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Family doctor model – go directly to your own doctor

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.
  • All treatment is organised by your family doctor.
  • Medical advice is available 24/7 on +41 58 277 77 77.
  • You can consult eye doctors and gynaecologists directly.

Good to know

Low-cost generics
If a generic drug is available, your family doctor will prescribe it whenever possible.
Treatment by a specialist
Did your doctor refer you? Then send us the referral confirmation. That way, you’ll make sure that CSS pays your treatment costs.
Min. 7% premium discount
With the family doctor model, you benefit from a premium discount of at least 7% on mandatory basic insurance.

How it works

Under Profit (CSS and Arcosana), FIRST MED (Intras) or Sanagate's 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. If you need to see a specialist, your family doctor will refer you directly. Send us the referral confirmation from your family doctor. In an emergency, you can go straight to your family doctor, their locum or an A&E department.

This model lets you benefit from your family doctor’s experience. You always contact your own doctor first and, in return, you enjoy an attractive discount.

Would you like to keep your family doctor as your main point of contact in all health matters while also saving on premiums? Then the family doctor model is perfect for you.

Your premium at a glance

Overview of basic insurance 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


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

Benefits abroad

Cover for costs incurred in emergencies for outpatient or inpatient treatment on a general ward up to a maximum of twice the tariff of the canton of residence in Switzerland. Special conditions apply in EU states (incl. Iceland, the Principality of Liechtenstein and Norway) as determined in the bilateral agreements


Medically prescribed medication on the list of generic drugs maintained by the Federal Office of Public Health (FOPH), the list of medicines with tariffs or the specialities list

Spa cures/convalescence cures

Spa cures: CHF 10 per day, 21 days per year plus medical costs
Convalescence cures: only medical costs


Eight check-ups, two ultrasound examinations for a normal pregnancy, home birth or hospital birth, max. CHF 150 for prenatal courses, max. three sessions for breastfeeding advice


Contributions to aids in accordance with the official aids and appliances list compiled by the Federal Office of Public Health (FOPH)

Preventive examinations/vaccinations

Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.

Transport and rescue costs

Cost of transport: 50% of costs, max. CHF 500 per calendar year
Cost of rescue: 50% of costs, max. CHF 5,000 per calendar year (Switzerland)

Glasses/contact lenses

Up to 18 years of age: CHF 180 per year with a medical prescription

Home nursing/care in a nursing home

Costs are covered for examinations, treatment and nursing care prescribed by a physician and carried out at home or in nursing homes by recognised Spitex organisations

Dental treatment

Costs are covered for serious jaw disease or if treatment becomes necessary because of a serious general illness. Initial treatment in case of accident (if accident cover included)


Costs for psychotherapy by a doctor

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Personal advice

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Tips: how to save on premiums

Premiums depend on where you live, your age, and what deductible you choose. Save on premiums each year – thanks to the right retention fee and a low-cost version of basic insurance.

Higher deductible
The right retention fee can help you save a lot of money on basic insurance.
Adjust your deductible
Free for children
Insure your children for free with myFlex Economy Hospitalisation Insurance.
Get a family discount
Exclude accident cover
Do you work for an employer for at least eight hours a week? Then you can save on premiums.
Change accident cover
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