Information for policyholders resident abroad
euroline – basic insurance in accordance with the KVG
Due to the rising cost of benefits, there will be a premium increase from 2024. In addition to this, other factors and legal provisions can also affect individual premiums.
Previously, Sympany has been able to curb premium increases thanks to a voluntary reduction of reserves. Now, however, we need to increase premiums again to a level which will enable us to cover costs.
In the case of euroline Germany, 2024’s premium will increase by CHF 25.40 compared to last year to CHF 219.50 per month (adults aged 26 and over, without accident cover).
euroline policyholders under the age of 19 will benefit from a premium discount of 75%. The young person’s discount for euroline Germany (from 19 up to and including 25 years of age) is 20%. A single premium rate applies from the age of 26 with euroline. Moving up to the next age bracket results in premium increases. The following years will be affected by changes in age brackets from 2024 onwards:
- 2005: from 2024 Young Adult premium category (previously: Children)
- 1998: from 2024 Adult premium category (previously: Young Adult)
With euroline, you are insured in both Switzerland and your country of residence and can visit a doctor in both countries. euroline allows you to access medical treatment in Switzerland and your home country.
The statutory benefits list (in accordance with the KVG) applies in Switzerland and the statutory benefits list for benefits in kind valid in your country of residence applies there.
Example for Germany – when taking out a policy, select statutory health insurance in Germany. Sympany will contact the insurance company in question. You will then receive an insurance card from your statutory health insurance provider. When seeking treatment in Germany, you are entitled to all benefits in kind in line with the statutory benefits list.
When seeking treatment in your country of residence, the statutory compulsory benefits and cost contribution regulations of the country of residence apply. The costs are settled in exactly the same way as you are used to in your country of residence from your statutory health insurance provider.
German service providers, for example doctors, physiotherapists and hospitals, settle your bill with the German insurance provider directly. You will not receive an invoice for compulsory benefits. You will, however, be charged an additional fee for any medication and a daily flat rate for stays in hospital.
In France, the costs are shared: the CMU pays one portion and you pay your own portion for each round of treatment.
When seeking treatment in Switzerland, you can enjoy all of the benefits of mandatory health insurance in Switzerland in accordance with Swiss basic insurance pursuant to the KVG. You can choose your own doctor and, if necessary, go straight to a specialist, without a referral.
For euroline policyholders: eedoctors, the virtual family doctor practice
Don’t have a family doctor in Switzerland? With Sympany, that’s no problem! euroline policyholders can always contact the eedoctors virtual family doctor practice using their smartphone. Regardless of location and without an appointment, with a medical certificate, e-prescription or referral.
mondial – basic insurance in accordance with the VVG
In 2024 the premiums will remain unchanged.
Moving to the next age bracket may result in premium increases. People normally change age bracket in five-year intervals. The following years will be affected by changes in age brackets from 2024 onwards:
- Born in 2005: premium category ‘young adults’ (previously: ‘children’)
- Born in 1998: premium category ‘adults’ (previously: ‘young adults’)
- Born between 1954 and 1993 in five-year intervals
- Born in 1953 or before: no more changes in age brackets
Obligatory health insurance in Switzerland does not include care services. Neither does mondial insurance in accordance with the VVG. German border commuters are therefore required to take out private care insurance in their country of residence.