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?
- You can always switch the model by 30 November and the change will become effective from 1 January. You can make the change yourself in mySympany.
- Those insured under the standard model (with a free choice of doctor) can also always switch to an alternative insurance model (with a limited choice of doctor) with effect from the first of the following month. In this case, please contact our customer service in writing – for example, by a message in mySympany or using the contact form. Important: The current deductible will be retained. Please note the statutory deadlines for a change in the deductible.
Please note: Notification by telephone must be received by Sympany no later than the last working day (Monday to Friday) before the deadline expires at 5 p.m.
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 E-Mail 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 E-Mail 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.
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 >
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. We would be happy to have a personal chat with you: Contact us >
