Which general health insurance model is right for me?

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It's worth comparing: knowing the benefits, pros and cons of the general health insurance models means you can find the insurance that's just right for you and save up to 14% on premiums.

It's worth comparing general health insurance models

Do you need to see a doctor regularly or are you hardly ever ill? Is it important to go to a family doctor you know and trust or are you happy to get initial medical advice over the phone? Each of us has different needs when it comes to health-related advice and visits to the doctor. And the range of insurance models offered by CSS is just as wide and varied. It's worth comparing the various models provided by your general health insurer – after all, you could save up to 14% on premiums.

Premiums for 2023 at a glance

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The personalised family doctor model

  • The family doctor you know and trust is your first point of contact.
  • At least 10% discount on the premium for basic insurance.

The family doctor model is a version of mandatory basic insurance. Under the family doctor model, your own doctor is always your first point of contact: they are familiar with your medical history and can provide the best possible treatment. If you need to see a specialist, your family doctor will refer you directly. And even in an emergency, your family doctor or their locum should always be the first person you contact.

The inexpensive HMO model

  • The doctor you know and trust from the medical network or group practice is your main point of contact.
  • At least 14% discount on the premium for basic insurance.

At CSS, the well-known HMO model goes by the name of Health Maintenance Organisation and is another version of mandatory basic insurance. Under the HMO model, a doctor from the medical network or group practice is always your first point of contact. They will refer you directly to a specialist, therapist or hospital if necessary.

The flexible Multimed model

  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • At least 14% discount on the premium for basic insurance.

The Multimed model of mandatory basic insurance offers a flexible combination. Depending on your needs, you can either call your family doctor or the telemedicine centre – both are familiar with your medical history. Your treatment is digitally coordinated. Under the Multimed model, you'll be referred directly to a specialist if further investigations are needed.

Basic insurance models at a glance

It's worth comparing premiums

Family doctor
Go directly to your family doctor and enjoy a premium discount of at least 10%.
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HMO
Benefit from a medical network and save at least 14% on premiums.
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Multimed
Benefit from your family doctor, telemedicine advice and a low retention fee.
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Telmed
Medical advice over the phone and a premium discount of at least 10%.
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Standard
Free choice of doctor and you can arrange an appointment with a specialist directly at any time.
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The practical Telmed model

  • The choice is yours – an initial digital consultation using the Well app or advice from a medical professional over the phone. 
  • At least 10% discount on the premium for basic insurance.

The Telmed model lets you decide which is right for you at any given moment. Call the telemedicine centre for initial advice or use the Well app. The Symptom Checker in the Well app will guide you, question by question, to a recommendation. If necessary, you'll be referred to your chosen doctor. In an emergency you can go straight to the doctor. You should then inform the telemedicine centre within 10 days.

The individualised standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly to see a specialist.

The standard model is the version of basic insurance that offers a free choice of doctor, but without any further discounts. If you prefer to decide for yourself which doctor or specialist you would like to see, then the standard model is right for you.

Personal advice

Clear up any questions in a one-to-one conversation. Book your appointment for a consultation now – digitally or at your local CSS agency.

Premiums for 2023 at a glance

Calculate premium

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