Insurance Basic insurance Free choice of doctors Family doctor model HMO model Telemedicine Network model Supplementary hospital insurance plans Hospital private Hospital semiprivate Hospital general Outpatient hospital Hospital upgrade Hospital accident private Hospital accident semiprivate Supplementary insurance Jump Classic Family Dental insurances Travel insurance Planning a Family Medical Private Salary Capital What costs does Sanitas cover? Alternative medicine Vision aids | Glasses & contact lenses Cover abroad Fitness & prevention Medicines/drugs Incapacity to work Money-saving tips Save money on health insurance premiums Life events Starting a family Planning a family Pregnancy Baby Maternity services Coming of age Jump in premiums: why? Your own flat My first job Stay abroad Military service Immigrating and emigrating New to Switzerland Cross-border commuters Moving abroad Support in everyday life Fall prevention in old age Support in the event of illness and accident High blood pressure Type 2 diabetes Sleep disorder Contact & help Contact Give us a call Send us a message Where to find us Book an appointment Reporting an accident Customer portal & apps Sanitas Portal Sanitas Active app Sanitas Medgate app Sanitas Coach App Documents & downloads Brochures and product sheets General terms of insurance Supplementary terms Lists Forms for insureds Forms for healthcare providers Search engines Doctor locator Therapist search for alternative medicine Generic drug finder Good to know Switching health insurer FAQ Coronavirus information Information Important for you 2022 Dictionary Offers Online pharmacies Health offers Switching to Sanitas Premium calculator

Family doctor model: contact your chosen family doctor

Family doctor model

Your family doctor knows you and your medical history. So, you don't have to repeat your medical history every time you go – and they know what to do. With our CareMed family doctor model, you can choose any family doctor in Switzerland.

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

Step by step: how CareMed works

  1. You choose a family doctor and take out the CareMed plan.
  2. You always contact your family doctor first if you need medical advice.
  3. Your family doctor is responsible for the initial medical consultation.
  4. This doctor either provides your treatment or recommends a course of treatment.
  5. He or she also coordinates all the measures required.

Take out insurance online now

With CareMed you save between 7% and 10% on your premium compared to the Basic standard model for basic health insurance.

Personal care from your family doctor

Your family doctor is your first point of contact for medical queries. This doctor provides advice, examines you and administers treatment. Or he recommends a course of treatment and refers you to a specialist.

If you prefer an alternative form of treatment, discuss your preferences with your family doctor. He or she also coordinates and organises all the measures required. This increases the chances of success and avoids unnecessary examinations. In opting for this model, you help cut costs, and in return you get a discount on your premium.

You don't have to go to your family doctor in the following cases

  • Emergencies (follow-up treatment or check-ups must be conducted by your family doctor)
  • Gynaecological check-ups
  • Maternity benefits
  • Regular eye tests
  • Dental treatment

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.

Basic insurance
Choose your insurance model
  • Five models for basic insurance
  • Free choice of doctors, telemedicine, family doctor or HMO practice
  • Premium discount of up to 15%
To the models
Supplementary insurance plans
Supplement basic insurance benefits
  • Cover costs that exceed basic insurance
  • Money towards additional treatments such as alternative medicine
  • Contributions towards preventive care such as check-ups
Supplementary insurance
Supplementary hospital insurance plans
Choose a hospital ward
  • General, semiprivate or private
  • Free choice of doctors and hospitals in Switzerland and abroad
  • Greater flexibility thanks to Hospital Upgrade
Hospital insurance