Familie beim Abendessen

Standard model – freedom to choose your own doctor

This standard version of mandatory basic insurance gives you the freedom to choose which doctor or specialist to see at any time.

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The advantages for you

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly with a specialist.
  • Medical advice is available 24/7 on +41 58 277 77 77.

Good to know

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

Healthcare insurance is mandatory in Switzerland. It is also known as basic insurance.
Cover for basic medical care
The insurance provides cover for basic medical care in the event of illness, accident, pregnancy and childbirth .
Go directly to a specialist
The standard model gives you complete freedom to choose a doctor or specialist.

How the standard model works

Go directly to the doctor or a specialist

The standard model gives you complete freedom to choose a doctor or specialist.

In an emergency

In an emergency, you can go straight to your own 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 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

Frequently asked questions

What does mandatory healthcare insurance mean?

The standard model offered by CSS and Arcosana is called mandatory healthcare insurance. You'll find it mentioned under this name on the policy.

What are the advantages of the standard model?

The standard model gives you the freedom to choose your own doctors and arrange an appointment with them directly at any time. The Telmed, family doctor, Multimed and HMO alternative insurance models restrict your choice of doctor.

A free choice of doctor is not important to me.

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

How do I submit a doctor's bill?

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. What deductible would you like?
Change insurance
Switch model
Change your medical point of contact and pay less.
Choose option
Exclude accident cover
Do you work at least eight hours a week? Then you can save on premiums.
Change accident cover
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