The standard model of compulsory health insurance offers you unrestricted access to the doctors of your choice. You get to decide each time who you would like to have treat you.

  • Free choice of doctor
  • Direct access to specialists

How the BASIS model works

With the standard model, you enjoy a free choice of doctor and direct access to specialists at all times.

  • Illness or accident
  • Treatment by doctor or specialist

Insured benefits

The benefits are the same for all basic insurance models. With the BASIS model, we will reimburse you the following benefits after deduction of the statutory co-payment (deductible/excess/hospital cost contribution).

You receive the costs of a stay, care and treatment in a general ward (multi-bed room).

In an emergency, you will receive the respective social tariff schedule in the EU/EFTA country. In all other countries, we will cover a maximum of twice the amount insured in Switzerland. 

You receive 50% of the costs for transport, up to CHF 500 per calendar year. We will reimburse 50% of the costs for rescue operations, up to CHF 5,000 per calendar year.

You receive the costs of medically prescribed medication on the specialities list.

If several pharmaceuticals are listed with the same combination of active ingredients, the excess can amount to 20%.

Specialities list (SL)

You receive the costs according to the tariff of the recognised specialist for the whole of Switzerland.

You receive the costs according to the tariff of the recognised specialist for the whole of Switzerland. 

You receive the costs for certain preventive examinations and measures.

You receive the costs of medically prescribed aids and apparatus up to the maximum amount specified by law.

You receive the costs of examinations and birth preparation measures. 

You receive contributions towards the costs for care at home (Spitex) and in a nursing home.

You receive CHF 10 per day for balneotherapy at recognised therapeutic spas in Switzerland.


Frequently asked questions

Under the Swiss Health Insurance Act (KVG), health insurance is compulsory for anyone living in Switzerland. It provides basic medical care in the event of illness, accidents and maternity.

The scope of benefits it covers is regulated by law. This means you receive exactly the same benefits from every health insurer in Switzerland.

With the BASIS model, you keep all your options open:

  • You are always free to choose your doctor and can go to them directly.
  • You can go directly to a specialist of your choice, if needed.

And if you are unsure about whether you should consult a medical professional or not, the free Medi24 medical advice hotline is there to help. The team offers help with medical questions by telephone around the clock.

More information about medical advice

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland


  • You are resident in an EU/EFTA country but are subject to Swiss health insurance legislation under a bilateral agreement, e.g. as a cross-border commuter.

Every Swiss health insurer is obliged to accept applicants, irrespective of age and personal state of health, without reservations.

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Other models under basic insurance

Helsana offers basic insurance as a standard version as well as three alternative models. The benefits are the same for all models.

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BeneFit PLUS General Practitioner

The GP or HMO group practice is your first port of call.

BeneFit PLUS Telmed

The telemedicine centre advises on health problems.


Call the Medi24 medical advice hotline before any visit to the doctor.

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