Which 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). It is the way they operate and their premium amounts that set them apart.

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 person’s canton of residence
Understanding the Swiss health insurance system

How health insurance and its different models work in Switzerland? Find out about the Swiss health insurance: how does it work, who is it for and what are its specificities

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.

In just one click, thanks to your Extranet

Add or remove the accident risk from your basic insurance and that of your family members directly online, from your computer or smartphone.

Go to

Different premiums

While benefits are the same from one health insurance to another, premiums vary considerably. These 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.

Request advice
  • By phone

  • 0800 808 848 (freephone number)
    08.00 – 18.00 from Monday to Friday, except on public holidays

  • By email

  • Form to request a contact

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

To meet your needs and help you pay less, we have designed four 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;
  • pharmacies: you go to one of our partner pharmacies before seeing a 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.

Request advice
  • By phone

  • 0800 808 848 (freephone number)
    08.00 – 18.00 from Monday to Friday, except on public holidays

  • By email

  • Form to request a contact

Increase your deductible

Another way to reduce your premiums is to increase your deductible. The higher the deductible, the lower your premiums will be.

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

Deductibles : Adults and Children

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 just one click, thanks to your Extranet

Change the deductible amount, for you and your family members directly online, from your computer or smartphone.

Go to
Request advice
  • By phone

  • 0800 808 848 (freephone number)
    08.00 – 18.00 from Monday to Friday, except on public holidays

  • By email

  • Form to request a contact

Change your insurance model easily

Have you found the health insurance model that is right for you? You have until the last business day of November to change your contract.

  • Send us a dated and signed request by email (PDF format) or by post.
  • Include the contact details of the person concerned: first name, name, client No. or AVS/AHV No., preferred alternative model.
  • If you choose a model with a family doctor or general practitioner, please provide us with the name of the doctor you have chosen.

In just one click, thanks to your Extranet

Manage your insurance and that of your family members directly online, from your computer or smartphone.

Go to

If you are using our platforms, the change can be made directly online.
On GMnet, go to Contracts > Change my contracts > Change insurance model
For GMapp, choose the menu Contacts > Write to us > General questions

Request advice
  • By phone

  • 0800 808 848 (freephone number)
    08.00 – 18.00 from Monday to Friday, except on public holidays

  • By email

  • Form to request a contact

Frequently asked questions

In accordance with Article 3 of the Swiss Federal Health Insurance Law (LAMal/KVG), any person residing in Switzerland is obliged to take out health insurance within three months of birth or taking up residence in Switzerland. If a person does not sign up for insurance, the cantonal or communal authorities will register that person automatically.

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.

You can suspend your basic health insurance as soon as you receive your marching order or confirmation of civilian service due to last more than 60 consecutive days. Send us a copy of the document by post or using our notification form. At the end of your service, please send us the certificate of incorporation or a copy of the service booklet in order to confirm the suspension of your insurance. We will then cancel any invoices that will have been stopped during the service period.

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Groupe Mutuel

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