For its part, Article 5 of insurance contract law is defined modifications and additions and any insurance contract and should be formalized in writing. Therefore, fluctuations in the price of insurance, is an important element of the contract, the party will be held from time to time agreed to such changes occur. Supplementary document or writing of policy change itself, have the validity of the function of the contract.
Provide notice period of 22 insurance contracts, contract law extend.
I know what I'm talking about.

Article 22.
Be greater than the modification of the term of 10 years is specified in the policy that you can not contract. However, a period not exceeding one year at a time, you can set the one or more extensions.
The parties, by written notice to the other party during the two months before the end of the notice period of current insurance, you may want to oppose the extension of the contract.
The provisions of the preceding paragraphs shall not apply to conflict with the regulation of life insurance.

Says the insurance company that the increase in the raw, that there is a duty to warn of two months in advance?
In many cases, if not in the contract itself is a variation in the contract, in most cases, increased insurance premiums collected elsewhere.

If we have if the text indicated in the complaints you included, that you will not be notified by letter of October 2012 from climbing has not been revealed. You must respect the premium price 2012.
According to Article 1 of the law on insurance contracts, insurance fee, is an essential element of the contract. Therefore, pursuant to Article 1262 of the Civil Code, modification of the contract on the basis of the amendment to section 1203.1 of the Civil Code which requires the validity of the will of both the approval of the contract. For its part, Article 5 of insurance contract law is defined modifications and additions and any insurance contract and should be formalized in writing. Therefore, fluctuations in the price of insurance, is an important element of the contract, the party will be held from time to time agreed to such changes occur. Supplementary document or writing of policy change itself, have the validity of the function of the contract.
According to the Article 22 of the Insurance Act, the notification, you must within two months before the end of the current period of insurance.
The provisions of the preceding paragraphs shall not apply to conflict with the regulation of life insurance.
Provide notice period of 22 insurance contracts, contract law extend.

I think I will Dagda. They are under no obligation to notify the notice of two months to you to honor the bonus last year. Another is that if you do not like the proposal of premiums, and that do not have the right to update.
Renewable, but that contract is annual is clear. Now you can pay the premium, one year, or to receive coverage, specific [Yes]. Next year, God Masu if what you are interested, or taught to offer you insurance coverage and fees.

I think I will Dagda. They are under no obligation to notify the notice of two months to you to honor the bonus last year. Another is that if you do not like the proposal of premiums, and that do not have the right to update.
Renewable, but that contract is annual is clear. Now you can pay the premium, one year, or to receive coverage, specific [Yes]. Next year, God Masu if what you are interested, or taught to offer you insurance coverage and fees.

Please I imagine that sometimes, you have to unsubscribe when you report a change in the cost of your own mind, 10 days is required at least. And if not, that makes their leave, leaving you completely, you can you can alert on December 29 has been an increase of 300 monthly fee €, or to do anything. So I think at the time I write a letter amendment, you have the legal term for it, when you refused to unsubscribe.

The collective policy, in a way that is supposed to make this same agreement in a group siniestralida Policy Review with the addition of this item, you know if anyone has mentioned, but do you not? More than anything, in order to leave it there, ... put in the contract we

I think Well, I almost certainly, and it is. Group Policy, warns that can be used to set the premium ELO claim, they will rise. However, together, you can determine that no update period in 2013 with them.
In our case, the time for each group, (2 times, increased more than 10% never) emitted by the accident. When you switch to a new group, it is provided to people who do not give a crash, I make a particular group further.
It means that there must be a special campaign for something last year, it has increased, the other options, that do not have it this year.

I'm more focused and prospects of Dagda. The law, it is an important part of the contract certainly about what to carry the story webseguro premium. Therefore, without obligation if you do not agree to the new conditions under which the entity is changed in order to increase the premium, the other party has been proposed, by the ability to do not continue to update, be rescinded In order to provide end that do not communicate when what happens, it was awarded within two months.
Clause has said eye, that this is to be analyzed for many companies in the general terms of the agreement are included, "payment on the basis of the claim history of the insured, it is be revised annually, ... "

I have a question, it checks to see whether anyone can tell me.
If you order a low SANITAS, Check it, I got an e-mail from there.
I had a policy of up to 31 "December.
My question is,
Understand that there is no policy of this time I can go to the doctor, it's okay, I both of extension of payment and future policy.

I modified the way to the ophthalmologist have a visit of only all fees paid every year to make early December.
That I do not like this visit, if applicable'd as it is possible to update the policy automatically, to pay directly out of pocket, I, I is to obtain a receipt Euro XXX medical consultation.

He with you, the resolution is attached to the company an elaborate mistake in court but, DG insurance, issued not positive.
In my case, I even if I do not go to the court, I paid the money of DKV. Letter dated October, was put in a November 2011 letter head, in the second half of the letter.
I went back to extra cost of one year for my resolution, and, had to wait almost a year.

