Information for policyholders resident in Switzerland

Policyholders resident in Switzerland will find here information about their basic health insurance in accordance with the Federal Act on Health Insurance (KVG) and their supplementary medical insurance in accordance with the Federal Act on Insurance Policies (VVG).

Sympany basic health insurance in accordance with the KVG


Insurance models

casamed pharm

Pharmacy model

Depending on your canton of residence or premium region, you pay up to 16% less in premiums for the pharmacy model than for the free choice of doctor model.

casamed pharm >

callmed 24

Telemedicine model

Depending on your canton of residence or premium region, you pay up to 15% less in premiums for the telemedicine model than for the free choice of doctor model.

callmed 24 >

casamed hmo

HMO model

Depending on your canton of residence or premium region, you pay up to 17% less in premiums for the HMO model than for the free choice of doctor model.

casamed hmo >

casamed family doctor

Family doctor model

Depending on your canton of residence or premium region, you pay up to 12% less in premiums for the family doctor model than for the free choice of doctor model. Due to the rising cost of benefits, the discounts are having to be reduced in some regions.

casamed family doctor  >

eedoctors: new for all casamed family doctor customers
Are you ill but can’t get an appointment with your family doctor? casamed family doctor policyholders can now always contact the eedoctors virtual family doctor practice using their smartphone. Without an appointment and regardless of location, with a medical certificate, e-prescription or referral.

Find out more >

flexhelp24

Combined Telemedicine/HMO model

Depending on your canton of residence or premium region, you pay up to 18% less in premiums for the telemedicine/HMO model than for the free choice of doctor model.

flexhelp24 >

classic

Free choice of doctor model

This model lets you choose your own doctor anywhere in Switzerland.

classic >

Change in age brackets

Policyholders under the age of 19 can benefit from a children’s discount on basic insurance. Young adults under 26 receive a young person’s discount. Moving to the next age bracket leads to changes to premiums. The following years will be affected by changes in age brackets from 2019 onwards:

  • 2000: from 2019 Young Adult premium category (previously: Children)
  • 1993: from 2019 Adult premium category (previously: Young Adult)

Sympany supplementary medical insurance in accordance with the VVG


Change in age brackets

When moving to a new age bracket, the premiums for supplementary insurance are also adjusted. The following years will be affected by changes in age brackets from 2019 onwards:

  • 2015: various dental products
  • 2016: various dental products
  • 2008: various dental products
  • 2003: dental piccolo
  • 2000: various dental products, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance
  • 1993: various dental products, all outpatient and inpatient supplementary medical insurance products, daily allowance insurance
  • 1991: salto
  • 1988 etc.: various dental products in five-year intervals


Product categories

Supplementary outpatient insurance

In 2019, the premiums for all outpatient supplementary insurance policies will remain unchanged. This is pleasing and can be attributed to the benefit costs not rising last year.

Supplementary inpatient insurance

Due to the rising cost of benefits, premiums for hospita flex for age groups 61 and upwards and for kombi privat are having to be adjusted.

No adjustments will be made to any other inpatient supplements.

Discounts

No-claims bonuses

Sympany offers versions of the hospita, salto and compensa supplementary insurance policies with a no-claims bonus. If a policyholder claims benefits again, their individual no-claims bonus lapses. If, however, they have not claimed any benefits for three years in succession, they will be allocated to another tier in the bonus system.

Discounts in framework agreements (collective agreements)

Framework agreements within supplementary insurance will be regularly reviewed by the Swiss Financial Market Supervisory Authority FINMA. Existing discounts on framework agreements – for example with employers, sports clubs and associations – which no longer fulfil statutory criteria may no longer be applied. Therefore, from 1 January 2019, there will be no more framework agreement discounts at Sympany.

Other discounts

Sympany offers its customers various preferential terms.

Discounts >

Do you have any questions? Contact us!

+41 58 262 42 00

or use the contact form