Sympany (Vivao)

Swiss health insurer

Sympany (Vivao) casamed pharm

General information:

Health insurance model «casamed pharm» of the Swiss insurance company Sympany.

Health insurance model:
Pharmacy model: Holders of pharmacy-model policies are required to visit pre-specified pharmacies as a first stop. From there they are referred to doctors, specialists, therapists, or hospitals. Alternatively, they can also consult a medical hotline.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the Sympany (Vivao) doctor list.
Medical partner:
Medgate, TopPharm.
Pharmacy choice:
Choice of pharmacies is limited to those on the Sympany (Vivao) casamed pharm pharmacy list.
Payment methods:
20% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
80% of payments are tiers payant, meaning the bills are paid directly by the insurance (Sympany (Vivao)).
Reimbursement:
The average waiting period before tiers garant reimbursement from Sympany (Vivao) is 10 days.
Customer satisfaction:
Overall assessment    7.5/10 (Good)
General satisfaction    7.6/10 (Good)
Helpfulness    7.7/10 (Good)
Billing: flexibility    7.1/10 (Satisfactory)
Reimbursement: time frame    7.7/10 (Good)
Product information    7.4/10 (Satisfactory)
Financial reserves:
The solvency ratio shows how available financial reserves compare to BAG minimum reserve requirements. The solvency ratio of Sympany (Vivao) is 264% (2018, based on BAG data for 2017). The BAG minimum reserve requirement is 100%.
Number of policyholders:
A total of 149,660 people hold compulsory health insurance policies from Sympany (Vivao).
Additional child-discount:
Sympany (Vivao) does not offer additional premium reductions for more than one child.
Administrative costs:
5.7% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 252 (as per the most recent BAG data).

Facts

Languages
German, English, French, Italian
Locations
Basle