NetMed: HMO model with premium discount | Sanitas health insurance

Ask your doctors for advice first

Ask your doctors for advice first

In an HMO group practice or network of physicians, you are treated by doctors and therapists who are familiar with your medical history. At the same time you benefit from their combined medical expertise and a shared infrastructure.

Step by step: how NetMed works

  1. Take out the NetMed plan and choose a network of physicians or HMO group practice.
  2. Make an appointment with your (new) doctor.
  3. The doctor provides treatment or refers you to a specialist.
  4. The doctor sends us the bill, and we take care of the rest.

Key benefits of basic insurance

Anyone who is resident in Switzerland is obliged by law to have basic health insurance in order to ensure basic medical care for all. All health insurers cover the same benefits under basic insurance.


For example

  • Treatment with a doctor or specialist throughout Switzerland
  • Hospital treatment in the general ward of your canton of residence
  • Cost share towards emergency treatment worldwide
  • Medicines, laboratory tests or medical aids

Take out insurance online now

With NetMed you save 10% on your premium compared to the Basic standard model for basic health insurance.


The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.

Personal support from your doctors

Your doctor examines you and provides treatment and, if necessary, discusses your case with other doctors and refers you to a specialist. Your doctor coordinates your treatment and any measures undertaken to ensure that you aren’t examined for the same thing twice or treated unnecessarily. You play a role in helping to cut costs and in return you get a discount on your premium.

You can go directly to a specialist in these cases

  • Emergencies (but they have to be reported within ten days)
  • Gynaecological check-ups
  • Maternity benefits
  • Regular eye tests
  • Dental treatment


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