The possibility of free choice of doctor means that you can decide for yourself which doctor or specialist you would like to see.
Here you choose a permanent family doctor who coordinates your medical care and refers you to specialists if necessary.
With the HMO model, your first point of contact is an HMO group practice, where doctors from different specialties work together to provide coordinated care.
This model provides for a telephone consultation before every visit to the doctor.
Some health insurance companies also offer specialized models that offer further benefits and adjustments.
Basic insurance in Switzerland is a solid basis, but it has its limits. It covers basic medical treatment and visits to the doctor within your canton of residence or work and limits hospital stays to the general ward of your canton of residence. But ...
Free hospital choice in Switzerland
Free choice of doctor at the hospital
Choice of hospital comfort: general, semi-private or private
Preventive check-up
Fitness contributions
90% for non-mandatory medicines authorized by Swissmedic (exception: LPPV)
Traditional Chinese Medicine (TCM)
Phytotherapy: herbal medicine
Acupuncture
Traditional Chinese Medicine (TCM)
Phytotherapy: herbal medicine
Osteopathy
Kinesiology
Homeopathy
Basic insurance covers a wide range of benefits, including medical treatment, certain medical examinations and procedures, medication and contributions towards hospital stays. Despite the uniform range of benefits covered by all health insurers, ther...
If you make use of medical services such as visits to the doctor, hospital stays or medication, you must contribute to the costs up to a certain amount. The contribution consists of the deductible and the excess.
The franchise is the amount you pay towards the cost of treatment each year before the health insurance company covers benefits. The statutory minimum deductible is CHF 300, but can be increased to up to CHF 2500. You can determine the amount of the deductible yourself.
Depending on the franchise you choose, you will contribute between CHF 300 and CHF 2500 per calendar year. People who frequently need medical help can benefit from a lower deductible, as they can get the costs covered by their health insurance more quickly. People who rarely make use of medical services may be wiser to choose a higher deductible. By choosing a higher deductible and the associated lower premium costs, you can save money over the year if you have minimal or no medical expenses.
As soon as the health costs have reached the amount of the deductible, you contribute to your costs with a deductible of 10 percent up to a maximum amount of CHF 700. For children, the maximum amount is CHF 350 - for more than two children, the maximum amount is CHF 1000.
Frequently asked questions
These are some of the most frequently asked questions from customers
