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Simply fair

As a fair health insurer, Sympany believes in the importance of offering affordable premiums. This is why we always repay surpluses and unused reserves back to our policyholders if the costs of medical and hospital services, treatments and medication prove to be lower than expected.

Did you know ...

... that Sympany has been one of the very few health insurers to voluntarily pay back money to its policyholders for years now? In 2021, around 180,000 Sympany policyholders have received a total of CHF 33.1 million back! That means refunds have been credited to 75% of all customers.

Questions and answers on refunds

Yes. We seize every opportunity to keep premiums as low as possible for our customers. This includes a voluntary reduction in basic insurance reserves. Thanks to sufficient reserves, premiums can be calculated to be low from the outset. If all the premium income is not needed to pay for medical services, Sympany applies to the Federal Office of Public Health (FOPH) to voluntarily repay unused reserves to its policyholders.

Yes, Sympany has sufficient reserves to cushion unforeseeable developments and to avoid yo-yo effects in premium development. This means that Sympany can always be a reliable insurance partner for its policyholders.

The high quality of the Swiss healthcare system is based on reliability and stability. Health insurers make a significant contribution to this. Thanks to their reserves, they can pay for medical treatment correctly and on time without exception – especially in the event of unforeseeable events such as the coronavirus pandemic. The reserves therefore offer security for all parties involved: for premium payers, for doctors, for hospitals and treatment facilities.

Only policyholders in those cantons or insurance products where the costs in the previous year were significantly lower than the premiums paid will receive surpluses. All policyholders of a health insurer benefit from the voluntary reduction of reserves.

The law now only permits the repayment of surpluses in basic insurance in extreme exceptional cases. Instead, the Federal Council has simplified the voluntary reduction of reserves. Specifically, the minimum level of reserves has been reduced. This will make it easier for health insurers to fulfil the conditions for a voluntary reduction of reserves.
Surpluses can still be paid out in the case of supplementary insurance.

Sympany will be taking advantage of both options for paying refunds to policyholders going forward.


Repayment of reserves is voluntary and an application must be submitted to the Federal Office of Public Health (FOPH). It is only possible if the reserves do not fall below a minimum level and all the premium income is not required to pay for medical services. If these conditions are met, Sympany applies for voluntary repayment of the unused reserves to its policyholders.

No, that is not the case. However, as required by the Federal Office of Public Health (FOPH), Sympany does have enough reserves to still cover the costs of benefits during difficult times. With the revision of the Health Insurance Supervision Ordinance (KVAV), the Federal Council has now made the voluntary reduction of health insurance reserves easier. Sympany is going to use this new opportunity to reduce unnecessary reserves and return them to policyholders.

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