The website www.sympany.ch cannot be displayed correctly. Please update your browser: https://browsehappy.com

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

flexhelp24
Telmed/HMO model
casamed hmo
HMO model
casamed family doctor
Family doctor model
casamed pharm
Pharmacy model
callmed 24
Telmed model
classic
Free choice of doctor
Premium discount
Premium discount
13 to 17%*
Premium discount
10 to 17%*
Premium discount
 6 to 12%*
Premium discount
8 to 14%*
Premium discount
8 to 14%*
Premium discount
None
Choice of doctor
Choice of doctor
The partner practice/Medgate coordinates all treatment and, if necessary, refers the patient to a family doctor practice, specialist or hospital.
Choice of doctor
The chosen HMO centre coordinates all treatment and, if necessary, refers the patient to a specialist or hospital.
Choice of doctor
The chosen family doctor practice coordinates all treatment and, if necessary, refers the patient to a specialist or hospital.
Choice of doctor
The partner pharmacy/Medgate coordinates all treatment and, if necessary, refers the patient to a family doctor practice, specialist or hospital.
Choice of doctor
Medgate coordinates all treatment and, if necessary, refers the patient to a family doctor practice, specialist or hospital.
Choice of doctor
Free choice of doctor

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.

Discounts >

Do you have any questions? Contact us!

+41 58 262 42 00

or use the contact form

Premium calculator basic insurance

Loading premium calculator...