Age groups in basic insurance and supplementary insurance
Change of age group and premiums
As they get older, policyholders pass through different age groups. These age group changes are required by law and have a significant influence on the amount of the premium. There are three age groups in basic insurance (KVG) and several in supplementary insurance (VVG).
Age groups in basic insurance
Children and adolescents (0–18 years)
The Federal Law on Sickness Insurance stipulates that premiums for children and adolescents must be lower than for adults. Children and adolescents aged 0 to 18 therefore receive a premium discount.
Young adults (19–25 years)
Children up to and including the age of 18 benefit from a children’s discount on basic insurance. From the age of 19, this is converted into a young adult discount. The excess also changes: the children’s excess becomes the adult excess. Where possible, Sympany recommends an excess of CHF 2,500 to young adults in order to keep the premium increase to a minimum. However, when increasing your excess, please remember to keep sufficient financial reserves (including for the deductible) in the event of illness.
Adults (aged 26 and over)
Young adults up to and including the age of 25 benefit from the young adult's discount on basic insurance. From the age of 26, you are considered an adult under the Federal Law on Sickness Insurance and the discount no longer applies. By choosing a suitable insurance model and a higher excess you can still save on your premiums.
Age groups for supplementary insurance
The age of the policyholder also plays a decisive role in setting premiums for supplementary health insurance under the Insurance Contract Act (VVG). In most cases, the age-based rate is used to divide customers into age groups.
Age-based rate
The premium generally changes with the age of the policyholder and the associated risk. For children and adolescents (0-18 years) and young adults (19-25 years), the age groups usually correspond to those of basic insurance. Adults aged 26 and over usually receive a premium increase every five years.
A change in age group takes effect on 1 January of the year in which you reach the starting age of the new age group.
With Kolping products, there are two models for determining the entry premium and the premium progression: age-based rate and entry age rate.
Age-based rate
The premium generally changes with the age of the policyholder and the associated risk. A change in age group takes effect on 1 January of the year in which you reach the starting age of the new age group.
Entry age rate
The premium is based on the age of the policyholder at the time they take out the insurance. They are then set in line with general healthcare costs.
Age groups for supplementary insurance from the former Kolping insurance company >
