Information for policyholders resident in Switzerland
Sympany basic health insurance in accordance with the KVG
Insurance models
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 2022 onwards:
- 2003: from 2022 Young Adult premium category (previously: Children)
- 1996: from 2022 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 2022 onwards:
- 2018: various dental variations
- 2016: various dental variations
- 2011: various dental variations
- 2006: dental piccolo
- 2003: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance
- 1996: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance
- 1994: salto
- 1991 etc.: various dental variations in five-year intervals
Product categories
In 2022, the premiums for outpatient supplementary insurance policies will remain unchanged or will even be reduced. This is pleasing and can be attributed to the benefit costs not rising last year.
In 2022, the premiums for inpatient supplementary insurance policies are not changing at all or are even being reduced.
The premiums of the following products are falling:
- hospita general
- hospita global
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.