BASIS
The standard model of compulsory health insurance offers you unrestricted access to the doctors of your choice. You decide for yourself every time who you want to be treated by.
- Free choice of doctor
- Direct access to specialists
This is how the BASE model works
With the standard model, you can enjoy free choice of doctor and direct access to specialists at any time.
Illness or Accident
Family doctor or
HMO
group practice
If several medicines with the same active ingredient composition are listed, the deductible can be 20%.
Frequently Asked Questions
- You can freely choose your treating doctor at any time and see them directly.
- If necessary, you go directly to the specialist of your choice.
And whenever you are unsure whether you want to see a medical professional or not, Medi24's free medical advice will help you. There you can get telephone help with medical questions around the clock.
You live in Switzerland (official residence)
or
You live in an EU/EFTA country, but are subject to the Swiss Health Insurance Act as part of bilateral agreements - for example as a cross-border commuter.
Every Swiss health insurance company is obliged to accept an applicant without reservation - regardless of their age and personal health.
If you have taken out BASIS with the statutory minimum deductible of 300 francs (or without deductible for children), you can also cancel it on June 30th. The prerequisite is that you have no outstanding premium invoices. The notice period is three months. The cancellation must therefore be received by the health insurance company by the last working day in March.
Children don't have franchises. However, you can also save on premiums with an optional deductible of 500 francs.
Are you still undecided about which franchise makes sense for you? We would be happy to help you.
Different regulations for cross-border commuters
For cross-border commuters from EU/EFTA countries, the statutory annual deductible for adults is also 300 francs per year. There is no annual deductible for children up to 18 years of age. However, elective deductibles are not permitted for cross-border commuters. You therefore have no option to choose a higher deductible in conjunction with a premium reduction.
On the reduction (reduction) of the franchise: November 30th
To increase the franchise: December 31st
Please note that the notification of the change must be received by the health insurance company by the last working day before the specified date.
Change franchise
Different regulations for cross-border commuters
Voting deductibles are not permitted for cross-border commuters from EU/EFTA countries. You therefore have no option to choose a higher deductible in conjunction with a premium reduction.