Outpatient treatment

Various service providers, such as doctors, dentists, chiropractors, midwives, speech therapists and physiotherapists, treat you on an outpatient basis. This means that you go home right after your treatment or therapy.

Because medicine has made great progress, more and more procedures can be carried out on an outpatient basis. You don't have to plan a hospital stay and will be back at home on the same day.

Benefits covered by the insurance

Basic insurance
According to the tariff in the canton of residence

You receive the costs according to the tariff in your canton of residence for treatment by Federally certified doctors, chiropractors and medical support staff such as physiotherapists, occupational therapists, healthcare professionals, midwives, speech therapists, etc.

This is subject to the condition that the treatment has been prescribed by a doctor and is listed in the benefits catalogue of the basic insurance.


A non-panel doctor or a doctor who is not under contract is deemed to be a doctor who has refused to provide treatment under the terms of the Health Insurance Act (KVG). For this reason, the costs of treatment provided by these doctors are not covered by basic insurance.

You receive 90% of the costs of outpatient treatment carried out by a non-panel doctor (doctor who is not under contract). Psychotherapy is excluded.

Product information:
Free choice of doctor at recognised institutions

If you have selected an alternative insurance model, please note the following:

  • BeneFit PLUS Family Doctor option: Please contact your family doctor or group practice first.
  • BeneFit PLUS Telemedicine option: Please contact the Centre for Telemedicine first.
  • PREMED-24: Please contact the medical advice service first.

You have an unrestricted choice of doctor in the hospital for outpatient procedures or operations (e.g. eye cataract, bunion, tendonitis, tennis elbow, knee arthroscopy, etc.) or for an outpatient birth. For example, you can even choose to be operated on by the head physician.


  • The outpatient surgery is performed at an institution recognised by us.
  • The selected doctor is on the list of specialists (senior physician, head physician, professor) at the hospital in question.

Product information: