whatever your requirements
Mandatory basic insurance
Anyone who lives in Switzerland has to have basic health insurance. You can make real savings depending on which model you pick.
Which basic insurance is best for you?
Do you always want to have a free choice of doctor? Or are you happy to contact your family doctor, a pharmacist or an HMO centre first or to use the Medgate telephone hotline?
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Basic insurance benefits
All the basic insurance models offer the same benefits. We reimburse you for the following benefits under the Basic model after the statutory cost shares (deductible, copayment, hospital cost contribution) have been deducted.
Basic health insurance | |
|---|---|
| Outpatient treatment | Treatment by doctors and chiropractors as well as medically prescribed therapies provided by other medical professionals |
| EU/EFTA (in emergencies) | Treatment as per bilateral agreements on free movement of persons |
| Other countries (in emergencies) | Up to max. of double the costs paid under the tariff for place of residence or place of work |
If administered by medical doctors: acupuncture, anthroposophical medicine, homoeopathy, phytotherapy, Traditional Chinese Medicine (TCM) in accordance with the statutory provisions | |
Medical aids as per list of aids and equipment (MiGeL) | |
Medicines/drugs as per the Department of Health’s list of pharmaceutical specialities. | |
Preventive measures, e.g. well-child check-ups, gynaecological check-ups (every 3 years), specific vaccinations | |
Check-ups by doctors or midwives, CHF 150 for antenatal course, breastfeeding advice | |
Treatment by medical doctors | |
| Up to age 18 | CHF 180.– |
| Spa treatments in Switzerland | CHF 10 per day, max. 21 days, at accredited spas in Switzerland |
| Transport | 50%, max. CHF 500.– |
| Rescue | 50%, max. CHF 5000.– |
| Switzerland | General ward in hospitals on official list, up to tariff for canton of residence |
| EU/EFTA (in emergencies) | Accommodation, nursing care and treatment as per bilateral agreements on the free movement of persons |
| Other countries (in emergencies) | Up to a maximum of double the costs paid under the tariff for the canton of residence |
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 KVG/HIA, the corresponding ordinances, and the general terms of insurance, the applicable supplementary terms and the current version of the Sanitas lists specified in the supplementary terms.
Save money on your health insurance
01
Higher deductible, lower premium
Your deductible is the share of the medical costs that you have to pay yourself. The higher your deductible, the lower your premium.
02
Alternative insurance model
If you don’t need a free choice of doctor and opt for an alternative model, such as a telmed or HMO model, you benefit from an attractive discount on your premium.
03
Exclude accident cover
If you work at least eight hours a week for the same employer, you are insured for occupational and non-occupational accidents through them.
Need assistance? We’re here to help.
Frequently asked questions
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What factors affect my premiums?
Premiums depend on where you live, your age and your chosen deductible. You can make further savings by choosing one of our alternative insurance models.
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What is the deadline for terminating basic insurance?
Your notice of termination must reach your current health insurer by the last working day in November at the latest so that you are insured with your new health insurer from 1 January of the following year.
If you’ve chosen a standard model with free choice of doctor (not a family doctor, HMO or telemedicine model) and a deductible of CHF 300, you can switch health insurer with effect 1 July. Your notice of termination must reach your current health insurer by the last working day in March at the latest.
It is important that the notice of termination reaches your insurer in good time. In order to have proof of timely termination, we recommend that you send the termination by registered mail.
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Why change health insurer if the benefits are the same?
Although all health insurers provide the same benefits for basic insurance in accordance with the Health Insurance Act (KVG/HIA), there are differences between health insurers with regard to the quality of the customer portal, the advice you receive or the medical points of contact.
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Is telemedicine a real alternative to seeing a family doctor?
Yes. We work together with Medgate, where mainly doctors provide advice. Simply enter your symptoms – at any time – in the Sanitas Medgate app and you will receive a professional recommendation: either for a teleconsultation with a Medgate doctor or treatment with your family doctor.
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What is supplementary insurance?
Supplementary insurance covers the cost of specific benefits not covered or only party covered under basic insurance. This includes, for example, alternative medical treatments, spa treatments, dental treatment, rescue costs or preventive healthcare.
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Details of premium discounts for basic insurance
CallMed: Discount of between 7% and 12%
Example of 7% discount: Adult premium for CallMed compared to Basic
(Aargau, deducible of CHF 300, with accident cover)Example of 12% discount: Adult premium for CallMed compared to Basic
(St. Gallen 3, deductible of CHF 2,500, with or without accident cover)CareMed: Discount of between 7% and 10%
Example of 7% discount: Adult premium for CareMed compared to Basic
(Aargau, deducible of CHF 300, with accident cover)Example of 10% discount: Adult premium for CareMed compared to Basic
(Appenzell Innerrhoden, deductible of CHF 2,500, with or without accident cover)Compact One: Discount of between 9% and 23%
Example of 9% discount: Adult premium for Compact One compared to Basic
(Aargau, deducible of CHF 300, with accident cover)Example of 23% discount: Adult premium for Compact One compared to Basic
(Geneva, deductible of CHF 2,500, with or without accident cover)Medbase MultiAccess: Discount of between 10% and 15%
Example of 10% discount: Adult premium for Medbase MultiAccess compared to Basic
(Bern 1, deductible of CHF 300, with accident cover)Example of 15% discount: Adult premium for Medbase MultiAccess compared to Basic
(Appenzell Innerrhoden, deductible of CHF 2,500, with or without accident cover)NetMed: Discount of between 7% and 19%
Example of 7% discount: Adult premium for NetMed compared to Basic
(Lucerne 1 with deductible of CHF 300, with accident cover)Example of 19% discount: Adult premium for NetMed compared to Basic
(Appenzell Innerrhoden, deductible of CHF 2,500, with or without accident cover)