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What does the SIS circular say that orders the isapres to comply with the sentence?

This Monday night, and after the short isapres bill was dispatched by Congress, The Superintendency of Health (SIS) issued Circular IF No. 468in which private insurers are instructed apply the Single Table of Factors (TUF) –effective since April 2020- to all contracts with old tables.

Such communication responds to the mandate of the Supreme Court, which also orders the isapres return excess charges (US$ 1,589 million) that they made in the past by increasing the value of their plans.

In this regard, it was indicated that the insurers They must inform their affiliates and affiliates who have contracts prior to April 1, 2020, of the incorporation of the TUF. by email or, if you do not have an email address, by registered letter, no later than next Saturday, August 31.

“We issue the instruction to comply with the implementation of the Single Table of Factors, as of September 1, which allows us to simultaneously apply all the elements included in this regulation approved today, as indicated in the short law. From September then, there will be a single table for all the isapres contracts with their affiliates”, explained the Superintendent of Health, Víctor Torres.

In the communication that each isapre must send, users must be informed the replacement of the table that your plan originally had, with the TUF, which must be attached with the respective explanatory note; the details of the calculation of the price that will be charged to the affiliate from the contribution corresponding to the remuneration for the month of September 2024 and accompany with the Single Notification Form (FUN) Type 3 the “Special Situations” and Type 8 the “Modification of the agreed quote” as appropriate.

From the SIS they also explained that in the case of those affiliated people to those who do not have the final price modified obtained from the application of the TUF, only FUN Type 3 “Special Situations” will be issued, since it does not cause a change in the agreed contribution.

Likewise, in the case of users who, after the application of the TUF the value of their contracts is greater than what they had before of the application of the highest court’s ruling, the FUN must incorporate a box called “Supreme Court ruling difference” that indicates for information purposes the subtraction of that difference from the theoretical final price by application of the TUF.

It should be noted that in relation to the notification that the isapres must make to employers, these They will have until September 10 of this year to report the respective FUN to the entity in charge of paying the contribution.

In the exceptional case of those affiliated persons whose final price obtained from the application of the TUF does not vary, the FUN type 3 that is issued should not be notified to the employer responsible for payment of the contribution.

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