Supplementary insurance

Supplementary insurance is an upgrade to your basic insurance. It provides you with additional benefits that are not included under your compulsory basic insurance.

With supplementary insurance, you have access to extended medical services that are not covered by your basic insurance – such as dental treatment or alternative treatment methods. You also enjoy benefits when receiving treatment, such as access to specialist doctors or a private room in hospital. This kind of insurance policy helps you to save money in the long term, because you save on costs that you would usually have to pay yourself. You can adapt supplementary insurance to your individual needs and select from a range of options.

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No, supplementary insurance is generally not compulsory. Unlike basic insurance, which is a legal obligation in some countries, including Switzerland, supplementary insurance is voluntary. It is up to you to decide whether or not to take out supplementary insurance.

Basic insurance covers the fundamental medical services that are considered essential. Supplementary insurance offers additional benefits that go beyond the scope of basic insurance. They enable insurance cover to be extended on an individual basis and adapted to personal requirements. Individuals can decide for themselves whether they wish to cover additional benefits such as private hospital treatment, dental treatment, alternative medicine and other extras with a supplementary insurance policy.

It is worth exploring the various options and factoring personal requirements into the decision.

The costs of supplementary insurance may vary considerably and depend on a number of factors, including the chosen insurance coverage and the age and state of health of the insured person. It is therefore difficult to give a precise indication of the monthly costs.

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You have supplementary insurance with another health insurer, but you now want to switch and take out supplementary insurance with Sympany. In this case, please fill in the health declaration. The following details are key: Unlike compulsory health insurance, in accordance with Swiss law, all supplementary insurance taken out with any health insurer is done so on a voluntary basis – not only for you, but for your insurer too. Health insurers are not obliged to accept policyholders. Furthermore, the insurance can only be taken out if you are resident in Switzerland.

Here’s a tip that every health insurer should give you openly – we’re delighted that you want to switch your supplementary insurance to Sympany. Please don’t terminate your previous supplementary insurance until you’ve received written confirmation of acceptance from Sympany.

In the case of supplementary insurance under the Federal Law on Insurance Contracts (VVG), the medical insurance risk is assessed by means of a risk assessment in the event of new insurance or a change in cover. This assessment is carried out on the basis of the information provided in the health declaration, which is part of the insurance application. The insurer can reject applications in the interests of the insurance pool or exclude pre-existing illnesses from the insurance cover (exclusion).

You can find all the details of the basic insurance in our benefit overview >​​​​​​​