Financial support from your canton
Premium reduction
Do you live in modest economic circumstances? You may be entitled to a reduction in your health insurance premiums in your canton of residence.
Read moreSave on your health insurance premiums
Health costs are rising steadily, and so are premiums. Sympany offers you many ways to keep your own premiums as low as possible.
This is how you can save on premiums
Adjust your policy
The deductible has the greatest effect on the premium amount. But even small changes can have a big impact.
This is the amount that you have to pay from your own pocket for your healthcare every year. The health insurance pays 90% of the expenditure above this amount, while your excess is 10%.
The excess is prescribed by law and is up to CHF 700 per year for adults or CHF 350 per year for children.
You choose your own franchise. The rule is: the higher the franchise, the lower the premium. Our tip: choose a franchise that you can easily pay at any time together with the excess.
Reaching the age of majority: at the age of 18, an excess must be chosen for the first time. In order to keep your premiums low, we will suggest an excess of CHF 2,500 in the next policy. This will become valid on 1 January of the year in which you turn 19.
You have a choice of the following franchises:
| Adults | |||||
|---|---|---|---|---|---|
| 300.– | 500.– | 1'000.– | 1'500.– | 2'000.– | 2'500.– |
| Children* | |||||
| 0.– | 200.– | 400.– | 600.– | ||
* Vivao Sympany AG, Kolping Krankenkasse AG
Sympany offers you five different models for your basic health insurance for you to choose from. In the case of these Managed Care models, always get in touch with a pre-determined contact first when you’re ill, for example a pharmacist, your family doctor, the HMO practice or the Medgate telemedical centre.
How premium-saving models work >
If you choose a Managed Care model, you will receive a discount so that you pay much less in premiums than for the free choice of doctor model:
- HMO model casamed hmo, between 10 and 17% discount*
- Family doctor model casamed family doctor, between 6 and 12% discount*
- Pharmacy model casamed pharm, between 9 and 14% discount*
- Telemedicine model callmed 24, between 8 and 14% discount*
- Telmed/practice model flexhelp24, between 14 and 17% discount*
If you work for an employer for at least eight hours per week, you can exclude accident cover from your policy. This reduces your premiums by up to 7%. You are insured by your employer for work-related and non-work-related accidents.
If you undertake military, civilian, Red Cross or civil defence service for 60 or more consecutive days, you do not have to pay premiums for basic insurance in accordance with the Federal Law on Sickness Insurance (KVG). You will be covered by military insurance during your service. However, you will need to comply with the following procedure:
- Notify Sympany approximately 80 days before starting your service by sending us a copy of your notice of being called up – you can do this via mySympany, by E-Mail or by post to Sympany, Peter Merian-Weg 4, CH-4002 Basel.
- Send us confirmation that you have started your service when you join up. You will then not receive any premium invoices for basic insurance in accordance with the Federal Law on Sickness Insurance for the duration of your service.
- If your length of service changes, please send us confirmation from your commander without delay.
Take advantage of discounts
Benefit from discounts for families, for multi-year contracts and for semi-annual or annual premium payments.
Sympany awards a discount to customers who pay their yearly or six-monthly premium in advance. Customers enjoy a 2% discount when paying yearly and a 1% discount when paying every six months.
If you pay your yearly or six-monthly premium in advance, Sympany can reduce the processing time and save on administrative costs. We pass this saving directly onto you as a discount.
Please contact our Customer Services if you would like to receive a discount by paying your premium on a yearly or six-monthly basis in future.
For the third and each child thereafter on the same policy, supplementary medical insurance is free up to the age of 18 if both older siblings are under 26, hold at least the same level of cover at Sympany and share the same household. The premium exemption does not apply to the capita illness product.
Children up to and including the age of 18* are eligible for the family discount if one parent has at least the same level of cover as the child and shares the same household. The family discount is granted on supplementary medical insurance.
* This discount ceases to apply as of 1 January of the calendar year following the 18th birthday.
Enjoy a 10% discount on outpatient* and supplementary hospital insurance* when you take out a three-year insurance policy. Valid for new policies and when switching to a model with higher insurance cover.
* Excludes plus natura, premium natura and hospita private.
Children’s discount and young adult’s discount on basic insurance
Young people pay lower premiums than adults for basic health insurance. All health insurance companies in Switzerland offer the children's discount - the amount, however, differs depending on the health insurance company and premium region. The youth discount is voluntary - not all health insurance companies in Switzerland offer it. Sympany grants the following discounts - automatically and without an application:
- Children’s discount (for children and young people up to and including 18 years*): 72% to 77%.
- Young adult’s discount (for young adults from 19 up to and including 25 years*): 25%.
* These discounts cease to apply as of 1 January of the calendar year following the 18th/25th birthday.
