Register / franchise / reimboursement / accident / overview costs benefits / others..
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| Accident cover | The insurance certificate states how you are insured in the event of an accident. Only employed persons who work at least 8 hours a week may exclude accident cover from the basic insurance and have their premiums reduced accordingly. |
| Basic insurance | The basic insurance is equivalent to the compulsory health insurance. The benefits are exactly determined by the Law on Health Insurance (KVG). They are the same for all health insurance policies. The insurance covers:
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| Border commuters | In principle, border commuters from the European Union must take out health insurance in Switzerland. Border commuters from Germany, Italy and Austria can, however, opt out of this social insurance obligation and arrange private insurance. With mondial, Sympany offers appropriate insurance under the VVG that perfectly meets the needs of border commuters. |
| casamed | casamed: casamed is an insurance offer where the insured can take advantage of lower premiums without suffering any deficiency in medical care. Depending upon the region, up to three systems are available:
The product casamed 24 has been renamed to callmed 24 |
| classic | With the 8 solid classic products available in the classic line, you can enjoy an unlimited choice of doctor and the best benefits at attractive premiums. classic |
| Club | Sympany policyholders automatically enjoy the attractive benefits of the SympanyClub. SympanyClub |
| comfort | comfort offers those with general insurance a low-cost hospital stay with the comfort of a one or two-bed room. This offer of more privacy is valid in all comfort contract hospitals. |
| compensa | The loss of earnings insurance for individuals is intended to cover financial losses due to incapacity to work caused by illness, accident or birth. The insurance is for:
compensa is available in the following variants: daily allowance in the event of illness, daily allowance in the event of accident or daily allowance in the event of illness and accident. |
| Cost contribution | In accordance with federal regulations, persons with basic insurance must make a contribution to the costs of medical treatment, hospital stays and medications. For adults the cost contribution consists of the annual franchise and deductible, while for children with no increased franchise it consists only of the deductible. By increasing your annual franchise you can save up to 50% on your basic insurance premium. e-agency: Change franchise |
| Deductible | Where the costs of outpatient and inpatient treatment exceed the agreed annual franchise for the calendar year, the health insurance assumes 90% of the additional costs. The remaining 10%, i.e. the deductible, is payable by the insured. The maximum contribution per year is CHF 700 for adults and CHF 350 for children. In addition, CHF 10 is billed per hospital day to persons who are not liable for maintenance (from the age of 18). |
| Discounts | Save with discounts |
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| flex | flex gives you the freedom to select the hospital ward (general, semi-private, private) immediately before your admission to hospital. An appropriate cost contribution for the additional hospital costs of treatment in semi-private or private hospital wards is charged: this is however clearly limited and can therefore be calculated. flex also offers the same additional benefits as semi-private (increased contributions to alternative medicine, corrective dental treatment, glasses and household assistance). |
| GIP | The General Insurance Provisions (GIP) govern the insurance relationship between Sympany and the insured where this is not governed by law or where the details have been amended. |
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| Health declaration | A comprehensive health declaration is required to take out supplementary insurance. The health declaration must be completed truthfully. Incorrect data may result in the refusal or restriction of benefits, benefits being reclaimed, subsequent restrictions and/or subsequent refusal, or exclusion or withdrawal on the part of the insurer. |
| HMO and family doctor system | casamed: casamed is an insurance offer where the insured can take advantage of lower premiums without suffering any deficiency in medical care. Depending upon the region, up to three systems are available: callmed 24 casamed family doctor casamed hmo I want to request a casamed quote |
| HMO | Health Maintenance Organization (Gesundheitserhaltungsorganisation). |
| KVG (Federal Law on Health Insurance) | The new KVG was accepted on 4 December 1994 by the people and cantons and came into force on 1 January 1996. It replaced the previous law dating from 1911. Among other things it contained the following reforms:
The supervisory body is the Federal Office of Public Health (BAG). |
| Loss of earnings | Loss of earnings means losses or reductions in pay due to incapacity to work. Loss of earnings insurance permits enterprises to cover the continuation of their wage payment obligations to employees who are unable to work as a result of illness. Individuals, i.e. the self-employed, employees (for that part of the salary not insured by their employer), heads of household, male or female and persons in education can take out compensa insurance to provide a daily allowance to cover financial losses due to illness or accident. |
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| Medical care costs | Costs arising from medical treatment, therapies, medications, hospital stays, care, patient transportation, appliances, health cures, prevention, etc. Sympany offers the right medical care costs insurance for every requirement. |
| Notice periods | The statutory basic health insurance can be terminated with a 3-month period of notice to the end of June or the end of December. In the event of premium increases, which must be announced two months in advance, the insurance can be terminated within 30 days to the end of the following month. are applicable. Normally supplementary insurance may be terminated under the VVG (private insurance law) with a 3-month period of notice to the end of the calendar year. In the event of premium increases, the insurance can usually be terminated within 30 days to the end of the following month. |
| Packages | The Sympany product offer is clearly arranged into packages. This ensures that no insurance gaps can develop. The choice of the appropriate package depends mainly on the decision regarding
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| Policy for private customers | Your Sympany insurance policy states how you are insured and how high your premium is. Keep the policy safe. |
| Präventio | Sympany Präventio: The exciting Sympany leisure programme offers a wide range of courses featuring sport, wellness, adventure and nutrition. Sympany policyholders can take advantage of the low prices. |
| Premium calculation | The premiums depend on age and also vary according to different regional costs and, to a certain extent, also according to gender. The premiums for the respective place of residence apply. |
| Protection against termination | In its medical care costs supplementary insurance, Sympany expressly waives its right under the Law on Insurance Contracts (VVG) to terminate the contract in the event of loss as well as to the right not to extend the contract further in the event of a bad claims history. |
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| Resident abroad | When living abroad you can further insure yourself for up to a maximum of six years with Sympany by means of mondial insurance. |
| Savings | Save on your health insurance Save on medications |
| Supplementary insurance | Since the introduction of the new Law on Health Insurance (KVG), voluntary medical care costs supplementary insurance is subject to the Law on Insurance Contracts (VVG) rather than the Law on Social Security. Sympany calculates the premiums using the partial solidarity principle. |
| Tarmed | A price system between health insurers and doctors’ organisations for the uniform billing of outpatient medical benefits. |
| UVG (accident insurance) | UVG (accident insurance):
It also provides: care and in-kind benefits (therapy, necessary appliances, travel and transport costs)
The employer is liable for the entire premium amount. Premiums for the insurance of non-occupational accidents (NBU) can be charged to both employer and employee. All enterprises not covered by the Swiss Accident Insurance Fund (SUVA) may request such insurance protection from Sympany. Employers and self-employed persons can take out this insurance on a voluntary basis under the UVG provisions. |
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| VVG (Law on Insurance Contracts) | The Law on Insurance Contracts (VVG). This regulates the insurance contracts for private insurance. This includes:
The supervisory authority is the Federal Office of Private Insurance. |
