This standard version of mandatory basic insurance gives you the freedom to choose which doctor or specialist to see at any time.
Calculate premiumDo you want to decide for yourself which doctor or specialist to see? Then the standard model is the right form of insurance for you.
The standard model gives you complete freedom to choose a doctor or specialist.
In an emergency, you can go straight to your own doctor. If they cannot be reached, contact their locum or the emergency service.
Cost coverage according to the tariff, throughout Switzerland, for treatment by recognised doctors, chiropractors, dieticians, midwives, speech therapists, physiotherapists, ergotherapists, nurses and nursing auxiliaries
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
Cost coverage without limit to sum or duration in the general ward (hospital/acute-care hospital) in accordance with the current cantonal hospital list
As stipulated in article 12 of the Health Insurance Benefits Ordinance
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)
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: CHF 10 per day, 21 days per year, plus the cost of medical treatment
Recovery cures: The cost of medical treatment only
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
Contributions to aids in accordance with the aids and appliances list
Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.
Cost of transport: 50% of costs, max. CHF 500 per calendar year
Rescue costs: 50% of costs, max. CHF 5,000 per calendar year
Up to age 18: CHF 180 per year, on a doctor’s prescription
Cost coverage for medically prescribed examinations, treatment and nursing care by recognised Spitex organisations at home or in nursing homes
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)
Cost coverage for psychotherapy with a doctor
The standard model offered by CSS is called mandatory healthcare insurance. You'll find it mentioned under this name on the policy.
The standard model gives you the freedom to choose your own doctors and arrange an appointment with them directly at any time. The Telmed, family doctor, Multimed and HMO alternative insurance models restrict your choice of doctor.
Then we recommend an alternative form of basic insurance such as the Telmed, Multimed, HMO or family doctor model. You enjoy the exact same benefits while saving on premiums.
Pay the bill and send us the refund form. It couldn’t be easier!
Premiums depend on where you live, your age and what deductible you choose.
