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Information for policyholders resident in Switzerland

Policyholders resident in Switzerland will find here information about their basic health insurance in accordance with the Federal Act on Health Insurance (KVG) and their supplementary medical insurance in accordance with the Federal Act on Insurance Policies (VVG).

Sympany basic health insurance in accordance with the KVG


Insurance models

Depending on your canton of residence or premium region, you pay between 8 and 14% less in premiums (examples) for the pharmacy model than for the free choice of doctor model.

casamed pharm >

Depending on your canton of residence or premium region, you pay between 8 and 14% less in premiums (examples) for the telemedicine model than for the free choice of doctor model.

callmed 24 >

Depending on your canton of residence or premium region, you pay between 10 and 16% less in premiums (examples) for the HMO model than for the free choice of doctor model.

casamed hmo >

Depending on your canton of residence or premium region, you pay between 5 and 12% less in premiums (examples) for the family doctor model than for the free choice of doctor model. Due to the rising cost of benefits, the discounts are having to be reduced in some regions.

casamed family doctor  >

eedoctors: new for all casamed family doctor customers
Are you ill but can’t get an appointment with your family doctor? casamed family doctor policyholders can always contact the eedoctors virtual family doctor practice using their smartphone. Without an appointment and regardless of location, with a medical certificate, e-prescription or referral.

Find out more >

Depending on your canton of residence or premium region, you pay between 16 and 17% less in premiums (examples) for the telemedicine/HMO model than for the free choice of doctor model.

flexhelp24 >

This model lets you choose your own doctor anywhere in Switzerland.

classic >

Change in age brackets

Policyholders under the age of 19 can benefit from a children’s discount on basic insurance. Young adults under 26 receive a young person’s discount. Moving to the next age bracket leads to changes to premiums. The following years will be affected by changes in age brackets from 2021 onwards:

  • 2002: from 2021 Young Adult premium category (previously: Children)
  • 1995: from 2021 Adult premium category (previously: Young Adult)

Sympany supplementary medical insurance in accordance with the VVG


Change in age brackets

When moving to a new age bracket, the premiums for supplementary insurance are also adjusted. The following years will be affected by changes in age brackets from 2021 onwards:

  • 2017: various dental variations
  • 2015: various dental variations
  • 2010: various dental variations
  • 2005: dental piccolo
  • 2002: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance
  • 1995: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance
  • 1993: salto
  • 1990 etc.: various dental variations in five-year intervals


Product categories 

In 2021, the premiums for all outpatient supplementary insurance policies will remain unchanged. This is pleasing and can be attributed to the benefit costs not rising last year.

Due to the rising cost of benefits, premiums for hospita flex for age groups 61 and upwards have to be adjusted. The premiums are falling for for younger insured persons.

The premiums of the following products are rising:

  • kombi privat

Discounts

Sympany offers versions of the hospita, salto and compensa supplementary insurance policies with a no-claims bonus. If a policyholder claims benefits again, their individual no-claims bonus lapses. If, however, they have not claimed any benefits for three years in succession, they will be allocated to another tier in the bonus system.

Sympany offers its customers various preferential terms.

Discounts >

Do you have any questions? Contact us!

+41 58 262 42 00

or use the contact form

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