Familie beim Abendessen

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.

Calculate premium

Choose your basic insurance

Advice digitally or by phone

Telmed

  • Digitally or by phone – with the Well app and the telemedicine centre.
  • If necessary, you'll be referred to a doctor of your choice.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 10% premium discount.
Discover the advantages Calculate your premium
Recommendation

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.
Discover the advantages Calculate your premium

Family doctor and Telmed combined

Multimed

  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • 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.
  • Min. 14% 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. 10% premium discount.
Discover the advantages Calculate your premium

Free choice of doctor

Standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly with a specialist.
Discover the advantages Calculate your premium

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.

Basic insurance benefits

Overview of benefits

Outpatient treatment / classical medicine

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

Outpatient treatment / alternative medicine

Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: Cost coverage according to the tariff, throughout Switzerland, for treatment by recognised doctors with an FMH qualification in the respective field of complementary medicine

Hospitalisation

Cost coverage without limit to sum or duration in the general ward (hospital/acute-care hospital) in accordance with the current cantonal hospital list

Health promotion / prevention

As stipulated in article 12 of the Health Insurance Benefits Ordinance

1249785334

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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