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Mandatory basic insurance

Everyone living or working in Switzerland needs to take out mandatory basic insurance with a general health insurance company. Choose the insurance that’s right for you – we have five models, each with their own advantages and premiums.

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Choose your basic insurance

Medical advice over the phone

Telmed

  • Telephone advice from medical experts.
  • If necessary, the Centre for Telemedicine will refer you to a doctor of your choice.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 9% premium discount.
Discover the advantages Calculate your premium
Recommendation

Family doctor and Telmed combined

Multimed

  • You have two partners: the Multimed family doctor and the telemedicine centre.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • Min. 13% premium discount.
Discover the advantages Calculate your premium

Go directly to your family doctor

Family doctor model

  • The family doctor you know and trust is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 9% premium discount.
Discover the advantages Calculate your premium

All the benefits of a doctors’ network

HMO model

  • A doctor you know and trust from your medical network or group practice is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 14% premium discount.
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Free choice of doctor

Standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly with a specialist.
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Good to know

Mandatory
Everyone living or working in Switzerland must have basic insurance.
Same benefits
All health insurers pay the same benefits for illness, accident, and pregnancy and childbirth.
Switching insurance
You can switch basic insurance each year – cancel by the end of November.
Repayment from reserves

90 million for our insured persons

We're releasing reserves, and you'll enjoy deductions on the premium for basic insurance.

Find out more

Basic insurance benefits

Overview of benefits

Outpatient treatment – classical medicine

Cost coverage according to the tariff for treatment by recognised doctors, chiropractors, dieticians, midwives, logopedists, physiotherapists, ergotherapists, nurses and nursing auxiliaries throughout Switzerland

Outpatient treatment – alternative medicine

Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: costs are covered according to the tariffs prevailing in the canton of residence or at the place of work for treatment by recognised doctors with an FMH qualification in the discipline of complementary medicine

Hospitalisation

Cover for all costs in the canton of residence according to the HIA (public hospital/acute hospital), unlimited as to sum or duration in a general ward

Health promotion/prevention

In accordance with Article 12 of the Ordinance on Compulsory Health Insurance Benefits

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Personal advice

Get in touch for a personal consultation.

How to save on premiums

Premiums depend on where you live, your age and what deductible you choose.

Higher deductible
The higher the deductible, the lower the premium. How to make the right choice.
Find out more
Switch model
Change your medical point of contact and pay less.
Here’s how
Exclude accident cover
If you work at least 8 hours a week, you can save on premiums.
Change accident cover
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