Mandatory Basic Health Insurance
The standard model of mandatory health insurance provides you with unrestricted access to the doctors of your choice. You decide each time for yourself whom you want to be treated by.
- Free choice of doctor
- Direct access to specialists
General Terms and Conditions
With the standard model, you always have the freedom to choose your doctor and direct access to specialists.
Illness or accident
Family doctor
or HMO
group practice
Hospital stays in Switzerland
You will receive the costs for stay, care, and treatment in the general ward (multi-bed room).
Overseas coverage
In case of an emergency, you will receive the respective social rate in the EU/EFTA states. In all other countries, the basic insurance reimburses a maximum of twice the insured amount in Switzerland.
Transport and rescue services in Switzerland
For transports, you will receive 50% of the costs up to a maximum of 500 Swiss francs per calendar year. For rescue missions, the basic insurance reimburses 50% of the costs up to a maximum of 5000 Swiss francs per calendar year.
Medication
You will receive the costs for medically prescribed medications listed in the specialty list
If multiple medications with the same active ingredient composition are listed, the deductible may be 20%.
If multiple medications with the same active ingredient composition are listed, the deductible may be 20%.
Outpatient treatments - conventional medicine
You will receive the costs according to the rates of the recognized specialist throughout Switzerland.
Outpatient treatments - complementary medicine
You will receive the costs according to the rates of the recognized specialist throughout Switzerland.
Prevention (medical check-ups)
You will receive the costs for certain preventive examinations and measures.
Aids and devices
You will receive the costs up to the legally defined maximum amount for medically prescribed aids and devices.
Pregnancy
You will receive costs for examinations and measures for birth preparation.
Nursing care
You will receive contributions towards the costs for home care (Spitex) and nursing home care.
Spa treatments
You will receive 10 Swiss francs per day for spa treatments at recognized health resorts in Switzerland.
Frequently Asked Questions
Why do I need basic insurance?
Health insurance under the Health Insurance Act (KVG) is mandatory for all people living in Switzerland. It guarantees basic medical care in the event of illness, accident and maternity.
What are the advantages of the traditional model?
With the traditional model you keep all options open:
- 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 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.
Who can complete the standard model Traditional?
You can take out the insurance if you meet the following requirements:
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.
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.
How and when can I cancel this health insurance?
You can cancel the insurance on December 31st and switch to another health insurance company in Switzerland. The prerequisite is that you do not have any outstanding premium invoices. A one-month notice period applies. The cancellation must be received by the health insurance company by the last working day in November at the latest.
If you have taken out a traditional contract with the statutory minimum deductible of 300 francs (or without a deductible for children), you can also cancel this on June 30th. The prerequisite is that you do not have any 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.
If you have taken out a traditional contract with the statutory minimum deductible of 300 francs (or without a deductible for children), you can also cancel this on June 30th. The prerequisite is that you do not have any 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.
What franchises are there?
Adults aged 18 and over can choose either the statutory minimum deductible of 300 francs or one of five optional deductibles between 500 and 2500 francs. The higher your deductible, the cheaper your basic insurance premium will be.
Children don't have franchises. However, you can also save on premiums with an optional deductible of up to 600 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.
Children don't have franchises. However, you can also save on premiums with an optional deductible of up to 600 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.
How and when can I change my franchise?
You can increase or decrease the franchise as of January 1st of the following calendar year. The following deadlines apply:
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.
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.
Will I receive a premium reduction?
People whose income and assets justify financial support are entitled to a premium reduction (PV). The premium reduction is regulated differently from canton to canton. Therefore, ask the responsible office in your canton of residence whether you are also entitled to financial support for health insurance.
How can I save on premiums?
There are several ways you can save on premiums for basic insurance.
