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Telmed – medical advice by phone

Telmed is a version of mandatory basic insurance in which you always call the telemedicine centre first.

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The advantages for you

  • Telephone advice from medical experts.
  • Available 24/7 on +41 58 277 77 77.
  • If necessary, the telemedicine centre will refer you to a doctor of your choice.

Good to know

Go directly to certain specialists
You can visit your eye doctor or gynaecologist without giving us prior notice.
Don’t forget to call
Always call the hotline first, unless you want to see a gynaecologist or eye doctor. That way, you’ll make sure that CSS pays your treatment costs.
Min. 9% premium discount
With Telmed, you benefit from a premium discount of at least 9% on mandatory basic insurance.

How it works

Telmed – get advice by phone first

Callmed (CSS, Arcosana and Intras), SanaCall (Sanagate) and FIRST CALL (Intras) mean that you always call the telemedicine centre first before making a doctor’s appointment. Its medical specialists are available to take your call day and night.

In an emergency, you can go straight to a doctor. You should then inform the telemedicine centre within the next five working days. This model lets you enjoy an attractive premium discount while still giving you a free choice of doctor.

Would you like to lower your premium? And are you happy to carry out a phone consultation first? Then a telemedicine model is ideal 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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