What are the types of basic insurance

Swiss health insurance abbreviations: often seen, explained here

AVB stands for General Insurance Conditions. They are part of your policy and regulate what happens between you as the insured person (see also > VN, Policyholder) and your insurer. It defines rights, obligations and the type and scope of services. Special provisions (> BB) regulate further details on individual products and models.

View AVB>

AVM stands for alternative insurance model. AVM are the savings models of your basic insurance. As an insured person, you get a discount because you forego the free choice of doctor and set a first point of contact in the event of illness (e.g. family doctor, HMO practice, telemedical advice or pharmacy). This contact point coordinates the treatment.

Sympany offers the following premium savings models: pharmacy model casamed pharm, Telmed model callmed 24, HMO model casamed hmo, general practitioner model casamed hausarzt and HMO / Telmed model flexhelp24.

So that's that Federal Office of Public Health meant. The FOPH writes about itself: «We competently stand up for health, promote a healthy lifestyle and ensure that people in our country are doing well. We are responsible for ensuring that our health system remains efficient and affordable. " The BAG therefore has the overall supervision of the compulsory health insurance in accordance with the federal law on health insurance> KVG). Federal Office of Public Health website>

Is the abbreviation for Special provisions. They specify the general insurance conditions (> AVB) and continue to do so.

Sympany maintains general terms and conditions for basic insurance and general terms and conditions for supplementary insurance. The BB for the individual basic insurance models regulate the procedure in the event of illness and the rules in the event of violations, the BB for the individual supplementary insurance products regulate the benefits in detail.

Stands for Swiss Direct Debit. It is the abbreviation for the PostFinance direct debit procedure. You give Sympany a direct debit authorization and your premium will be paid automatically. Very convenient! How to set up CH-DD for Sympany>

FINMA is the Federal Financial Market Supervisory Authority. FINMA ensures that all banks and insurance companies as well as the stock exchange abide by the law. For this reason, FINMA has, for example, the supervision of the Federal Act on Insurance Contracts (> VVG). This law regulates your voluntary supplementary insurance.

Website of the Swiss Financial Market Supervisory Authority>

Comes from English and stands for Health Maintenance Organization. In the HMO model, several doctors work in one practice, often including specialists from various medical fields. Who casamed hmo as an alternative insurance model (> AVM) chooses, saves premiums.

Is the short form of Individual premium reductions. It is paid by the cantons as a relief for people with low incomes. Payment is made through the health insurance companies. The IPV may not be shown on the policy, but can be seen on the premium invoice. Every year, who receives a premium reduction is recalculated. More about premium reductions>

Called Nursing benefit regulation. It describes the benefits that come from basic insurance (compulsory health insurance, > OKP) get paid. The benefits are therefore the same for all health insurance companies.

Stands for Federal Law on Health Insurance. It is subject to public law and defines and regulates your mandatory health insurance (> OKP, also called basic insurance). The Federal Office of Public Health (> BAG). Basic insurance is a social insurance system that is regulated throughout Switzerland. Your services are listed in the Nursing Service Ordinance (> KLV) regulated and therefore the same for all health insurance companies. To the Health Insurance Act>

Sounds strange, but just means Media and object list. This list shows which costs for medical aids and items are covered by the basic insurance. You can get the complete, but not very simple list from the Federal Office of Public Health (> BAG) view.

OKP means Compulsory health insurance. The OKP is your statutory basic insurance that you have to take out if you live or work in Switzerland. It is based on that > KVG and insures you against illness, accident and maternity. In addition to the statutory standard model (free choice of doctor, deductible 300.–) there are so-called alternative insurance models (> AVM). With these models and a higher franchise you can save on premiums>

All Sympany basic insurance>

Is the short form of Federal Law on Accident Insurance. It regulates: The accident insurance is part of the compulsory health insurance (> OKP, also called basic insurance). However, if you work more than eight hours a week for the same employer, he must insure you against accidents. You can then exclude accident coverage from your basic insurance and your premium will decrease. More tips on saving on premiums>

Means Policyholder and is sometimes called the head of the family. You are the policyholder if you take out insurance with Sympany or another insurer and pay the premiums. The policyholder receives the policy and all correspondence from the insurance company. All other persons on a policy are called “insured persons”.

VVG stands for Federal Law on Insurance Contracts. It is the legal basis for supplementary insurance, you can see it here. Your supplementary insurance is an insurance under private law (private insurance). The financial market authority (> FINMA). Supplementary insurance according to VVG is always voluntary, in contrast to mandatory health insurance> OKP, also called basic insurance). However, it can close important gaps in basic insurance coverage. With additional insurance, you decide whether you want the benefit. If so, fill out the insurance application and, if necessary, a health declaration. Depending on your state of health, the insurer will decide whether to accept you without reservation. More information about the health declaration>