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Sometimes, the costs for medical and hospital services turn out to be lower overall than the premiums paid. This results in the insurance company accumulating surpluses. We pay these surpluses back to our customers. That’s fair.
During the first lockdown in 2020, hospitals were unable to perform many planned operations. For Sympany, this led to a significant drop in the costs generated under supplementary hospital insurance – and to a historically high surplus.
This money belongs to the policyholders. That’s why, in May 2021, we paid back the share of premiums that wasn’t required to our customers with supplementary hospital insurance, amounting to over CHF 23 million in total.
The amount individuals receive varies.
A premium surplus was only generated in connection with supplementary hospital insurance, not supplementary outpatient insurance. And costs under basic insurance were higher as a result of coronavirus treatments, which was to be expected.
This is why only policyholders with certain types of supplementary hospital insurance will get a refund. The amounts vary according to the insurance product and the premium paid. This keeps things fair for everyone. The higher the premium paid, the higher the surplus payment received.
The individual policyholder’s health or the amount of benefits they have received has no influence on the amount of the individual surplus payment.
The following supplementary hospital insurances are eligible:
No. There is no direct relationship between individual health and the amount of money each person receives. The following principle applies: the higher the premium paid, the higher the surplus payment received.
Costs under supplementary hospital insurance continue to rise.
The graph shows that costs under supplementary hospital insurance were at the expected level after the spring 2020 lockdown. This is why a refund is the right way to go. If the premiums were to be permanently lowered, it would not be possible to cover the costs incurred.
No, but fairness comes first.
As a fair insurance company, Sympany believes its customers are entitled to this money.
Surplus payments are refunds. Every insurer estimates far in advance how high they will need to set their premiums in order to cover healthcare costs. If the actual amount they pay for doctors, hospitals, medication and treatments then turns out to be lower, they are left with a surplus.
To keep things fair for everyone, Sympany repays these unused premiums to the corresponding policyholders in the following year. For supplementary insurance, the surpluses are paid per insurance product, provided there is a surplus on the respective income statement.
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