Hernán Calderón, presidente de Conadecus, advierte que hay riesgo de que se produzca un acuerdo entre autoridades y Congreso, para favorecer a las isapres con una ley corta que perdone a la industria de las isapres por el cobro ilegal de cotizaciones, calculado sobre la base de tablas discriminatorias, desde abril de 2020
Edison Ortiz
El Regionalista, conversó con el emblemático presidente de la Corporación Nacional de Consumidores y Usuarios (Conadecus), sobre el último escándalo de la isapres: su intento por evitar pagar a los usuarios el sobre cobro en la aplicación de tablas discriminatorias, que dictaminó la Corte Suprema y que la Superintendencia de Salud no ha viabilizado. Para prevenirlo, llamó a consumidores y organizaciones sociales a estar alerta y hacer cumplir lo que estableció la justicia: que las isapres devuelvan lo cobrado ilegalmente desde abril de 2020 hasta ahora.
¿Cómo se origina la deuda de las isapres con sus afiliados?
Se origina porque el Tribunal constitucional (TC) dictaminó en 2019 que estas instituciones no podían aplicar tablas discriminatorias, sino una sola y uniforme y esto fue ratificado luego por la Corte Suprema (CS), instancia que dio seis meses de plazo para que entrara en vigencia, lo que ocurrió en abril de 2020. Sin embargo, las isapres siguieron aplicando tablas discriminatorias para el cobro de los planes base a sus usuarios. Por ejemplo, continuaron aplicando tablas discriminatorias a personas por sobre los 55 años, en especial a mujeres les aplicaron tablas de 2,4 UF, en tanto que la CS había fijado un tope de 1,4 UF, incumpliendo abiertamente la decisión judicial, lo que reflejó una grave irregularidad de la Superintendencia de Salud. Ello, obviando que la propia Corte Suprema ya había dictaminado la prescripción para el período 2010-2020 y mandató devolver el sobre cobro desde abril de 2020 hasta hoy.
Cuando uno escucha o ve noticias, observa que la prensa pone el ojo en los líos amorosos de una diputada, en la farándula en la que está transformada hoy la política, en la delincuencia de barrio, pero nada dice sobre los ladrones de cuello y corbata. A lo más se señala que se está intentando aprobar una ley corta sobre el tema pero no se explicita que este es “un portonazo” a nuestros ingresos…
Exactamente. Eso fue lo que nos llevó a nosotros, Conadecus, a apurar el lanzamiento de la web www.deudaisapre.cl, donde la gente con datos básicos; su RUN, el precio base de su plan calculado en UF y el factor asociado a su plan, puede calcular el monto que le debe devolver la Isapre. Y tenemos casos que son para un prontuario del robo y el abuso. Por ejemplo, un caso en que ha cobrado de más quince millones de pesos en estos dos años. O el caso de una mujer que tiene 49 años, es mamá y profesional con la carga de un hijo, a quien le han aplicado una tabla de 2,76 UF, cuando en realidad tendrían que haberle aplicado lo que dictaminó la Corte, es decir 1,4 UF. Ella, en vez de pagar $140.000 paga $240.000, es decir le han estado metiendo la mano al bolsillo con $100. 000 todos los meses y por ese motivo la isapre debiera devolverle 3 millones de pesos.
Hay otro caso de un adulto mayor, que paga $ 406.000 mensuales, a quien le han aplicado una tabla de 4,7 lo que le subió su plan a $800.000 y eso no está permitido. Sobre todo, en adultos mayores es donde el robo es más evidente.
Esto es un tema gravísimo sobre todo para las mujeres que son adultas mayores. El fallo del TC y la CS terminó con esa arbitrariedad, pero las isapres, a vista y paciencia de la superintendencia, continúan.
Efectivamente es una “apropiación indebida”, le metieron la mano al bolsillo a sus clientes y pese a haber dos pronunciamientos, ellas no quieren pagar y levantan el pretexto de la posible quiebra. Lo más grave es que nadie levantó la voz y la Superintendencia es la principal responsable, porque es el órgano fiscalizador que debió haber regulado que el mercado funcionará adecuadamente, pero “se hace el loco” y no exige la aplicación los pronunciamientos del TC y la CS. Tuvo que salir el fallo para que recién se empezara a hablar del robo que, no se confunda, no son excesos, ni excedentes, es dinero cobrado de más y de manera ilegal, a los usuarios de estas instituciones.
