Standard model of health insurance in Switzerland

2. How is the standard model different to alternative health insurance models?

With alternative health insurance models, the choice of doctor is limited. In the event of health problems, you must always first consult the agreed point of contact. This could be your general practitioner/family doctor or a telemedicine helpline.

This point of contact then coordinates any further treatment required. However, there are a few exceptions, such as emergencies. Health insurers grant a premium discount in models with a limited choice of doctor.

3. Do the benefits vary according to model?

The benefits of compulsory basic insurance are defined in law. They are therefore the same for all models. However, if you violate the conditions of an alternative model, the health insurer may reduce your benefits.

4. When can I change my standard health insurance?

As a rule, you can switch health insurance annually with effect from 1 January. The notice period ends on the last working day of November. Your health insurer must receive your cancellation letter by then.

Do you have the standard model and the lowest deductible of 300 francs? If so, you can also change your health insurance with effect from 1 July. In that case, your health insurer must receive your cancellation letter by the last working day of March.

Good to know: since 2025, you have the option to switch to an alternative model provided by the same health insurer during the year. This is possible regardless of the deductible. However, you must be insured in the standard model before switching.

If I switch during the year, do I have to pay the out-of-pocket expenses twice?

You only have to pay the deductible and coinsurance once per calendar year. Ask your previous health insurer for a confirmation of the contributions you have already paid. This helps you avoid unnecessary costs.