Telmed – advice digitally or by phone
Telmed is a version of mandatory basic insurance. You always ask the Symptom Checker in the Well app or the telemedicine centre first whenever you have concerns about your health.
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The advantages for you
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Your first point of contact is the Symptom Checker in the Well app or the telemedicine centre.
- You get a discount of at least 10% on the premium for your basic insurance.
- Book your treatment time frame for a doctor’s appointment and get medical advice 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 Telmed works
Are you happy to get initial advice digitally or by phone? Are you looking to reduce your premium? Then Telmed is ideal for you.
What should you do in the event of illness?
Under Telmed, you always first call the telemedicine centre on 058 277 77 77 or use the Symptom Checker in the Well app before making a medical appointment.
Check your symptoms digitally
The Symptom Checker in the Well-App gives you an initial assessment in just a few minutes. If you need to see a doctor, you can create a time frame for treatment digitally and then go to your chosen doctor’s practice. There is no need to call the telemedicine centre.
Ask a medical professional
Call the telemedicine centre, 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.
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 Telmed
Telmed gives you freedom to act. You have the opportunity to use various digital services in relation to your treatment.
Time frame for treatment
You need a time frame covering the duration of your treatment. You can get one from the telemedicine centre (058 277 77 77) or via the Well app. The treatment must be administered by the specified medical professional. Notify the 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.
Medical dossier
You can share the Symptom Checker results directly with the telemedicine centre. Save other documents in the Well app medical document store and share them with your doctor.
Special treatment
The telemedicine centre will refer you directly to a specialist, for therapy or to a hospital if necessary. You can continue to go to your gynaecologist without a referral 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 a doctor. You can then report the emergency directly in myCSS or inform the telemedicine centre within 10 days.
What are the rules?
The rules include always using the Well app before seeking treatment, and creating a time frame directly or informing the telemedicine centre. Under the Telmed model you buy low-cost generics, thus helping to lower healthcare costs. 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, additional costs may arise.
What does Telmed mean?
Telmed stands for ‘telemedicine model’. You benefit from the knowledge and experience of the telemedicine centre. This enables a high quality of treatment.
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
Spectacle lenses / 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
You can plan an appointment with an eye doctor, gynaecologist, midwife or dentist without having to use the Symptom Checker or call the telemedicine centre.
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.
How to save on premiums
Premiums depend on where you live, your age and what deductible you choose.