I think it was too late because I know that you or resolved now, it must be forgotten, I will create a case of me finally, explain the many problems Unfortunately the it was decided to attempt.
If I can, I will begin to answer the main question of you. Yes ....... it is legal. They are to follow the law, you will be XX of the means that you must communicate in writing with more than two months in advance surplus premium new.
As they say, it is, so I'll assume that to comply with the law, to send a letter of standard to connect the change of insurance. If it is really so, accept the rise of have you just two options, either updated with the new conditions, it choose the non-update.
As you say, it MUST be communicated in writing within the time periods specified in (2 months) regulation, change of the essential elements of the contract does not belong to the insured or receipt. If you do not meet that requirement, the insured, the company has a third option to the policy update demand the same conditions enjoyed until now.
In response to complaints that are currently in the Directorate General of insurance, you are waiting for the final report, this is in my case.
Who are you might be wondering is me, and you will find the fun for me to stomp his head, I well I know that I have and respect ... and do not laugh, but people who like, you have insured, the difference probably is, and is that it is running in the decision-making of claim'm total management, please follow the instructions in the legal department of the company and my insurance company I You can say only. Such as property and casualty insurance that gives the same answer to the question, insured, I is described in detail in this article, Insurance Law, covers all the items on it.
Sorry, I have not read before, but hey, I think like us, this post, and can help people feel other lost in such a situation completely.
If you do not comply with the law of cause of action, I am, for now, I am the company, waiting for the DGS of decision-making.
Meanwhile, I'm still paying twice.

However, as reported the problem, We appreciate
However, the point of my art, I have a question I am. Because it is transmitted to one of the other political party to oppose the extension quotes, the contract, 22 story of two months in advance:
The "party, by notifying in writing was made in less than two months before the end of the current period of insurance, to another party, you may want to oppose the extension of the contract."
If you need it to communicate in two months, the company, in order to extend the contract, I understand and agree that you do not mind at any time, because they do not prevent an increase in insurance premiums, I am a article they There is no need to communicate in two months, why I will not understand.

Among them, every year, I suggested convey its intention not to renew the policy in about three months in advance. To negotiate the premium each year to "force", without a disproportionate increase of unpleasant surprise to ensure the premium, to give room to the consumer we, at the last minute, this is, the insured I told.
So, why, I shows that you do not want to extend? ? I do not know the annual premium. They say that it can not be said to me still? To do so, it is not updated. Any cost of updating just let me know in the end they, I, I said. How many times I? Since they were warned within the time set, I, can be used to determine whether to update the wear well.

In Article 22, it says which states, in essence, but in my case, in this case, that any company motivates MANDATORY in writing, modification of an essential element of an insurance contract bonus in is. Rather than the company, to me, is (or variant IPC), I, to communicate things DECIC except that it does not update the policy of I it is raised to 100% of the premiums that have been updated as a percentage of normal He was never to be required for. In this case, yes, it is a duty.
Currently, the document has been collected on the subject with my hands, but I used to tell all the items in the statement of some are creating a lawsuit with the board that the company had failed to reach the end I promise that you encourage me to.
For more information, ....... I will say that there is a court decision that Barcelona is considered as a bonus significant change fee of up to 12%
Thank you for your interest, I promise that it will continue to report the process.

If you know it is bound to communicate in writing for the company to change the essential elements of the contract, I is consistent with what you have to communicate in writing. I also, with the rise, agree that is an important change. Is formed as you oppose the extension only, the law does not set any time that need to communicate for two months in advance, I shall not agree to that you have not realized it. They are not opposed to the extension. In order to change or modification of the contract, mention it in writing, but it must be carried out for two months in advance.
Sure, you work with not too much about it, but I have no interest in the subject of insurance as a consumer. I also have car SANITAS 2 life insurance, two, the health insurance and individual house 2. Bundle a year of insurance in the end, on the I do not want to be abused or cheated and fooled me.
I do not say it does not violate the text they created the law and other articles by it. I so like I said I am skilled in the art as good, I do not know.

As you say, we have, is that not for the sake of it ... truth is, meaning this case I honestly, and, clearly visible "" abuse, stupid ... not a thing, that you are thinking most of us is the stupid they is clear it. Anyway, I think that it can be applied to what it says ... it is "... phone, for people who have to give a reason, we do not say anything and we head that right .. "..... there is a hang 10, we are trying to do?
With respect to the problem at hand, I may not have been well represented, perhaps, needs to be more specifically maybe I. I'm probably too bold, but I was sent by e-mail response that gives the subject of the DGS.
In the meantime, let me say that it was glad that people know are concerned about the PO know why. The bad .... if all of us are silent!

