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NetMed is the HMO model for basic insurance. You always contact your practice or your doctor in a network of physicians first when you need medical advice. You will be advised by a team of doctors and therapists who are familiar with your medical history and know what to do.

Step by step: how NetMed works

  1. You choose an HMO practice or a doctor in a network of physicians. Now you can take out NetMed.
  2. You always contact your HMO practice or doctor first if you need medical advice.
  3. Your doctor provides initial medical advice.
  4. This doctor provides treatment or refers you to a specialist.
  5. The treatment plan is binding.

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.

Overview of benefits

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.

First-rate advice in your network of physicians

In an HMO practice or with a doctor affiliated with a network, you benefit from the combined medical expertise of an entire network. You have access to several doctors and therapists when you need medical advice.

The doctor providing your treatment can exchange information with other doctors. Every doctor or therapist in the network has access to your medical records and can obtain the necessary information. This ensures seamless communication.

If necessary, your doctor will refer you to a suitable specialist. Your treatment plan is binding. Your practice or doctor coordinates the treatment and any measures required. This increases the chances of success and avoids unnecessary costs. In return you get a discount on your premium.

You can go directly to a specialist in these cases

  • Emergencies (your practice or doctor must be informed within 10 days)
  • Gynaecological check-ups
  • Maternity benefits
  • Regular eye tests
  • Dental treatment

Important: please always inform your coordinating doctor or HMO practice in advance. Depending on the doctor involved, failure to comply with this rule may result in sanctions. In an emergency, the information can be provided after the consultation.