Basic insurance

Insurance models within compulsory basic health insurance

Use the table to compare and contrast at a glance the different basic insurance models, e.g. standard, General Practitioner (GP), telemedicine and medical advice hotline. Quickly find the basic insurance that fits your personal situation.

4 Insurance products

Model

Standard

General Practitioner (GP) or group practice (HMO)

Telemedicine

Medical advice hotline

Product BASIS BeneFit PLUS General Practitioner/HMO BeneFit PLUS Telemedicine PREMED-24
Premium discount

No discount

At least 12%

15%

8%

Medical point of contact

You are free to choose a doctor to treat you within your canton of residence from case to case, and then consult him or her directly, as necessary.

Your medical point of contact is the GP or group practice (HMO) you chose from our list of doctors.

Your medical point of contact is the independent Centre for Telemedicine, and its medical professionals.

Following consultation with the medical advice hotline, you are free to choose a doctor to treat you within your canton of residence.

Benefits
Free choice of doctor
  • You always have a free choice of doctor and can consult them directly
  • If need be, you can go straight to a specialist
Personal care from your GP
  • Medical treatment tailored to your personal medical history
  • Avoid unnecessary repeat examinations
Medical care by telephone
  • Medical advice available 24 hours a day
  • Accessible from anywhere in the country
  • Fewer time-consuming visits to the doctor
Free medical advice before any visit to the doctor
  • Impartial medical advice
  • Medical advice around the clock, 365 days a year
  • Avoid unnecessary visits to the doctor
Obligation

No obligation.

In the event of a health problem, you choose the professional to treat you (your GP, a specialist, a chiropractor, etc.).

In the event of any health problems, however, your first port of call is always your selected GP or group practice (HMO).

In consultation with you, your GP or group practice will design a binding course of treatment tailored to your particular condition and medical needs.

If necessary, your GP or group practice will refer you to a specialist or hospital.

Whenever you have a medical problem, you will always call the independent Centre for Telemedicine first to obtain advice on how to proceed.

In consultation with you, a medical professional or a doctor will design a binding course of treatment tailored to your particular condition and medical needs, whether it is to treat yourself, visit the doctor or go to hospital.

If necessary, the medical professional will refer you to a specialist or hospital.

Whenever you have a medical problem, you always call the medical advice hotline to receive non-binding advice.

If necessary, you can then choose a doctor to go to.

Ideal for

Individuals who want complete freedom of choice, all of the time.

Individuals who appreciate personal contact with their GP.

Individuals who travel a lot.

Individuals who like to use a medical consulting service.

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