Splitting: make two policies out of one
Would you like to split your insurance policies going forward? We are here to answer any questions you may have about your Sympany insurance policies and help you through the process with a minimum of fuss.
How to notify us of the change
To ask to split your policies, all you need to do is complete the following form and contact us by E-Mail or over the phone. This will allow us to make all necessary changes and replace your current joint policy with separate policies.
Need advice on how to adapt your policies to your new situation? We will be happy to assist you over the phone as well.
- For health insurance advice, please call: +41 58 262 42 00
- For property insurance (vehicle and household contents), please call: +41 58 262 39 70
Frequently asked questions
You can split your policies quickly and easily by filling in the following form and contacting us by E-Mail or over the phone (+41 58 262 42 00). We will then issue your separate policies. Please let us know which individual(s) is (or are) withdrawing from the joint policy. If you haven’t done so yet, you can register here for mySympany as soon as you receive your individual policy.
Please let us know which policy the children should now be insured under. We will require signed confirmation from both parties to be able to create the new policies.
If you do not wish to confirm the policy split in writing, please send us a copy of the court or separation ruling showing who is responsible for childcare.
You can enter your new account details quickly and easily in mySympany. You can also send us your details using the online form. If you haven’t done so yet, you can register here for mySympany as soon as you receive your individual policy.
Basic insurance policyholders can continue to switch insurance models with effect from 1 January. With supplementary insurance, a medical examination is required in order to switch to higher cover. If you receive a positive response, you can switch models on the first day of the following month. You can opt for lower cover every 1 January.
You can check all the deadlines under Switch insurance models >
You will need your own policy once your shared household is dissolved. Whether you need home contents, buildings or liability insurance: Our home household contents insurance lets you tailor your insurance cover to suit your individual needs.
Please report any changes to your car motor insurance policy by e-mail at E-Mail or by calling +41 58 262 45 55. We can also check whether your current insurance cover still meets your requirements on request.
We will be very happy to check that your current insurance policies still meet your needs. You can call us on +41 58 262 42 00.
If your old policy includes tourist (permanent travel health insurance) or protect (protection of patient rights) insurance, these will be incorporated into both parties’ policies in future.
Useful information
Yes, the discount for children and young people under the age of 19 continues to apply after the joint policy has been split.
This depends on whether you change your place of residence as well after the policy split. Your premium may increase or decrease if you move to a different premium region.
Sympany sends premium and benefit statements to the person in whose name the policy was taken out; he/she is responsible for paying those invoices. As soon as the split policies have been issued, each person receives a separate invoice that he/she is responsible for paying.
Register your new addresses quickly and easily via mySympany or using the online form.
Moving to or from Switzerland after a split: What happens with your health insurance?
In Switzerland, the following obligation applies to basic insurance: If you move from abroad to live in Switzerland and work in Switzerland or draw your pension from outside Switzerland, you have to have health insurance in Switzerland.
Basic insurance covers the basic medical needs associated with illness, accidental injury and pregnancy. Voluntary supplementary insurance provides additional cover for outpatient and/or inpatient treatments.
A brief explanation of health insurance and accident insurance in Switzerland >
If you move abroad, compulsory health insurance generally ends at the time of departure from Switzerland. In this case, Sympany only needs the deregistration confirmation from your municipality of residence by E-Mail and will terminate your contract on the day you deregister.
Exceptions
However, due to social security agreements with other countries, there are exceptions for certain groups of people (e.g. pensioners, border commuters, posted workers).
If you are only working abroad for a Swiss company temporarily, you are deemed to be a posted worker. In this case, you can arrange a suspension for almost all supplementary insurance policies. Suspension will put the insurance policies in question on hold for the duration of your stay abroad, but for no longer than six years. This ensures that you will be able to continue the insurance policies at a later date under the same conditions as before your stay abroad. A new health declaration is not required. During your time abroad, you only pay a fraction of your premium.
If you are also working in Switzerland after moving abroad, you are considered a border commuter. Border commuters are required to take out basic health insurance in Switzerland. The euroline insurance policy for border commuters has very favourable terms.
As a rule, you can only continue to take out supplementary health insurance, household contents insurance and vehicle insurance as long as you live in Switzerland.
For more information on emigration, please visit the website of the Federal Department of Foreign Affairs.
If you work in Switzerland, you are required to take out basic health insurance in Switzerland.
The Sympany euroline model is tailored specifically to the needs of border commuters. If you are ill, go to the doctor at your place of residence or work. euroline offers benefits under compulsory basic insurance – with particularly attractive conditions. If both parents are employed in Switzerland, their children can also be covered by euroline insurance.
