The best basic health insurance is the one that best suits your needs and costs you the least. Find out how basic health insurance works, what options are available and how to adjust your contract. The best basic health insurance is the one that best meets your needs at the lowest price.
To better cater to your personal situation and help you reduce your premiums, you can choose from four types of alternative basic insurance models. Each model operates differently but all of them offer premium discounts.
Model with a family doctor (without list)
Flexible model with free choice of first point of contact (pharmacy, telemedicine or family doctor)
Model with advice by phone
Model with a health network available in 21 cantons in Switzerland
What about you? Do you prefer a family doctor, advice by phone, a visit to a pharmacy or a healthcare network? We are available to help you decide which way of reducing your health costs is best for you:
The deductible system allows you to adjust your basic health insurance premiums according to how often your need medical care:
Depending on the deductible, find out more about the discounts available:
Maximum cost-sharing amount in CHF / year
If your deductible amount is reached during the year, you will then pay 10% of all treatment costs, but no more than CH 700 per year (CHF 350 for children).
Have you made your choice?
To change your deductible, simply send us your request. If you wish to reduce your deductible, you must notify us before the last working day of November. To increase your deductible, you have until the last working day of the year.
Are you returning to work or starting your first job? If you work for more than eight hours a week, your employer is required to insure you against occupational and non-occupational accidents. Do not forget to remove your accident coverage from your compulsory basic insurance.
Have you received your marching order? Good news! You will be able to save money. When you are called up for military service (for recruit school, repetition courses, civilian service and long service), your requirement to take out basic health insurance will be met by the military insurance. You can therefore suspend your basic health insurance and be released from paying your premiums until you return to civilian life.
Sometimes the basic health insurance premiums are too much of a burden on the household budget for you to bear alone.
In this case, it is possible to receive financial assistance from your canton of residence.
Health insurance is compulsory in Switzerland. It is governed by the Swiss Federal Law on Health Insurance (LAMal/KVG). Generally, all basic health insurance plans provide the same coverage (legally binding). It is the way they operate and their cost that set them apart.
Watch a video to find out more about the different basic health insurances and how they work:
You are insured with Groupe Mutuel and you have questions about your 2023 premiums or your contract changes? Our advisors will assist you from Monday to Friday, from 8:00 a.m. to 6:00 p.m. Contact us by phone on our dedicated line for policyholders (free number) or by e-mail using our form.
0800 808 848
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