Supplementary insurance

You have supplementary insurance with another health insurer, but you now want to switch and take out supplementary insurance with Sympany. In this case, please fill in the health declaration. The following details are key: Unlike compulsory health insurance, in accordance with Swiss law, all supplementary insurance taken out with any health insurer is done so on a voluntary basis – not only for you, but for your insurer too. Health insurers are not obliged to accept policyholders. Furthermore, the insurance can only be taken out if you are resident in Switzerland.

Here’s a tip that every health insurer should give you openly – we’re delighted that you want to switch your supplementary insurance to Sympany. Please don’t terminate your previous supplementary insurance until you’ve received written confirmation of acceptance from Sympany.

In the case of supplementary insurance under the Federal Law on Insurance Contracts (VVG), the medical insurance risk is assessed by means of a risk assessment in the event of new insurance or a change in cover. This assessment is carried out on the basis of the information provided in the health declaration, which is part of the insurance application. The insurer can reject applications in the interests of the insurance pool or exclude pre-existing illnesses from the insurance cover (exclusion).

You can find all the details of the basic insurance in our benefit overview >​​​​​​​