Basic health insurance
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.
Fitness membership or semi-private and private hospital wards
Basic health insurance does not cover all health costs in full. Whether a fitness membership or the private ward in a hospital – additional cover for such services can be acquired through supplementary insurance.
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.
