Insurance classes

Table of possible insurance classes

Basic Compulsory for everybody	Out-patient coverage Optional	In-patient coverage Optional Only one product selectable
Mandatory basic health insurance traditional model or alternative model (HMO, GP, Telmed and other models)	Out-patient supplementary insurance A	Supplementary hospital insurance for general wards within all of Switzerland
		Supplementary hospital insurance for semi-private treatment
	Out-patient supplementary insurance B
		Supplementary hospital insurance for private treatment

You may also buy basic and supplementary insurance from different providers.

Since basic health insurance must provide exactly the same amount of coverage, you should decide upon a provider according to premium rates. You will have the possiblity of switching providers each year even if you fall ill in the meantime. Our basic health insurance comparison will help you decide.

Coverage for supplementary health insurance varies depending on providers. Insurers have the right to deny applications to supplementary health insurance products if your state of health is poor. They may also make reservations and only offer coverage under certain conditions.