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

Medical advice over the phone

Telmed

  • Telephone advice from medical experts.
  • If necessary, the Centre for Telemedicine will refer you to a doctor of your choice.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 9% premium discount.
Discover the advantages Calculate your premium
Recommendation

Family doctor and Telmed combined

Multimed

  • You have two partners: the Multimed family doctor and the telemedicine centre.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • Min. 13% premium discount.
Discover the advantages Calculate your premium

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.
  • Min. 9% premium discount.
Discover the advantages Calculate your premium

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.
Discover the advantages Calculate your premium

Free choice of doctor

Standard model

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

Good to know

Mandatory
Everyone living or working in Switzerland must have basic insurance.
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.
Same service
All of the providers in the CSS Group offer the same service.
Repayment from reserves

90 million for our insured persons

We're releasing reserves, and you'll enjoy deductions on the premium for basic insurance.

Find out more

Basic insurance benefits

Overview of 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

Hospitalisation

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

Medication

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

Maternity/breastfeeding

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

Aids

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)

Psychotherapy

Costs for psychotherapy by a doctor

1249785334

Personal advice

Get in touch for a personal consultation.

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
Frau mit Laptop auf dem Sofa
myCSS has many advantages

Do everything digitally

Make your life easier. Submit bills online and check right away what gets paid.

Discover mycss