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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

When receiving benefits from their health insurance, policyholders must pay part of the costs out of their own pocket. Their share consists of a predetermined amount (deductible) and an additional coinsurance of 10 percent. The deductible only has to be paid once per calendar year.

The selection only contains those deductible levels actually offered by the insurance company in question.

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 worries.

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

When receiving benefits from their health insurance, policyholders must pay part of the costs out of their own pocket. Their share consists of a predetermined amount (deductible) and an additional coinsurance of 10 percent. The deductible only has to be paid once per calendar year.

The selection only contains those deductible levels actually offered by the insurance company in question.

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 worries.

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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