standard
The standard model offers the greatest freedom. You can go directly to general practitioners, specialists or hospitals within the rules of basic insurance.
- Free choice of doctor
- Few organizational hurdles
- Usually the highest premium
Basic insurance in Switzerland
The differences are not in the mandatory services, but primarily in the premium, model, deductible and switching strategy.
Quick overview
What matters before you compare
Basic insurance is mandatory in Switzerland and covers legally defined basic services. Savings potential arises primarily through the choice of model, deductible and the correct comparison of premiums.
- The benefits are largely identical by law, but the premiums differ significantly.
- The insurance model and deductible determine how much flexibility and risk you take on.
- You usually need supplementary insurance for dentist, semi-private hospital cover or similar extras.
What basic insurance covers
Basic insurance is required by law in Switzerland. The benefits are largely the same for all health insurance companies because they are regulated in the Health Insurance Act. Differences between the health insurance companies therefore arise primarily in terms of premium, service, model and deductible.
Coverage includes, among other things, doctor's visits, medically necessary treatments, medications from the specialty list and hospital stays in the general ward. That's exactly why a comparison is worth it: the compulsory service remains similar, but the cost structure does not.
- The same statutory basic services for all health insurance companies
- Premiums vary depending on where you live, age, model and deductible
- supplementary insurance is not part of the basic insurance
Compare insurance models
Benefits stay legally the same. The difference is mostly how you enter the system first and how much your monthly premium drops.
HMO
With the HMO model, you first go to a defined group practice or to a fixed initial medical contact. This usually lowers the premium significantly.
- Cheaper premiums than in the standard model
- Coordinated initial contact
- Less free choice of doctor
Family doctor
With the family doctor model, your family doctor is the first point of contact and will refer you if necessary. This is a good fit for people who want a clear medical contact.
- Premium usually below the standard model
- Clear control via the family doctor
- Dependence on a defined practice
Telemed
With the Telemed model, you first contact a medical hotline or digital triage before visiting a doctor. This model is often the cheapest, but requires discipline in the process.
- Often very attractive rewards
- Telephone or digital preliminary clarification is mandatory
- Not ideal if you want maximum freedom
deductible and cost sharing
The deductible determines how much you pay yourself per calendar year before the health insurance company covers services. Choosing a higher deductible lowers the monthly premium, but increases your risk in the event of a claim.
In addition to the deductible, there is also the deductible. Once you have reached the deductible, you usually pay ten percent of the additional costs yourself, up to the legal upper limit.
- Low deductible: higher premium, less risk in the event of illness
- High deductible: lower premium, more personal contribution
- The right choice depends on your health and liquidity
Next step
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