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). Due to the rising cost of benefits, there may be adjustments to premiums from 2027. In addition to this, other factors and legal provisions can also affect individual premiums.
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. This is stipulated by the Federal Law on Sickness Insurance (KVG). The following years will be affected by changes in age brackets from 2027 onwards:
- 2008: from 2027 Young Adult premium category (previously: Children)
- 2001: from 2027 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 2027 onwards:
- 2023: various dental variations
- 2021: various dental variations
- 2016: various dental variations
- 2011: dental piccolo
- 2006: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance compensa
- 2001: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance compensa
- 1999: salto
- 1996 etc.: various dental variations, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance compensa in five-year intervals
Product categories
Under the general supplement and private supplement supplementary outpatient insurance schemes, policyholders will benefit from a reduction in premiums in 2027. At plus (without natura), premium (without natura) and praevention, however, premiums will have to be increased as a result of rising healthcare costs. For other types of supplementary insurance for outpatients, premiums remain unchanged.
Under the kombi allgemein supplementary hospital insurance plan, policyholders will benefit from a reduction in premiums in 2027. For other types of supplementary hospitalinsurance, premiums remain unchanged.
Premiums for all upgrade products remain unchanged in 2027.
Discounts
For supplementary insurance with a no claims discount, the following applies: If a policyholder claims benefits, their individual no-claims bonus can be reduced or cancelled. If, however, they have not claimed any benefits over a certain period, the no-benefit discount is increased again.
Note: Since 2016, it has no longer been possible to take out supplementary hospitalisation insurance with a no-claims bonus.
Sympany offers its customers various preferential terms.