Familie beim Abendessen

Standard model – freedom to choose your own doctor

Under the traditional model of mandatory basic insurance, you are at all times free to choose your own doctor.

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The advantages for you

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly to see a specialist.
  • 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.

The standard model at a glance

Healthcare insurance is mandatory in Switzerland. It’s also known as ‘basic insurance’.
Basic care
Cover encompasses basic medical care in the event of illness, accident and maternity.
Go directly to a doctor
The standard model gives you complete freedom to choose a doctor or specialist.
Mandatory healthcare insurance
That’s the full name of CSS’s standard model. You'll find it mentioned under this name on the policy.

How the standard model works

Do you like to decide for yourself which doctor or specialist you want to see? Then the standard model is the right form of insurance for you.

What should you do in the event of illness?

Under the standard model, you can choose which medical practice to go to for treatment or see a specialist directly. There is no need for you to inform your health insurer.

How much will the premium cost each month?

Premiums depend on where you live, your age and what deductible you choose.

Your premium at a glance

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What you need to know about the standard model

The standard model gives you access to basic outpatient and inpatient medical care in the event of illness, accident and maternity.

Special treatment

If you need chiropractic treatment, you can contact a recognised practitioner directly. A doctor's prescription is required for nutrition therapy, speech therapy, physiotherapy, occupational therapy and other forms of therapy.

You can go to any gynaecologist for screenings and routine consultations during pregnancy. Because basic insurance pays important maternity benefits.

What to do in an emergency

In an emergency, you can go straight to the doctor’s practice of your choosing. If they cannot be reached, you can contact their locum or the emergency service.

What are the rules?

If you need to spend time in hospital, choose the general ward and a recognised clinic that features on the cantonal list of hospitals. That way, there will be no limit to either the amount or duration of the cost coverage.

What does ‘standard model’ mean?

The standard model is the basic version of mandatory basic insurance, and comes with a free choice of doctor. All general health insurance companies offer this model. You pay less in premiums under alternative models like family doctor, HMO, Telmed and Multimed. But there are a few rules that you have to follow.

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

Then we recommend an alternative form of basic insurance such as the Telmed, MultimedHMO or family doctor model. You enjoy the exact same benefits while saving on premiums.

Instead of opting for the regular deductible (CHF 300), adults and children can increase the deductible and pay lower premiums in return.

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.

Basic insurance provides benefits for alternative medicine if treatment is provided by a recognised doctor with relevant training in acupuncture, anthroposophic medicine, homeopathy or phytotherapy.

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.
Change deductible
Switch model
Change your medical point of contact and pay less.
Switch model
Exclude accident cover
If you work at least 8 hours a week, you can save on premiums.
Change accident cover