Pregnancy brings with it a mix of emotions: great excitement about the future, with some worries thrown in. Questions arise, including when you are arranging insurance. Sympany wants you to enjoy your pregnancy in the most carefree way possible.
Mums-to-be don't pay any franchise or deductible for a whole range of benefits at Sympany. During a normal pregnancy, birth and the mother's recovery period, basic insurance pays the statutory maternity benefits. These include
From the 13th week of pregnancy until eight weeks after the birth, no cost contribution is charged for illness-related treatments either (including complications). For pregnant women aged 35 and over, we pay for an amniocentesis.
An exclusive benefit for mothers and children: No matter which Sympany basic insurance model you choose, you can always contact your gynaecologist or paediatrician directly – no need for a referral.
If you want to have children, it's best to plan your personal insurance before you fall pregnant, so you can cross it off the to-do list. This is particularly important if you want a high level of cover under supplementary insurance because, during pregnancy, it is not usually possible to obtain higher insurance protection. Important information: supplementary insurance operates a waiting period of 270 days for insurance benefits arising from treatments relating to pregnancy.
The premium for your newborn will be free in the month of birth, for both basic and the supplementary insurance. Insurance cover starts from birth. In addition, newborns receive a discounted premium for basic insurance.
When planning a family, consideration should also be given to insurance. Basic insurance can only be changed in specific time frames. If you want to take advantage of supplementary benefits for mothers, you must take out the supplementary insurance before you are pregnant. Sympany recommends the following products:
The basic insurance where your family doctor becomes your most trusted adviser.
Contributions for preventative measures, alternative medicine and medications not covered by statutory insurance.
Supplementary hospital insurance: when you’re admitted, you choose the general, semi-private or private ward.
This isn't necessary. Babies born to parents insured with Sympany are guaranteed to be accepted onto several well-established supplementary insurance plans, without a risk assessment, for up to 3 months after birth, e.g. hospita general, plus and dental. Want more? If you would like higher insurance cover for your baby, you should register your child before the birth.
In principle, you can adjust your insurance protection during pregnancy. However, for supplementary insurance there is a waiting period of 270 days for insurance benefits arising from treatments relating to pregnancy. Please therefore take out the insurance you require early on, to avoid any gaps in your cover.
After ten weeks of breastfeeding, Sympany pays a breastfeeding allowance of CHF 250. The breastfeeding allowance is paid automatically when supplementary outpatient insurance is taken out with Sympany. Sympany also pays for three breastfeeding support sessions under the basic insurance. Hire of a breast pump is also reimbursed at the statutory rates. Your first check-up after the birth is deemed to be a pregnancy-related benefit. Tip: Always check that your doctor has written “maternity” on the invoice. If not, write it on yourself.
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.
Be smart and combine policies to enjoy a discount of up to 10% on your property insurance premiums (car, moto and home products).
Sympany grants children and young people under the age of 19 a basic insurance premium discount of up to 75%.
Children under the age of 19 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.
For the third and each child thereafter, 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.
Individuals and families on a low income are entitled to a reduction in their health insurance premiums in their canton of residence. Read more >
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.
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.
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:
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 300 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.
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