Multimed – ideal for high medical bills
With Multimed, you pay CHF 300 less as a retention fee. You contact your Multimed practice or the telemedicine centre whenever you have concerns about your health.
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The advantages for you
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Reduced retention fee: just CHF 400 instead of CHF 700 a year.
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The Multimed practice, telemedicine centre or Symptom Checker in the Well app is your first point of contact.
- You get a discount of at least 15% on the premium for your basic insurance.
- Medical advice is available 24/7 on 058 277 77 77.
- CSS clients can find fantastic offers in the enjoy365 Health Shop and use the active365 app for free.
How the Multimed model works
Do you have high medical bills? And would you like to keep your retention fee low? Then we recommend the Multimed model.
What should you do in the event of illness?
Under the Multimed model, you contact your Multimed practice, call the telemedicine centre or use the Symptom Checker in the Well app.
Ask a medical professional
Call the telemedicine centre on 058 277 77 77, where medical professionals are available to advise you round the clock. They will help you determine what treatment you need and set a time frame for it.
Check your symptoms digitally
The Symptom Checker in the Well app gives you an initial assessment in just a few minutes.
How much will the premium cost each month?
Premiums depend on where you live, your age and what deductible you choose.
What you need to know about the Multimed model
Multimed gives you freedom to act. You have the opportunity to use various digital services in relation to your treatment.
Time frame for treatment
Is treatment by a specialist required? You need a time frame covering the duration of this treatment. You can get this from your Multimed practice or by calling the telemedicine centre on 058 277 77 77. The treatment must only be administered by the specified medical professional. Notify the Multimed practice or telemedicine centre if you get referred.
View time frame in myCSS
You can find all your time frames for treatment in myCSS. It will also show you when a time frame expires and how you can extend it.
Special treatment
Your Multimed practice may refer you to a specialist for more in-depth examinations. The telemedicine centre can also refer you, depending on the situation. You can go directly to the following medical professionals: eye doctors, gynaecologists and midwives.
What to do in an emergency
If you require emergency treatment, you can go directly to an emergency doctor or to hospital. Inform your Multimed practice or the telemedicine centre of any emergency treatment you receive in hospital or from an emergency doctor within 10 days.
Pay less for medication
Under the Multimed model you buy low-cost generics or biosimilars, thus helping to lower healthcare costs. You can get medicine on repeat prescription from your Multimed practice or at a discount in these online pharmacies.
What are the rules?
The rules ginclude informing your Multimed practice or the telemedicine centre about all treatments and referrals, and obtaining their approval. That way, you pay lower premiums.
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. If you use original products instead of generic medicines or biosimilars, additional costs may arise.
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
Abroad
Cost coverage in the general ward in emergencies for outpatient or inpatient treatment, up to a maximum of twice the tariff of the canton of residence in Switzerland. The special provisions in force under the bilateral agreements apply in the case of EU countries (incl. Iceland, the Principality of Liechtenstein and Norway). Insurance cover abroad
Medication
Medically prescribed medication on the Federal Office of Public Health (BAG) «New list of generic medicine with differentiated retention fees for original preparations and generic medicines», the drug formulary or the Specialty List
Spa treatments / recovery cures
Spa treatments: CHF 10 per day, 21 days per year, plus the cost of medical treatment
Recovery cures: The cost of medical treatment only
Maternity / breastfeeding
7 check-ups during pregnancy and one following the birth, 2 ultrasound examinations for a normal pregnancy, home birth or hospital birth, maximum CHF 150 for antenatal courses, maximum 3 sessions of breastfeeding advice. Maternity benefits under basic insurance
Aids
Contributions to aids in accordance with the aids and appliances list
Preventive examinations / vaccinations
Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.
Transport and rescue costs in Switzerland
Cost of transport: 50% of costs, max. CHF 500 per calendar year
Rescue costs: 50% of costs, max. CHF 5,000 per calendar year
Glasses / contact lenses
Up to age 18: CHF 180 per year, on a doctor’s prescription
Home care / care in a nursing home
Cost coverage for medically prescribed examinations, treatment and nursing care by recognised Spitex organisations at home or in nursing homes
Dental treatment
Cost coverage for severe jaw disease or if treatment becomes necessary because of a serious general illness. Primary treatment of dental accidents (if accident cover included)
Psychotherapy
Cost coverage for psychotherapy with a doctor
Frequently asked questions
The easiest way to find recognised doctors near you is to use the premium calculator or the Multimed search function. You can change your doctor at any time.
Under Multimed, there are currently no restrictions on where you obtain your medical aids.
Important: basic insurance pays for medical aids that are included on the aids and appliances list (MiGeL) issued by the Federal Office of Public Health (FOPH). Special rules apply to purchases made abroad. We’re happy to answer any questions.
Save the number 058 277 77 77 to obtain free medical advice. If you contact other telemedicine service providers or use apps other than Well or myCSS, you will be billed for their services.
The Multimed practice and the telemedicine centre are your coordination partners. Both coordinate your treatment. That way, you benefit from the knowledge and experience of both parties, enabling a high quality of treatment.
How to save on premiums
Premiums depend on where you live, your age and what deductible you choose.
