Sympany supplementary insurance
All products, benefits and prices compared: 2027 tariffs
317'544
Insured persons
1914
Founded
563
Employees
Basel
Headquarters
About Sympany
Sympany is a Swiss health and accident insurer headquartered in Basel. Its predecessor, the Öffentliche Krankenkasse (ÖKK) Basel, was founded on 1 October 1914; the company has operated under the name Sympany since 2008. The group belongs to the Sympany Foundation (Stiftung Sympany), which holds its stakes through Sympany Holding AG. Basic insurance (KVG) is offered by Vivao Sympany AG, with which Moove Sympany AG and Kolping Krankenkasse AG were merged as of 1 January 2024. The carrier of the supplementary insurance (VVG) is Sympany Versicherungen AG. On 1 January 2026 Sympany had 317,544 private customers, 267,260 of them in basic insurance. Its range includes the outpatient supplementary insurances plus and premium (each also as natura), the hospital supplementary insurances hospita, among them hospita flex and hospita privat unfall, and the dental insurance dental.
SIQT test of health insurers (basic insurance) 2026: test winner among 12 health insurers (August 2026) SIQT Schweizer Branchenmonitor 2026 (online customer ratings), health insurers sector: rank 1 for value for money (July 2026) SIQT test of outpatient supplementary insurance 2025: rank 1 for transparency and convenience, rank 5 of 13 overall (September 2025)
Supplementary insurance from Sympany
15 supplementary insurance plans from Sympany with the 2027 monthly premium for the reference profile: canton of Zurich, age 37, male, with accident cover (where selectable).
| Product | Category | from CHF per month | Contract duration |
|---|---|---|---|
| plus | Outpatient | CHF 22.70 | 3 years |
| plus natura | Outpatient | CHF 46.80 | 3 years |
| premium | Outpatient | CHF 50.40 | 3 years |
| premium natura | Outpatient | CHF 88.80 | 3 years |
| hospita allgemein2 variants | Hospital | CHF 6.40 | 3 years |
| hospita flex mit halbprivat option2 variants | Hospital | CHF 27.80 | 3 years |
| hospita flex mit halbprivat und privat option2 variants | Hospital | CHF 43.70 | 3 years |
| hospita halbprivat2 variants | Hospital | CHF 78.80 | 3 years |
| hospita flex mit privat option2 variants | Hospital | CHF 82.80 | 3 years |
| hospita privat2 variants | Hospital | CHF 132.60 | 3 years |
| hospita global2 variants | Hospital | CHF 138.70 | 3 years |
| dental 50 % / CHF 1'000 | Dental | CHF 26.00 | 3 years |
| dental 75 % / CHF 1'500 | Dental | CHF 47.00 | 3 years |
| dental 75 % / CHF 5'000 | Dental | CHF 96.50 | 3 years |
| hospita privat unfall | Accident | CHF 11.80 | 3 years |
Benefits in detail
15supplementary insurance plans
Outpatient (4) Hospital (7) Dental (3) Accident (1)
Outpatient
Hospital
Dental
Accident
Prices apply to the canton of Zurich, born 1990, male, with accident cover, 3-year contract (where available). The actual premium may vary by your age, canton and insurance start date. Use our comparison calculator for your individual quote.
Premiums 2027, as of 29.09.2026
Strengths
- Basic insurance in six models for people living in Switzerland: classic with free choice of doctor as well as casamed family doctor, casamed hmo, casamed pharm, callmed 24 and flexhelp24; for cross-border commuters also euroline
- Outpatient supplementary insurance plus or premium, each also as natura with higher benefits for alternative medicine (overall limit per calendar year: plus CHF 3,000, plus natura and premium CHF 6,000, premium natura CHF 10,000)
- Hospital supplementary insurance hospita from the general ward with free choice of hospital throughout Switzerland up to the private ward worldwide (hospita global, also for planned treatment abroad)
- hospita flex in three variants: you choose the ward anew for every hospital stay, and the cost share is capped per calendar year
- Dental insurance dental in three levels up to CHF 5,000 per calendar year, for children up to age 3 without premium and without a health assessment
- Orthodontic corrections for children and young people up to age 25: 70% up to CHF 10,000 (plus) or CHF 15,000 (premium), as a rule after 2 years of insurance
Good to know
- Through easyall you apply for Sympany's supplementary insurance as a multi-year contract for three full calendar years; the policy states when the term ends. Sympany also offers it without a multi-year contract (a term of one calendar year at a time, without the multi-year discount); easyall, by its own decision, arranges it only as a multi-year contract. A multi-year contract cannot be cancelled ordinarily each year; in return Sympany grants a multi-year discount of 3% on plus, premium and hospita, except plus natura. dental is also applied for through easyall for 3 years, but at the list price without the multi-year discount
- Age-based tariff for plus, premium, hospita and dental: the premium generally rises each time you move into the next higher age class
- plus and premium: on benefits that are not limited, Sympany charges a 10% co-payment unless otherwise specified; for planned medical treatment abroad (premium), insured persons aged 18 and over also pay an annual deductible equal to the ordinary KVG deductible of CHF 300
- dental only together with at least one other insurance with Sympany (for example basic insurance, plus, premium or hospita) and up to age 60; through easyall you choose dental together with plus, premium or hospita or with Sympany's basic insurance in the same application. Conditions existing when the insurance is taken out are not insured
- Sympany's supplementary insurance can only be taken out with residence in Switzerland. Sympany generally requires a health questionnaire for it, including for hospita allgemein; applications can be declined or individual benefits excluded
- hospita allgemein comes without free choice of doctor (multi-bed room). Before a planned (non-emergency) hospital stay you should check with Sympany whether and to what extent hospita contributes to the hospital
- Maternity benefits from the supplementary insurances require that the mother has been insured with Sympany for at least 270 days at the time of birth or, if she was previously insured equivalently with another insurer, that the submission of her application to Sympany was confirmed at least 270 days before the birth
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Calculate premium nowFrequently asked questions about Sympany
Which basic insurance models does Sympany offer?
