Find the best basic health insurance

What is the best basic health insurance?

The best basic health insurance is the one that best meets your needs at the lowest price.

Compulsory insurance

Health insurance is compulsory in Switzerland. It is governed by the Swiss Federal Law on Compulsory Healthcare (LAMal/KVG). Logically, all basic health insurance solutions provide the same basic coverage (legally binding).

Examples of legally binding coverage:

  • outpatient treatment delivered by doctors and chiropractors,
  • legally recognised medicines and laboratory tests prescribed by doctors,
  • hospital treatment in the general category in the insured party’s canton of residence.
The risk of dual insurance

Are you returning to work or entering the workforce for the first time? Your employer is required to insure you against workplace and non-workplace accidents. Do not forget to remove your accident coverage from your compulsory basic insurance.

Different premiums

While the level of coverage remains the same from one health insurance product to another, premiums vary considerably. They depend on the insurer, your age and where you live. To reduce your premiums, we advise you to opt for an alternative insurance model and increase your deductible.

Choose one of our alternative models: telemedicine, family doctor or healthcare network

To meet your needs and help you pay less, we have designed three types of alternative basic insurance models.
All models provide the coverage that is required by law. It is the way they operate and their premiums that set them apart.

At Groupe Mutuel, you can choose between the following alternative models:

  • telemedicine: you agree to contact a medical advice centre by telephone before visiting the doctor;
  • family doctor: you always see your family doctor first;
  • healthcare network: you choose a doctor from a list provided by your insurer and undertake to always consult this doctor first.

Alternative models allow you to save money. By agreeing to a number of restrictions, such as calling a medical hotline first or joining a healthcare network, you avoid unnecessary consultations and help reduce health costs.
In return, we offer discounted premiums.

Do you wish to change your insurance model? Simply send us your request before the last working day of November.

Increase your deductible

Another way to reduce your premiums is to increase your deductible. The higher the deductible, the lower your premiums will be.
To change your deductible, simply send us your request. In the event of a decrease, you must notify us before the last working day of November. For an increase, you have until the last working day of the year.


In basic insurance, you can choose from the following deductibles:

Change your basic insurance
  • Would you like to switch to the PrimaTel model or another alternative model? Would you like to increase your deductible?.

  • In both cases, you will have to modify your basic insurance contract. To do so, please contact our Customer Services department.

Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111