Standard
Free choice of doctor model
The monthly premium depends on age, place of residence and gender. Calculate your premium for 2027 and take out the insurance online in the next step.
How the free choice of doctor model works
The standard model gives you the freedom to choose which doctor you visit – anywhere in Switzerland. The free choice of doctor is more expensive. You can reduce your premiums by increasing your deductible.
Choose freely:
choose your own doctor. Important: you are not able to choose your doctor in a hospital. You will be treated by the doctor who is assigned to you. If you want a different doctor, this will incur a charge. KPT hospital costs insurance covers this gap.
No referral needed:
you can consult a specialist directly.
Reduce your premiums:
save money by choosing a higher . The minimum deductible is CHF 300 for adults and CHF 0 for children.
What should you do if you fall ill?
If you have the standard free choice of doctor model and are ill, always proceed as follows:
1. Check your symptoms
Visit a doctor of your choice or use the symptom checker in the . Alternatively, you can consult a doctor using via WhatsApp. The telemedical advice service is also available over the phone 24/7.
2. Select your treatment steps
Choose the appropriate treatment steps depending on the situation.
- Consult your doctor.
- Visit a specialist.
- Go to a hospital emergency department.
You can only go to hospital directly in the event of an emergency. In all other cases, you need a doctor’s referral.
3. Order medication
You can order medication online – for example, from the online pharmacy – or in a local pharmacy.
4. Check your treatment plan
Discuss your treatment plan with your general practitioner or a medical specialist.
What basic health insurance covers
The benefits available with basic health insurance are the same throughout Switzerland and from all health insurers. The insurance covers medically necessary treatments for illness, accident and maternity.
Frequently asked questions
Useful documents
Compare and take out
Free choice of doctor model
StandardWith the standard model, you have a free choice of doctor anywhere in Switzerland. This flexibility does have its price, but the trade-off is complete freedom.
Reduce your premium by choosing a higher deductible.
Digital model with GP
KPTwin.smartWith the digital model, you do everything in the Well app: check symptoms, order medication and consult specialists.
Receive a 14 to 20% discount on your monthly premium compared to the standard model.
HMO model
KPTwin.plusWith the HMO model, you select your preferred network doctor in a doctor's network. You also have access to other medical professionals within the network.
Receive a 10 to 20% discount on your monthly premium compared to the standard model.
GP (family doctor) model
KPTwin.docWith the GP model, your GP is your first point of contact. The Medi24 telemedicine advice centre also offers you advice over the telephone.
Receive a 10 to 21% discount on your monthly premium compared to the standard model.
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.