La Justicia estableció el mes de mayo de este año para que las isapres hicieran la devolución del cobro ilegal de abril de 2020 hasta el presente. Ya ellas fueron beneficiadas con la condonación por prescripción entre 2010-2020, mínimo es que paguen esto a sus usuarios.
¿Qué pasos dará CONADECUS?
Nosotros como asociación de consumidores vamos a estar atentos y vigilantes para que los dineros mal habidos sean devueltos a los usuarios de las isapres. No vamos a aceptar un acuerdo transversal espurio para que no paguen lo que sacaron de los bolsillos de sus clientes.
Por eso, llamamos a la ciudadanía para que haga el ejercicio de calcular en la página cuánto le deben, hacer campaña por redes sociales, poner el tema en la opinión pública, si no corremos el riesgo que se acuerde la condonación. La ciudadanía está cansada de los abusos permanentes de estas instituciones, de una Superintendencia capturada por quienes debieran ser los regulados y fiscalizados. Reitero el llamado a la ciudadanía a ingresar a la plataforma www.deudaisapre.cl, o también a través de Conadecus, para que calculen con un mecanismo muy simple cuánto le robó su Isapre.
Se sabe que el gobierno actual está buscando un acuerdo para una ley corta que puede concluir beneficiando a las isapres…
Pienso que el gobierno debe ponerse del lado de los ciudadanos, que mandate al órgano regulador –la Superintendencia de Salud– que cumpla con el dictamen de la Corte Suprema en torno a restituir esos dineros a quienes realmente les pertenece: sus usuarios. Nosotros como Conadecus le hemos pedido a la Superintendencia esto, pero a cambio, hemos recibido insultos. La isapre sabe perfectamente cuánto le debe a cada usuario, le pedimos a la isapre que desde ya informe a cada usuario el monto de la deuda y la fecha en que lo restituirá. La Super no ha hecho su pega, ha sido negligente. Lo que se evidencia nuevamente en este caso es la captura del ente regulador.
Yo sé perfectamente que hay un montón de diputados y senadores, y el propio gobierno, intentando acordar una ley corta que salve a las isapres, pero desde ya les queremos decir que no lo van a lograr. Nosotros estaremos informando frecuentemente a la ciudadanía y que esta lo haga circular por redes sociales y que haga el ejercicio en la web de saber en cuánto dinero le metieron la mano al bolsillo.
120 comentarios en ““Las isapres nos metieron la mano al bolsillo y hoy hay un intento por que el robo lo paguemos nosotros”.”
Escuché declarar a un representante de las Isapres que la devolución correspondía 140.000 millones de dólares, lo que representaba más de todas las utilidades obtenidas por las Isapres desde su inicio hasta el 2020. La pregunta que me surgió es si consiguieron en tres años estafar a los usuarios en esa cantidad. O es un modo de justificar el no pago, asustando con el quiebre del sistema, o es efectivo que en tres años robaron más que en cincuenta. O es muy tonto lo que digo?
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снятся девочки близняшки убрать
порчу с семьи в домашних условиях
les médicaments sont-ils disponibles à la vente en ligne
? zydus Asnières-sur-Seine disponibilidad de medicamentos en México
waar medicijnen kopen Genericon Angri comprar medicamentos en España de manera legal
29 ноября 2004 года какой знак зодиака карты таро lo scarabeo до
того таро значение действия человека
молитва ребенка перед сном для
успокоения для чего оберег из кофе
позвонит ли он гадание дзен видеть
себя в свадебном платье
во сне для вдовы, пожилой женщине видеть себя
в свадебном платье гороскоп на 21 число весы
характеристика личности по таро манара самые
короткие молитвы вечерние
médicaments en vente libre ranbaxy Candelaria Acheter médicaments sans attente
acheter médicaments en suisse Angenerico La Vega médicaments authentique disponible en ligne
Medikamente in Italien kaufen edigen San Juan del Río
médicaments à bas prix
кешірім сұрау және қайтару туралы қастандық,
сотқа дейінгі тергеп-тексерулердің бірыңғай тізілімі жай бөлшектерді және аралас сандарды
көбейту слайд, жай бөлшектерді оқу және жазу слайд мұздық көлдер мысал, көлдер мен
мұздықтар ұқсастығы с1 категория казахстан, категория с1 на чем можно ездить
спящий человек сонник гадание
на пол будущего ребенка по нитке
и иголке таро ворон смерти отзывы, таро ворон смерти для чего
сонник носить на руках бывшую снится девушка со
светлыми волосами