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Switch insurance models – choose your own benefits

Have your circumstances and desires changed? With Sympany, you can alter your insurance cover so that it’s always right for you. You can find your current health insurance coverage in your physical policy document or in digital form on mySympany >

How and when can I switch my insurance model?

In principle, you can always switch models or change your franchise with effect from 1 January. In both cases, you must comply with the statutory notice periods. No notice period is required if you choose to switch to a higher franchise. All you need to do is provide written notification by the following deadlines:

  • Switching models or moving to a lower franchise: 30 November 2021, 17:00
  • Higher franchise: 31 December 2021, 17:00


If you are insured under the standard model (free choice of doctor and a franchise of CHF 300), you can switch to an alternative insurance model with effect from the first day of the following month.

View basic health insurance policies >


Would you like to adjust your basic health insurance policy?

Our customer service team will be happy to help with your enquiry. You can reach us using our online form, by  or over the phone on +41 58 262 42 00.

You will then receive a quote for your desired insurance policy. Happy with the quote? If so, please complete all of your documents, sign them and send them by or post to Sympany, Peter Merian-Weg 4, 4002 Basel.

You can make the switch to a higher level of cover with effect from the first day of the following month. If you choose to do so, we will require you to submit a new health declaration. Sympany uses this to evaluate the medical insurance risk. As supplementary insurance is voluntary for both parties, Sympany reserves the right to reject applications or exclude pre-existing illnesses from the insurance cover (exclusion).

You can always choose a lower level of cover with effect from 1 January. In doing so, you must formally cancel your higher franchise within the specified notice periods. Sympany does, however, advise against switching to a lower level of cover. We would be happy to advise you over the phone on +41 58 262 42 00 – or you can request to be called back by using our contact form >

View supplementary insurance policies >


Would you like to modify the cover that your supplementary insurance policy provides?

Please contact our customer service team using our online form, by  or over the phone on +41 58 262 42 00.

You will then receive a quote for your desired insurance policy. Happy with the quote? If so, please complete all of your documents, sign them and send them by  or post to Sympany, Peter Merian-Weg 4, 4002 Basel.

When is it worth switching models?

You can shape your basic health insurance policy in the way that’s right for you (for example, you can opt for the Telmed model instead of the HMO model). Doing so can often help you save money on your premiums. Choose from our premium saving models: casamed pharm, callmed 24, casamed hmo, casamed family doctor or flexhelp24.

Or increase your franchise >

Compare all basic health insurance policies >

Choosing a supplementary insurance policy allows you to expand your basic health insurance cover to include additional or higher benefits. Higher cover means higher standards. For example, you’ll get to enjoy a greater level of comfort in hospital or receive higher contributions towards outpatient benefits, including the sports contribution >

Sympany's advice? Don’t switch from a higher to a lower level of cover – and don’t give up an unconditional supplementary insurance policy lightly. We would be happy to advise you over the phone on +41 58 262 42 00 – or you can request to be called back by using our contact form >

Compare all supplementary insurance policies >

Which models are available and which one is right for me?

We all lead different lives. That’s why Sympany offers a wide range of insurance models to suit any circumstances. Compare our basic health insurance and supplementary insurance policies or let us advise you based on your situation:

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