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Multimed – ideal for high medical bills

With Multimed, you pay CHF 300 less as a retention fee. This makes it the ideal version of basic insurance if you have high medical bills. You first contact either the telemedicine centre or your Multimed family doctor.

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The advantages for you

  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • You have two partners: the Multimed family doctor and the telemedicine centre.
  • You get a discount of at least 14% on the premium for your basic insurance.
  • Medical advice is available 24/7 on 058 277 77 77.
  • Order discounted medication from online pharmacies.

Good to know

Do you have high medical bills? And would you like to keep your retention fee low? Then we recommend the Multimed model.

Treatment by a doctor
Go directly to your Multimed family doctor or call the telemedicine hotline first.
Arrange an appointment digitally
Book your telemedicine appointment online via myCSS.
Go directly to a specialist
You can see an eye doctor, gynaecologist, dentist or midwife without giving us prior notice.

How Multimed works

Multimed – ideal for high medical bills

Two points of contact for you

You have two partners: the Multimed family doctor and the telemedicine centre. You are free to decide which is the right point of contact for you at any particular moment – because both of them are familiar with your medical history. And the Well-App lets you securely access your most important medical documents wherever you are.

Treatment by a specialist

If further investigations are needed, the coordination partner responsible may refer you to a specialist.

In an emergency

In emergencies, call the telemedicine centre or contact your Multimed family doctor. If they cannot be reached, contact their locum or the emergency service.

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

No. Your Multimed family doctor or the telemedicine centre is your first point of contact. If you require specialist treatment, you will be referred by your chosen point of contact. If you don’t stick to the rules, you will face financial consequences.

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.

You can change your Multimed 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 Multimed search function.

Both points of contact – the exchange of information between the Multimed doctor and the telemedicine centre means you get the best possible treatment.

Under Multimed, you obtain your medical aids and appliances from your preferred partner. How much basic insurance pays is determined by the Federal Office of Public Health (FOPH).

Yes. Please notify the telemedicine centre or your Multimed family doctor within 10 days of receiving emergency treatment. Or you can report the emergency digitally via the myCSS client portal.

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