As you say, we have, is that not for the sake of it ... truth is, meaning this case I honestly, and, clearly visible "" abuse, stupid ... not a thing, that you are thinking most of us is the stupid they is clear it. Anyway, I think that it can be applied to what it says ... it is "... phone, for people who have to give a reason, we do not say anything and we head that right .. "..... there is a hang 10, we are trying to do?
With respect to the problem at hand, I may not have been well represented, perhaps, needs to be more specifically maybe I. I'm probably too bold, but I was sent by e-mail response that gives the subject of the DGS.
In the meantime, let me say that it was glad that people know are concerned about the PO know why. The bad .... if all of us are silent!

Returning to Stay informed about all things that appear again in my struggle against SANITAS and're here (stay) I am as promised.
I know if I mentioned, but a few months ago, he is, please do not contact me by SANITAS insurance ombudsman to tell me that it has moved to the problem of the customer service department of the company. As a person who received a good education, I thanked him, I showed that I did not hear anything I. Result of your management? It gives the company the reason, but not the worst, but I really .... I is that not for that is described SANITAS is going to do things just argument and offend his claim, flipaba incredible.
To say and, DGS has given me why 11 months after the fight, and I am pleased to inform you that the thousands of hours spent. I have not received a report yet, I can not give more details, but I will be able to confirm that the report is advantageous to the plaintiff.
Well, I like to have a report of my hand as soon as (DGS out yesterday) that you can give your details, I please do not roll over me.

The truth is that it is as an animal, every year, and to climb some that is surprising. I, satisfied with the service estoymuy SANITAS so that all the same thing as long'm, you do not have an interest in the company that I change.
The solution, when you get a significant increase (up to 2014), every year, is that I would be SANITAS office is me, and I can see that it is a group that is cheap. From a few years ago, it has the CIT (or not), but in the sports organizations of the year the lowest price, there is in most cases. Then, (which saved me a month) 50 euros I federo to this group in order to provide high SANITAS in a group, I look up to the elderly I always. So there are times when I went to SANITAS for others with Sailing Federation, such as a fence, I ...
I'm talking about 50 euros per month or more of rescue me. Usually, the children of two 40 plus years 10 years old adult, I pay about 140 euros a month. Want to go to 170 this year, I'm beginning to see as I have are cheaper now.
Because I think it's a good idea, I have seen him.

I promise that we will contact you in order to inform about the results that ends after the file that claim to be put against my SANITAS.
Well received the final report from DGS finally, in fact, in every one of his points, how I could I or, in favor of the plaintiff as opposed to it.
The end result, according to the DGS, SANITAS is, is that it that it was not reporting the change of insurance premiums in a timely manner, that there is a need to replace € 2,000 approximately. In my case, as a summary, I increase the bonus of 100% without telling me in advance.
The report I received on December 12, but, to tell you that when I received the news of the company, it was not until yesterday, I was waiting until today. Well, I do not like the need to call me to ask.
In my case, (under the threat of severe penalties for the failure of the imperative 22 of Insurance Act and Article 5), the SANITAS our resolution and DGS is all of the amounts paid (non-binding) 2013 a year or more has decided to accept the report as agree to be replaced.
In fact, the reason for me, in fact come next week, we are making a request, he is, that it has been forced to use the court on a regular basis I am If you have not received a DGS company reported I It was suspected to have a doubt.
Process is as follows as of .... Next record and summary.
1 -. I will present the claim in the Customer Care Division SANITAS. Does not receive a response within two months.
A - 2. Santa forwards the complaint to the insurance ombudsman. SANITAS agree to dismiss the complaint. This occurs in 9 months.
3 -. DGS in 11 months and gave my reasons.
In short, it took 11 months, and spent a lot of time, LET to go all the way in the case, we have the right it has become clear it. The Tango33 message before playing in 95% of the user, as I said you do not do anything, you, please do not let them.
Well, that's it ....
If you would like, everyone, please contact me for more information.

I decided after the time you have by checking the floor properly, they would give a high to me in January 1st, I have in 2012, to unsubscribe from SANITAS to pay self-pay premiums and then, other companies, provide better, as long as they want to know what you follow the operation q does not change the policy, be getting 160 around every year my Q Bank and Q receipt I When you send a reference is, because it is a surprise Q my, in another company, is providing Euro me SANITAS to remove and copays calling me, the discount 30% of the premium of up to 65 years old this year, If you will pay more after the q and population, do not send something or letter to me and tell me to pay Q, Q, then, q is, IPC and the Q of the few times I first it is called, but you get, but what notification Q is ..... me whether to buy it is not QA me for me to see whether you can be? I said, I return receipt, as I went to the office of the DGS and the consumer? The QQ, economy affects the other, to the Q and q does not worth doing these things, if I do not think paying a lot of effort that's unemployed, I XQ X now I money was not going to update, XQ with half of the salary of Q car insurance is like ridiculous, regardless of the charge of them my I always ridiculed for q that gave me hope, and q, I fulfill my duty to llorarles.
If you do wrong want to back up the receipt, is that I know the step once roll.