For people living in Switzerland, Vivao Sympany AG offers six models for 2027. classic is the standard model with free choice of doctor throughout Switzerland. With casamed family doctor you first go to your chosen family doctor's practice, with casamed hmo to your chosen HMO practice. With casamed pharm the first point of contact is one of around 400 Sympany partner pharmacies or Medgate telemedicine. With callmed 24 you always contact Medgate first by phone or video, with flexhelp24 either Medgate or a Medgate partner practice. For cross-border commuters there is the euroline model.
How does hospita flex work?
With hospita flex you choose before each hospital admission whether you want to be treated in the general, the semi-private or the private ward. The general ward has no cost share in any of the three variants. With «hospita flex mit halbprivat option» you bear 25% up to at most CHF 3,000 per calendar year in the semi-private ward; the private ward is not insured. With «hospita flex mit halbprivat und privat option» it is 15% up to CHF 1,500 (semi-private ward) and 25% up to CHF 4,500 (private ward). With «hospita flex mit privat option» the semi-private ward has no cost share; in the private ward you bear 20% up to CHF 3,000. If two or more people in the same household (family policy) are insured with hospita flex, they can reclaim the cost share above the family maximum per calendar year: CHF 3,000 with «hospita flex mit halbprivat option» and with «hospita flex mit privat option», CHF 4,500 with «hospita flex mit halbprivat und privat option» or if they have different variants. The cost share of the basic insurance comes on top.
What is the difference between plus, premium and the natura variants?
plus is Sympany's basic outpatient supplementary insurance. Among other things it pays 90% of medicines not covered by basic insurance, contributions to spectacle lenses and contact lenses (for adults CHF 270 within 3 calendar years), to vaccinations, check-ups and fitness and, after the basic insurance, the full costs of emergency medical treatment abroad. premium covers the same benefit areas with higher contributions, for example CHF 420 for spectacle lenses and contact lenses and up to CHF 600 instead of 300 per year for check-ups. premium also generally pays abroad and, for doctors who are not subject to the KVG, pays contributions according to the recognised KVG tariff. The natura variants pay 80% instead of 50% for recognised methods of alternative medicine, cover additional methods at 50% (up to CHF 1,000 with plus natura, up to CHF 2,000 with premium natura) and have higher overall limits per calendar year: CHF 6,000 instead of 3,000 for plus natura and CHF 10,000 instead of 6,000 for premium natura.
What does the dental insurance dental cover?
dental comes in three levels: 50% of costs up to CHF 1,000, 75% up to CHF 1,500 or 75% up to CHF 5,000 per calendar year, each without a deductible. For check-ups and prophylaxis dental pays up to CHF 100 per calendar year without cost share, provided no other dental treatment is needed in the same year. The waiting period is 6 months, and 12 months for prosthetics such as crowns and bridges and for orthodontic appliances; check-ups and prophylaxis have no waiting period. Conditions existing when the insurance is taken out are not insured, and the last dental check-up must be no more than one year ago. dental can only be taken out together with at least one other insurance with Sympany, such as basic insurance, plus, premium or hospita. For children up to age 3, dental is free of premium and without a health assessment.
How do I cancel a supplementary insurance with Sympany?
You can cancel a Sympany supplementary insurance ordinarily in writing with effect from 31 December; the notice must reach Sympany by 17.00 on 30 September at the latest (arrival on a working day; the postmark does not count). Multi-year contracts, such as those you apply for through easyall with a term of 3 years, are excluded from annual cancellation; with such a contract you can apply for lower cover only in the last year of the term if the premium stays the same, and also during the term if the premium changes. The general insurance conditions (AVB) also provide for withdrawal within 30 days of notification of a premium adjustment, including when you move into a higher age class, and, after a claim for which Sympany has paid benefits, within 14 days of the payout or of learning that Sympany will cover the claim; the withdrawal then applies to the insurance concerned. You can revoke an application in writing within 14 days. Your policy and the insurance conditions are decisive. If you switch insurer, only cancel your previous supplementary insurance once the new insurer has confirmed your acceptance in writing.
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As of October 2026 · All information without guarantee · Prices may vary by canton, age and gender