By increasing your annual franchise you can save up to 50% on your basic insurance premium.
Under the Law on Health Insurance (KVG), if costs for a doctor, hospital treatment or medication are payable, the policyholders must themselves first assume part of these costs in each calendar year. This initial cost contribution is known as the annual franchise.Where the costs exceed the agreed franchise in a calendar year, the health insurance assumes 90% of the additional costs. (10% deductible is payable by the insured).
A change of franchise can only occur at the beginning of the relevant calendar year.
e-agency: Change franchise
Premium saving models
Sympany is a committed, leading health insurer in Managed Care. You too can benefit from the large potential savings offered by these three alternative insurance models.
Suspension in the event of extended military service
If you have performed at least 60 consecutive days of service (military, civilian, Red Cross or civil defence service), you can claim a refund for the insurance premiums for this time.
Individuals and families on low incomes can claim a reduction in their health insurance, premiums in the canton where they live.
Office in your canton of residence