Basic health insurance
Basic health insurance simply explained
Basic health insurance is there to cover you in case of illness, accident or maternity.
Statutory protection:
in Switzerland, basic health insurance pays out if you fall ill, get into an accident or have a baby. The benefits payable under basic health insurance are regulated by the Health Insurance Act.
Choose what works for you:
a range of insurance models are available to choose from based on your preferences: Digital, Telmed, GP, HMO or Free choice of doctor.
Reduce your premiums:
save money by choosing a less expensive model and a higher .
Change provider annually:
premiums change every year. You are allowed to change your provider once a year on 1 January. To do this, you must cancel your basic health insurance cover with your current provider by the end of November.
What basic health insurance covers
The services covered by basic health insurance are the same throughout Switzerland. You and your health insurer share the cost. You first pay the , then the and the . The rest is paid by the health insurer, providing the services are covered by basic health insurance.
All services simply explained
These explanations are based on the legal principles established by the Federal Law on Health Insurance (HIA) and the Health Insurance Benefits Ordinance (HIBO). They provide binding information as to what basic health insurance covers.
Contact us for advice
Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.