Health Insurance

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).