At the beginning of this week, the Chamber of Deputies dispatched the draft Short Law of Isapres, and is now in the hands of President Gabriel Boric for promulgation. This project is crucial, since it forces the Isapres to return the money overcharged to their affiliates, a figure that is estimated at approximately 1.2 billion dollars.
The return of this money will be made within a maximum period of 13 years for beneficiaries under 65 years of age. For those over 65, the term will be five years, and those over 80 will receive a preferential payment in two years. In addition, the Isapres may offer the option of a voluntary advance payment, facilitated through transactions managed by the Health Superintendence.
Regarding the details of the return, the Isapres must determine the amounts and payment methods within a period of one month from the publication of the corresponding circular. This includes the application of the Single Table of Factors (TUF), which will adjust charges to many affiliates who were governed by old tables, reducing their health costs.
Beneficiaries who have contracts prior to April 1, 2020 will be informed about the incorporation of the TUF. The Isapres They must present a payment and adjustment plan, detailing the number of contracts affected, the amounts to be returned in development units (UF), the return period and the method of payment.
To find out how much they owe you Isapres, affiliates must pay attention to official communications from their Isapres, which will include the necessary instructions to verify the amounts owed. It is also likely that online platforms will be enabled to facilitate this consultation.
