Terms of participation

  • Referrals can only be made via the “Recommend Sanitas to a friend” programme by natural persons aged 18 and above who already have basic and/or supplementary insurance with Sanitas (Sanitas Grundversicherungen AG, Sanitas Privatversicherungen AG, Compact Grundversicherungen AG; hereinafter; Sanitas companies).  Separate terms apply to insurance agents, brokers, intermediaries and other corporate entities.
  • The person recommended must be a new customer. People who already have basic insurance and/or supplementary insurance with one of the Sanitas companies are not deemed to be new customers.
  • The following groups of customers are excluded from the “Recommend Sanitas to a friend” referral programme:
    • Customers who already enjoy some form of reduction through an employer’s group insurance plan.
    • Customers of a Sanitas company with temporary insurance cover of up to 12 months (e.g. short-term residents and seasonal workers).
    • Customers taking out insurance for their newborn baby.
    • Customers taking out insurance for their children under the legal age.
  • The recommendation can be made via the www.sanitas.com/friends website, the flyer, the “Recommend Sanitas to a friend” email, a Sanitas service centre or the Sanitas Contact Centre.
  • Recommendations can only be made individually.
  • If a person recommended by an existing Sanitas customer takes out basic insurance (KVG/LAMal) and at least one supplementary outpatient and/or inpatient insurance plan (VVG/LCA) subject to a successful medical exam, the Sanitas customer and recommended friend will both receive CHF 100. If the person recommended doesn’t take out basic insurance but concludes at least one supplementary insurance plan (supplementary outpatient insurance and/or supplementary hospital insurance) subject to a successful medical exam, the Sanitas customer and recommended friend will both receive CHF 50.
  • If a person recommended by a Sanitas customer takes out basic insurance (KVG/LAMal) and at least one supplementary outpatient and/or inpatient insurance plan (VVG/LCA) for themselves and their whole family (parents and children, subject to a successful medical exam), the Sanitas customer and recommended customer will both receive CHF 100 for each family member aged 18 and over. Neither the Sanitas customer nor the recommended customer is entitled to payment of CHF 100 for family members under the age of 18.
  • Insurance plans that have already been taken out cannot be reported retrospectively to the referral programme.
  • If competing quotes are generated by both the “Recommend Sanitas to a friend” referral programme and a sales intermediary, the intermediary’s entitlement takes precedence. In this case, neither the existing customer nor the new customer is entitled to payment of CHF 100 or CHF 50.
  • The Sanitas customer making the referral and the new Sanitas customer will receive their “welcome gift” as soon as the policy document for the new insurance has been issued. It may take longer to process applications for supplementary insurance because of the medical exam.
  • In the event of cancellation (non-commencement) of the contract, the “welcome gift” will be withdrawn.
  • The recommendation must be clearly stated on the new customer’s application form and quote. To this end, Sanitas notes the insurance no. of the customer making the referral on every insurance quote generated on the basis of a referral. By agreeing to these terms of participation, the existing Sanitas customer expressly agrees to his insurance no. being used by Sanitas for the above-mentioned purpose.
  • By agreeing to these terms of participation, the existing Sanitas customer and recommended customer agree to their details (name, address, email, phone number, date of birth, details of required insurance cover) being used in particular to make contact, create a quote/policy, pay the welcome gift and for marketing purposes.
  • These terms of participation apply to the “Recommend Sanitas to a friend” referral programme as of 1 January 2017.
  • Sanitas reserves the right to terminate the “Recommend Sanitas to a friend” referral programme at any time without explanation. Sanitas may also substitute other gifts for the rewards offered at any time.
  • The company’s decision is final.
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