Basic health insurance

Do you work at least 8 hours a week for your employer? Then they already cover you for accidents that happen outside of work as well. In this case, there’s no need for you to have accident insurance as part of your basic health insurance.

Have you taken out voluntary accident insurance (as defined in Art. 4 Accident Insurance Act) as a self-employed person? Or do you have interim insurance? In this case too, there’s no need for you to have accident insurance as part of your basic health insurance.

To reduce your premiums:

1. Choose the model that works best for you KPT offers several models to choose from. The following models offer the lowest premiums:
   Digital model
   Telmed model with general practitioner and pharmacy
   HMO model
   GP model
   Medi model
   
   
2. Select a higher deductible If you choose a , you pay a lower premium. The deductible is the part of an insurance claim to be paid by you and not the health insurer. This is governed by Article 64 of the Health Insurance Act.
   
   Find out more:
   Change deductible
   
   
3. Check accident coverage Anyone who works at least 8 hours a week for the same company is already covered. In this case, you will not need any additional accident insurance.
   
   
4. Pay your premiums in advance Save 1% by paying for the entire year. Save 0.5% by paying for 6 months. 

: the deductible is the amount you need to pay each year towards any health insurance claims. KPT will pay any claim-related costs above this. You determine the amount of your deductible yourself.

The minimum deductible is CHF 300 for adults and CHF 0 for children. The higher your deductible, the cheaper your premium.

Do you have low health costs and pay less than CHF 1,700 per year?
Then select the highest deductible of CHF 2,500.

Do you have high health costs and pay more than CHF 1,700 per year?
Then select the lowest deductible of CHF 300. You do not pay a basic health insurance deductible for maternity benefits.

You do not pay a basic health insurance deductible for maternity benefits.

Find out more:
Reduce your premiums
Change deductible

Change deductible : once the deductible limit has been reached, you pay 10% of all further treatment costs up to a maximum of CHF 700 per year for adults and CHF 350 for children.

You do not pay a basic health insurance excess for maternity benefits.

: you are liable to pay CHF 15 per day for a hospital stay. Children under the age of 18, young adults under the age of 25 in training/education and women receiving maternity care are exempt from this payment.

Yes. You can take out supplementary insurance, cancel it and switch to another health insurance provider irrespective of your basic health insurer. Important: do not cancel your supplementary insurance until you receive written confirmation of your acceptance in the new fund from your new health insurer.

Find out more: Supplementary insurance

To change your basic health insurance:

1. Send the notice of cancellation to your current insurer by 30 November.
   You can cancel your basic health insurance up to the end of November. Your cancellation notice must arrive at your health insurance company by the last working day in November during opening hours at the latest.
   
   
2. Arrange your new basic health insurance cover before 31 December.
   If you live in Switzerland, basic health insurance is mandatory. You are therefore required to arrange a new basic health insurance policy. You have until 31 December to do this. Every health insurance company has to accept you, regardless of your state of health.