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
Hospital stays in Switzerland
You will receive the costs for the stay, care and treatment in the general ward (multi-bed room).
Auslandsschutz
In the event of an emergency, you will receive the relevant social tariff in the EU/EFTA countries. In all other countries, basic insurance reimburses a maximum of twice the amount insured in Switzerland.
Transport and rescue in Switzerland
For transport you receive 50% of the costs up to a maximum of 500 francs per calendar year. In the case of rescue operations, basic insurance reimburses 50% of the costs up to a maximum of 5,000 francs per calendar year.
Drug
You will receive the costs for medications prescribed by a doctor that are listed in the specialty list.
If several medicines with the same active ingredient composition are listed, the deductible can be 20%.
If several medicines with the same active ingredient composition are listed, the deductible can be 20%.
Outpatient treatments - conventional medicine
You will receive the costs according to the rate of the recognized specialist throughout Switzerland.
Outpatient treatments - complementary medicine
You will receive the costs according to the rate of the recognized specialist throughout Switzerland.
Prevention (medical care)
Du erhältst die Kosten für bestimmte vorsorgliche Untersuchungen und Massnahmen.
Aids and objects
You will receive the costs up to the statutory maximum amount for medically prescribed aids and items.
Pregnancy
You will receive costs for examinations and birth preparation measures.
Nursing
You receive contributions towards the costs of care at home (Spitex) and in the nursing home.
Badekuren
You receive 10 francs per day for spa treatments in recognized spas 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 BASIS model?
With the BASIS 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 BASIS standard model?
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 have no 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 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.
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.
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 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.
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.
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.
