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Compulsory Swiss basic insurance from your health insurance provider: the same benefits for everyone

Whether it’s illness, accident or maternity – any comparison of health insurance providers soon shows that the standard benefits of all basic insurance models are identical throughout Switzerland. That is required by law. Sympany covers all the benefits of compulsory basic insurance. You will bear a small and limited proportion of the costs yourself in accordance with the law. If you increase your personal share, your health insurance premiums will decrease.

More information on cost contribution

Save on additional health insurance premiums?
In place of the classic model, you can choose one of our advantageous and very popular savings schemes with premium discount.

A comparison of Sympany’s basic insurance policies

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
euroline
Border commuters
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
Premium discount
None
First contact
First contact
Sympany partner practice or Medgate telephone/video consultation or the Medgate app
First contact
HMO centre
First contact
Family doctor practice
First contact
Sympany partner pharmacy or Medgate telephone/video consultation or the Medgate app
First contact
Medgate telephone/video consultation or the Medgate app
First contact
Free choice of doctor
First contact
Free choice of doctor in Switzerland
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
Choice of doctor
Free choice of doctor
Advantages
Advantages
Flexible medical care with no long waiting times
Advantages
General practitioners and specialists all under one roof
Advantages
Your family doctor practice knows you and your family
Advantages
400 times the help with no appointments or waiting times
Advantages
Medical assistance 24 hours a day, seven days a week
Advantages
Unrestricted access to a medical practice of your choice – throughout Switzerland
Advantages
Optimum insurance cover in your country of residence and in Switzerland

Small and large extras tailored to your wishes: supplementary insurance

This could involve a particularly high level of cover or even medication not covered by statutory health insurance. And perhaps you value the highest possible level of comfort in hospital. Sympany health insurance can provide customised offers for all your requirements.

Supplementary hospital insurance

Choose your hospital and more, just how you like it.
 

Supplementary outpatient insurance

The supplementary insurance for preventative measures and popular extras.

Supplementary dental insurance

Minimal dental costs, the best benefits.

 

What’s included in compulsory basic insurance?

We are happy to advise you! But how much detail are we able to provide you with?

You can find a summary of the most important information here >

You can also find a more detailed benefit overview in this PDF >

And for those who want to know absolutely everything, you can find our General Terms and Conditions of Insurance here >

According to the law, your excess is the maximum annual contribution you’ll have to pay yourself for treatment costs. For adults, this is CHF 300 per year (children access treatment for free). If you increase your excess, your premiums will decrease.

For additional yearly treatment costs (higher than the excess), the deductible shall apply. In this case, Sympany will pay 90% of the costs. You will bear 10% of the costs, but only up to a maximum of CHF 700 per year (children: CHF 350 per year). For any additional benefits, you no longer pay any deductible (as part of your treatment costs package).

More information on cost contribution >

In principle, yes. The exception: if you work for the same employer for at least eight hours per week, you are insured for occupational and non-occupational accidents with them. You can therefore exclude accident risk from your compulsory basic insurance while you are employed. Your premium will then reduce by 7%.

Your advantages at Sympany

  • Accident, illness and property insurance – everything from a single provider
  • You can get a refund if the cost of medical treatment ends up being much lower than anticipated when setting premiums
  • mySympany – paperless insurance: submit invoices, access documents, keep track
  • Personal consultation and unbureaucratic service
Comparis label survey customer satisfaction, result 5,0 "good" for Sympany
Moneyland label survey customer satisfaction, result 8.1 very good for Sympany

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