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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.

Sympany basic insurance at a glance

casamed pharm

Pharmacy model: 400 times the help with no appointments or waiting times.

If you’re ill, always visit a Sympany partner pharmacy or call the Medgate telemedicine centre first.

Read more

callmed 24

Telmed model: our popular health insurance savings model.

If you’re ill, call the Medgate telemedicine centre first.

Read more

casamed hmo

HMO model: a whole team to look after you.

If you’re ill, go to your HMO centre first.

Read more

casamed family doctor

Family doctor model: the family favourite.

If you’re ill, always go to your chosen family doctor first.

Read more


Telmed/HMO model: double support.

If you’re ill, always visit a flexhelp24-affiliated HMO practice or call the Medgate telemedicine centre first.

Read more


Choose your own doctor: You decide – anywhere in Switzerland.

If you’re ill, go straight to your family doctor, a specialist or a hospital.

Read more


Statutory health insurance for border commuters: protecting border commuters transnationally.

When you’re ill, you can be treated in either Switzerland or your country of residence.

Read more

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
AmPuls Label survey customer satisfaction, third place for Sympany

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