The four models under basic insurance

There are four different benefit models to choose from in basic insurance. See which is the best fit for you.

Standard: BASIS

With the standard BASIS insurance model, you can choose which doctor you would like to see in your canton of residence for each health problem. In special cases, you can go straight to the specialist without further examination. This model is therefore perfect for those who want to have complete freedom of choice at all times.

General practitioner model: BeneFit PLUS general practitioner/HMO

If you opt for the general practitioner or group practice model, you will receive a discount of at least 10%. Your personal doctor from our list of doctors is always the first contact. He decides medical treatment based on your medical history. This prevents unnecessary multiple examinations. The suggested course of treatment is considered binding for you. This model is perfect for those who value being able to see their GP in person.

Telemedicine: BeneFit PLUS Telemedicine

You will receive a discount of 15% if you opt for the telemedicine model. In the event of health problems, always first call the independent Centre for Telemedicine. A medical professional will design a binding course of treatment tailored to your medical history. Medical support is there for you round the clock no matter where you are. For this reason, the model is especially suitable for those who travel a lot.

Medical advice hotline: PREMED-24

With the PREMED-24 model, you will receive a discount of at least 8% on your premium for your basic insurance. Before any visit to the doctor, you always first call the free medical advice hotline to receive non-binding advice. You have access to medical advice round the clock, 365 days a year. Afterwards, you can decide whether to visit a doctor and which doctor you would like to see in your canton of residence. This model is therefore suitable for those who like to use a medical advice service.

Remember: in an emergency, always go directly to an emergency doctor or a hospital.

Which is the right deductible for me?

The legal minimum deductible for adults from the age of 19 is CHF 300 per calendar year. However, you can opt for a higher deductible (CHF 500/1,000/1,500/2,000/2,500). Find out more in our blog article .


Premium development and saving tips

EB member Rudolf Bruder explains why the standard model's average premium has little meaning and how you can optimise your premium.

Important tips to help you save on your premiums

Easy ways to save on your health insurance premiums: our tips will help you save money. Click here for lower premiums.

Facts and tips on coronavirus

11 Post