Standard health insurance models in Switzerland
There are different health insurance models in Switzerland. What's the standard model, and how do the alternatives differ? Comparis explains.
18.08.2022
iStock/AndreyPopov
1. How does the standard health insurance model work?
All health insurance companies offer the standard model. This includes free choice of doctor – with the exception of hospital treatment.
This means you can choose your doctor or specialist for (almost) any treatment and visit them directly. It is not necessary to inform your health insurer first.
2. How is the standard model different to alternative health insurance models?
With alternative health insurance models, the choice of doctors is limited. They oblige you to first turn to the agreed point of contact (such as your GP).
This point of contact then coordinates any further treatment required. There are only a few exceptions, such as emergencies. Health insurance companies grant a premium discount for having a limited choice of doctors.
3. Do the benefits vary according to model?
The benefits covered by compulsory basic insurance are the same for all models. However, if you do not adhere to the conditions of an alternative model, your benefits may be reduced.
4. When can I change my standard insurance?
There are two cancellation dates for standard insurance: 30 November and 31 March. To cancel by mid-year (1 July, three months’ notice), you must have a deductible of CHF 300. If you have a higher deductible in the standard model, you can only cancel your basic insurance at the end of the year.
5. I want to change health insurance in the middle of the year. Do I pay the out-of-pocket expenses twice?
You only have to pay the deductible and coinsurance once per year. Obtain a confirmation of contributions from the previous insurer for the deductible and coinsurance already paid. This helps you avoid unnecessary costs.
