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Collective agreement cannot force choice of insurer

ATA/90/1997Cour de justice / Verwaltungskammer04.02.1997Dismissed

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Omnilex-Zusammenfassung

The court held that a collective labor agreement cannot oblige a worker to join a specific health insurer. Article 7 LAMal guarantees free choice of insurer, and this mandatory principle cannot be contracted away by collective agreement.

Omnilex-Regeste

Art. 7 LAMal; free choice of insurer in compulsory health insurance may not be restricted by a collective labor agreement. A collective agreement cannot validly compel an employee to conclude health insurance with a particular sickness fund, as this would contradict the mandatory nature of the statutory freedom of choice.

Gesamter Gesetzestext

Descripteurs

ASSURANCE SOCIALE; AM; AFFILIATION; ASSURANCE COLLECTIVE; CONTRAT D'ASSURANCE; ASSU

Normes

LAMAL.7

Résumé

Une convention collective de travail ne peut obliger un travailleur à s'assurer auprès d'une caisse-maladie déterminée car l'art. 7 LAMAL garanti le libre choix de l'assureur. Une convention collective de travail ne peut aller à l'encontre du principe fondamental de la LAMal qu'est le libre choix de l'assureur, en obligeant le travailleur à conclure un contrat d'assurance avec une caisse-maladie particulière.

Schlagwörter

social insurancehealth insurancecollective agreementfree choiceinsureraffiliation

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Von Omnilex extrahierte Kernrechtsfragen

Kernrechtsfrage

Whether a collective labor agreement may require an employee to take out health insurance with a designated insurer.

Extrahierter Entscheid

No. The employee retains the free choice of insurer under Art. 7 LAMal, and a collective agreement cannot override that principle.

Extrahierte Begründung

The court treated the free choice of insurer as a fundamental rule of compulsory health insurance. A collective labor agreement cannot validly impose a contractual relationship with a particular health insurer.

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