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Information on basic insurance

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Born in

For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.

There are three age groups for basic insurance according to the Health Insurance Act (KVG):

Deductible

Policyholders must contribute to benefits paid by the health insurer. Their share includes a predetermined amount, the so-called deductible, and an additional retention of 10 percent.

The deductible only has to be paid once per calendar year and is at least CHF 300 for adults.

Accident coverage

Persons employed at least 8 hours per week with a single employer are automatically insured through this employer against accidents (Accident Insurance Act – UVG). They can therefore exclude accident coverage from their health insurance policy without the slightest hesitation.

All inactive or self-employed policyholders and children have to take out accident coverage with a health insurance provider or a private accident insurance provider.

Born in

For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.

There are three age groups for basic insurance according to the Health Insurance Act (KVG):

Deductible

Policyholders must contribute to benefits paid by the health insurer. Their share includes a predetermined amount, the so-called deductible, and an additional retention of 10 percent.

The deductible only has to be paid once per calendar year and is at least CHF 300 for adults.

Accident coverage

Persons employed at least 8 hours per week with a single employer are automatically insured through this employer against accidents (Accident Insurance Act – UVG). They can therefore exclude accident coverage from their health insurance policy without the slightest hesitation.

All inactive or self-employed policyholders and children have to take out accident coverage with a health insurance provider or a private accident insurance provider.

Models to compare

Standard basic insurance

All health insurance companies offer standard basic insurance. The benefits are identical with all providers and there is free choice of physicians.


Alternative insurance models

The alternative insurance models include the HMO model, family doctor model, Telmed model and other models. Policyholders benefit from premium discounts of up to 25 percent for mandatory health insurance compared to standard basic insurance.

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Deadline: 28 November