Familie beim Abendessen

Mandatory basic insurance

Everyone living or working in Switzerland needs to take out mandatory basic insurance with a general health insurance company. Choose the insurance that’s right for you – we have five models, each with their own advantages and premiums.

Calculate premium

Good to know

Mandatory
Everyone living or working in Switzerland must have basic insurance.
Monthly premium
Premiums depend on where you live, your age and what deductible you choose.
Same benefits
All health insurers pay the same benefits for illness, accident, and pregnancy and childbirth.
Switching insurance
You can switch basic insurance each year – cancel by the end of November.

Choose your basic insurance

Go directly to your family doctor

Family doctor model

  • The family doctor you know and trust is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • At least 10% premium discount.
Discover the advantages Calculate your premium
Recommendation

All the benefits of a doctors’ network

HMO model

  • The chosen doctor’s practice from the medical network or the group practice is your first point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • 14–16% premium discount.
Discover the advantages Calculate your premium

Ideal for high medical bills

Multimed

  • The Multimed practice, telemedicine centre or Well app is your first point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • Premium discount of at least 16% and CHF 300 less as a retention fee.
Discover the advantages Calculate your premium

Advice digitally or by phone

Telmed

  • Your first point of contact is the Well app or the telemedicine centre.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • At least 10% premium discount.
Discover the advantages Calculate your premium

Free choice of doctor

Standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly to see a specialist.
Discover the advantages Calculate your premium

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

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Personal advice

Get in touch for a personal consultation.

The right basic insurance cover

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How much does childbirth cost?

Whether in hospital, at home or in a birth centre – this is what health insurance pays.

Good to know
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Choosing the right model

Which general health insurance model is right for me?

Compare now
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Lower retention fee

Multimed helps you save costs on basic insurance.

Here’s how
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Lower your premium

Other simple saving tips besides adjusting your deductible.

Boost your budget
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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.
Find out more
Switch model
Change your medical point of contact and pay less.
Here’s how
Exclude accident cover
If you work at least 8 hours a week, you can save on premiums.
Change accident cover