Surpluses belong to policyholders
When the costs of medical treatment turn out to be lower than expected, this results in a surplus. Sympany refunds this money to its customers.
The last surplus payment from supplementary hospital insurance will be made in 2024. After that, the surplus fund will be empty and dissolved. No more surpluses will be paid out from basic insurance. Instead, Sympany will use the instrument of reserve reduction wherever possible.
