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Family doctor model

The family doctor model is a version of mandatory basic insurance in which your family doctor is always your first point of contact.

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The advantages for you

  • The family doctor you know and trust is your main point of contact.
  • You get a discount at least 10% on the premium for your basic insurance.
  • Medical advice is available 24/7 on 058 277 77 77.

Good to know

You like to consult your family doctor about health problems but would also like to save on premiums? Then the family doctor model is perfect for you.

Treatment from a doctor
If necessary, go directly to your family doctor, who will organise your treatment.
Low-cost generics
If a generic is available, your doctor will prescribe it whenever possible.
Go directly to a specialist
You can see an eye doctor, gynaecologist, dentist or midwife without giving us prior notice.

How the family doctor model works

Always consult your family doctor first

Under the family doctor model, you always ask your family doctor first. Your own doctor is familiar with your medical history and knows what treatment is best for you.

Treatment by a specialist

Your family doctor refers you directly to a specialist. Send us the referral confirmation from your family doctor. That way, you’ll make sure that CSS pays your treatment costs.

Straight to a doctor in emergencies

You must always go to your family doctor first in emergency situations. If they cannot be reached, contact their locum or the emergency service. In urgent cases, please contact an emergency doctor directly.

Your premium at a glance

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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


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

Frequently asked questions

The family doctor model offered by CSS is called Profit Family Doctor Insurance. You'll find it mentioned under this name on the policy.

No. Your family doctor is your first point of contact. If you require specialist treatment, you will be referred by your family doctor. Please send us the referral confirmation form, completed by your family doctor. If you don’t stick to the rules, you will face financial consequences.

You can change your family doctor at any time. Please notify us of your new doctor.

The easiest way to find recognised doctors near you is to use the premium calculator or the family doctor search function.

Anyone not following the rules will face financial consequences. You will have to pay up to CHF 500 per doctor’s bill from your own pocket.

Pay the bill and send us the refund form. It couldn’t be easier!


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