Which is the best basic insurance?

The best insurance is the one that is just right for you and offers you attractive benefits – tailored to your needs. Read more about how the insurance system works in Switzerland. You will find practical tips to help you choose the best insurance model for you.

How does the health insurance system in Switzerland work?

Basic insurance is mandatory in Switzerland. It is legally regulated under the Health Insurance Act  (LAMal/KVG).  All basic insurance models cover the same (statutory) benefits. What differentiates them is how they work and the cost of the premiums.

Examples of benefits covered by basic insurance :

  • outpatient treatments performed by doctors and chiropractors;
  • medically prescribed and approved medications and laboratory tests;
  • hospital treatment in the general ward.
The Swiss health insurance system in 2 minutes

Find out how the Swiss healthcare system works with our video : the solidarity principle, the different insurance models and the system of deductibles and copayments.

Which insurance model is right for you?

Would you rather call a telemedicine center or visit your family doctor ? Decide for yourself how you want to contact medical professionals.

We offer five different basic insurance models tailored to individual requirements.

  • Standard model (compulsory health insurance) : You enjoy maximum freedom when choosing your doctor and visit the doctor you trust.
  • Alternative Flexible model : Choose your first point of contact (telemedicine, pharmacy or family doctor) to consult if you have a health issue.
  • Alternative Telemedicine model : Always contact a medical advice center by phone before consulting a doctor.
  • Alternative Family Doctor model : Always go to your family doctor first.
  • Alternative Medical Network model : Choose a doctor from the partner network lists and always consult them first.

With the Standard model, you choose your doctor yourself. The alternative models offer you other advantages: You don’t waste time on unnecessary consultations. You also benefit from premium discounts as you help reduce healthcare costs. 

Do you prefer digital or personal contact?

Would you like to manage your insurance with just a few clicks? Or would you prefer personal support? With us, you will always receive first-class benefits.

Our digital services

  • In your Customer portal you can easily manage your entire family’s insurance from your computer or smartphone: Scan your bills, access your insurance card, track the status of your reimbursements and adjust your contracts at any time.
  • With the Compassana app, you can easily schedule appointments with healthcare professionals, securely manage your medication list and track the progress of your treatments in real time. 
  • With Ada, an artificial intelligence built by doctors, you can check your symptoms quickly and receive information on the possible causes of your symptoms. You can also access to an extensive medical library which provides information on illnesses, their causes, risks, prevention and treatment recommendations.

Our solutions for families

You can manage your insurance coverage for all of your family members in one package. Do you have more than two children? At Groupe Mutuel you receive a 25% discount on the monthly basic insurance premium for each child. Discover all of the advantages for families

Our offers for insured persons

Discover the exclusive LeClub offers for our insured persons. They can help you stay in shape and enjoy special moments with your family. Sport, health, wellness, tourism and leisure – there is something for every taste. 

Talk to us

When looking for the insurance that is right for you, there are various factors that you should consider: Your overall health, how often you use healthcare services, how you prefer to contact healthcare professionals and your budget.

It is not always easy to understand the different options and find the most suitable solution.

Simply contact our insurance specialists for assistance. They will advise you and help you make the best choice.

Do you have any questions? Contact us!

You are insured with Groupe Mutuel and you have questions about your 2024 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 or by e-mail using our form.

0800 808 848

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Optimize your health insurance for 2024

Are you deciding on an alternative model? Or increasing your deductible? This means you can benefit from premium reductions. Discover savings opportunities.

Write to us

You can use our form to contact us by email at any time.

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Visit us

You can use our online tool to easily find your closest agency.

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Frequently asked questions

Yes, anyone legally resident in Switzerland must take out compulsory health insurance within three months of taking up residence or being born. If the person in question does not sign up on their own or if they are not signed up by their legal representative within this period, they will be automatically registered by the canton or commune of residence.

In the event of an unjustifiable delay in signing up to the insurance, interest on arrears will be charged by the insurer.

Most of the gaps in basic insurance can be filled by supplemental insurance. The most significant gaps include the coverage of the costs of dental care, glasses and alternative medicine.

When terminating your basic health insurance contract, make sure that you do this on time in the correct format and that all premiums are paid. Otherwise, the request may be rejected.

Some insurance funds accept terminations by email or fax. However, the safest form of termination is a registered letter:

  • Submit your request in writing
  • Date and sign it
  • Send your application by registered mail
  • If the termination request concerns several insured persons, each adult insured person must sign it
  • Pay all bills for premiums and contributions. You have until the actual termination date to make any outstanding payments.

Basic insurance is mandatory in Switzerland. Therefore, your termination will only become effective once you have received proof of insurance from your new health insurance fund.

The notice periods for basic health insurance are stipulated in the KVG. They are the same for all health insurance providers in Switzerland.

  • To terminate your insurance: Your request must be received by your insurance provider no later than the last working day of November.
  • To decrease your deductible: Your request must be received by your insurance provider no later than the last working day of November.
  • To increase your deductible: Your request must be received by your insurance provider no later than the last working day of the current year.

Working days are Monday to Friday, excluding public holidays.

Business days are Monday to Saturday, excluding public holidays.

Note: The date is not based on the postmark, but rather the date your insurance provider receives your request. We therefore strongly recommend that you send your application by registered mail.

The notice periods for supplemental insurance are different for each insurance provider. They are stated in the general terms and conditions of the insurance. Would you like to check the notice periods for your contract? Simply contact your advisor or the customer service hotline for your health insurance provider.

Cross-border commuters must have health insurance in Switzerland from their first day of employment. This applies under the bilateral agreements between Switzerland and EU/EFTA member states. If you live in Germany, France, Italy or Austria, you can choose to be insured in Switzerland or your country of residence. This option for cross-border commuters is known as the right of choice.
For more details, please see our dedicated page for cross-border workers

At Groupe Mutuel, you will find a wide range of models for basic insurance and supplemental health insurance. So it may be worthwhile for you to compare health insurance options. Example – basic insurance: You can increase your deductible or choose one of the alternative models instead of the standard model to lower your health insurance premium

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Groupe Mutuel

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