Basic: our standard model
With free choice of doctor
Free choice of doctor model: Basic
Basic is our standard model for basic insurance. You choose your own doctor or go directly to a specialist.
Key benefits
Who is the free choice of doctor model suitable for?
You can be sure of straightforward and flexible cover with Basic thanks to the free choice of doctor. This model is a great choice for all those who value individual freedom of choice.
How the free choice of doctor works
At the doctor
If you need medical advice, you can go directly to a family doctor or a specialist of your choice. Or call Medgate for free advice.
In hospital
For a hospital stay, choose the general ward and a recognised clinic on the cantonal hospital list. Cost coverage is then unlimited in terms of amount and duration.
Overview of benefits
All the basic insurance models offer the same benefits. We reimburse you for the following benefits 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. Decisive for the service orientation are exclusively the KVG, the associated regulations as well as the AVB and ZB of Sanitas.
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Frequently asked questions
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What is meant by free choice of doctor?
With the standard free choice of doctor model, you can decide who to contact for medical treatment. You choose your own doctor or specialist anywhere in Switzerland.
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What is a standard model?
Basic health insurance is mandatory for all persons resident in Switzerland. The benefits provided under basic insurance are regulated by law. With the Basic standard model, you receive the full freedom to choose, but no premium discount. This is different with alternative basic insurance models, where the freedom to choose is restricted, but the premiums are more attractive.
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Do I have a free choice of doctor in hospital?
No. Every basic insurance only covers the cost of hospital stays in your canton of residence in a multi-bed room. If you also want a free choice of doctors in hospital, you need supplementary hospital insurance.
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How can I save money on premiums with the free choice of doctor model?
Switzerland has one of the best healthcare systems in the world – but that comes at a price. You can save money on your premium, for example, by changing the deductible to meet your needs. Want to know more? We’ve put together this and other tips on how to save money on health insurance.
Other basic insurance plans
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