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When you turn 18, you have your whole life ahead of you. So you can enjoy it to the full, your health insurer Sympany makes it easy for you. What will change? What are the options? Find the answers here.
Admittedly, there are nicer presents but, to mark your birthday, Sympany will give you your own policy when you want it. Until now, you were included on your mother or father’s policy. When you ask Customer Services to split your policy, from the next invoice date you will receive your own policy and all the related correspondence.
From you 18th birthday, you take charge of your own life – and that means your health insurance, too. Until now, you needed your parents’ permission for many things. Now, the reverse is true: to obtain information about your insurance, your parents need you to give them power of attorney.
Until now, your parents paid your premiums. Once you have your own policy, the premiums will be invoiced to you monthly, unless you set a different payment schedule. How to pay your invoices >
In Switzerland, health insurance is paid for by premiums which, like rent, are always paid in advance. The amount of the premiums depends on your age and place of residence as well as healthcare costs.
Been to the doctor? Benefit statement
Essentially, basic insurance covers medical treatment and medications. However, you pay some of the costs yourself, as required by law. Therefore, after each treatment or prescription, you will receive a benefit statement from Sympany. The current status of your cost contribution is always shown on this statement, and can be seen in mySympany.
You will often get money back from Sympany, such as reimbursements of invoices paid by you or of surplus payments. To obtain reimbursements, please tell us your account details using the online form or mySympany. Otherwise, you will receive a cheque for payouts and will incur charges when you present this for payment at the post office counter. Please note that the account with the details you provide must belong to you. We cannot make payments into the account of either of your parents or any other person.
In January, you will receive a cost overview for your tax return, which will list all your invoices processed by Sympany between the date on which the joint policy was split and 31 December. Invoices processed before this will continue to be included in your mother or father’s cost overview. More information >
The law about basic health insurance defines three age groups. When you turn 19, you’ll be classed as a “young adult”, which means your discount will be lower and your premiums will go up. Here are some money-saving tips and discounts to keep your premiums as low as possible:
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:
* Vivao Sympany AG, Kolping Krankenkasse AG
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.
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.
Your premiums will now be invoiced to you, which means: you are responsible for their payment. However, it is up to you who ultimately pays them. To ensure that no premium invoice is overlooked, we recommend setting up a direct debit (LSV). This enables Sympany to debit outstanding premiums from your bank or post office account – or from your parents’ account. More about payment options >
No. If you have completed at least 60 consecutive days of service (military, community or Red Cross service, civil protection), you can request reimbursement of your insurance premiums for that period. To do this, please send us a copy of your call-up for service.
Basic insurance protects you against the high costs of medical treatment and medications in the event of illness, accident and maternity. Nonetheless, there are many good reasons for taking out supplementary insurance. Furthermore, basic insurance does not cover certain services. Also, supplementary insurance provides a level of comfort that is very important when you are ill, such as greater privacy and treatment by a senior consultant at a hospital. Find out about the advantages of Sympany insurance here:
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