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Advantages of forgoing a free choice of doctor

Lower premiums, same service and a fixed point of contact. Switching to an alternative model of basic insurance has many advantages and comes with a few rules.

The advantages for you

You get a discount of at least 10% on the premium for your basic insurance.
Your first point of contact depends on the model.
All models pay the same benefits for illness, accident and maternity.
Medical advice is available 24/7 on 058 277 77 77.

HMO model – all the benefits of a doctors’ network

You always go to your own doctor from the medical network first. They will coordinate your treatment and refer you if need be.

Family doctor model – go directly to your own doctor

You always go to your family doctor first. They know the best way to treat you and will refer you to a specialist if need be.

Multimed – ideal for high medical bills

You contact either the telemedicine centre or your family doctor first. Unique to this model: you pay CHF 300 less as a retention fee.

Telmed – advice digitally or by phone

You call the telemedicine centre or use the Well app first before making an appointment to see a doctor.

If you choose to forgo a free choice of doctor, these rules are important

You pay less in premiums, but there are a few restrictions attached. Here’s what happens if you go directly to another doctor, fail to report an emergency or don’t opt for generic medicine.

CSS will remind you of the correct procedure. CSS will pay the doctor’s fees, minus any deductible and retention fee.
Each time you go directly to another doctor after that, you will have to pay up to CHF 500 per bill from your own pocket. This amount will not be set off against the deductible or retention fee.
You’d prefer to have a free choice of doctor? You can change model as of 1 January each year.

Onward referral – when your specialist refers you further

Does the specialist want to refer you to another specialist? Then ask your family doctor. Their approval is necessary, and they will also inform CSS. Only then are we able to cover the costs.

Emergencies, gynaecologist and more

In an emergency, you can go straight to a doctor and then notify your point of contact immediately afterwards. You can also go directly to an eye doctor, gynaecologist, dentist or midwife. If a generic is available, your doctor will prescribe it whenever possible.

Forgoing a free choice of doctor

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Choose your basic insurance

Advice digitally or by phone

Telmed

Digitally or by phone – with the Well app and the telemedicine centre.
If necessary, you'll be referred to a doctor of your choice.
Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
Min. 10% premium discount.

Calculate your premium Change model

Recommendation

All the benefits of a doctors’ network

HMO model

A doctor you know and trust from your medical network or group practice is your main point of contact.
Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
Min. 14% premium discount.

Calculate your premium Change model

Ideal for high medical bills