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

Choose your basic insurance

See your own doctor first

Family doctor model

  • Your family doctor is always your first point of contact
  • Free choice of eye doctor and gynaecologist
  • Min. 7% premium discount
Discover the advantages Calculate your premium

Telephone advice first

Telmed model

  • Telephone advice from medical experts
  • Free choice of doctor after consulting the telemedicine centre
  • Min. 9% premium discount
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Recommendation

Telemedicine & the family doctor model combined

Multimed model

  • Choose between your family doctor and advice by phone
  • Free choice of eye doctor, gynaecologist and midwife
  • Min. 12% premium discount
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Consult your network doctor

HMO model

  • Your medical network doctor is your first point of contact
  • Free choice of eye doctor and gynaecologist
  • Min. 14% premium discount
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Free choice of doctor

Standard model

  • Free choice of doctor
  • Go directly to a specialist
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Good to know

Mandatory insurance cover
Everyone living or working in Switzerland must have basic insurance.
Same benefits for all
All of the models and health insurers pay the same benefits for illness, accident, pregnancy and childbirth.
Your contribution
Basic insurance runs from January to December. You have the opportunity to cancel your basic insurance by the end of November each year.
Four providers – the same service
CSS, Arcosana, Intras, Sanagate – these are the providers in the CSS Group. All three offer the same personal service.

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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Personal advice

Get in touch for a personal consultation.

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