Find your own solution
You can choose the option that best suits your needs from four alternative basic insurance models. Each of these models has its advantages, and each offers you the opportunity to save on premiums.
Optimise your health insurance
Pay less in 2024!
Find out now how you can adjust your basic insurance to your needs and save on your healthcare costs.
You can choose between two models:
PrimaFlex
You are free to choose your first point of contact (pharmacy, telemedicine, or family doctor) and benefit from exclusive prevention benefits.
- Savings of up to 24%
PrimaCare
Upon admission, you are free to choose the doctor who you will consult first.
- Savings of up to 23%
SanaTel
You call the telemedicine partner before undertaking any further treatment.
- Savings of up to 20%
OptiMed
You choose a general practitioner in the list of partner networks and always consult this doctor first.
- Savings of up to 26%
Benefit from a premium reduction of up to CHF 1540 per year
To do this, you can increase the proportion of healthcare costs that you pay for yourself:
- If you don’t often go to the doctor, you can reduce your healthcare costs by choosing a higher deductible. Because you will secure a discount on your premium.
But be careful: This means that you will need to pay for a larger proportion of your medical costs yourself. So before you adjust your deductible, you should consider your financial situation and overall health.
- In contrast, a low deductible reduces the proportion of healthcare costs that you have to pay for yourself. However, it increases your premiums.
The following discounts are available for the different deductibles:
Example: If you increase your deductible from CHF 1000 to CHF 2500, you can secure an annual reduction of up to CHF 1050 on your premium.
For adults:
For children:
More ways to save
Change your fund within Groupe Mutuel
Groupe Mutuel includes six health insurance providers, all of which work independently. This means that their premiums, which are updated annually, are also different.
Depending on your situation, you may be able to reduce your costs by switching funds within Groupe Mutuel as of 1 January 2024.
Help with payment for premiums for basic insurance (subsidies)
Sometimes your health insurance premiums may place a heavy burden on your household budget. In this case, your canton of residence may provide financial support.
- Contact the relevant office in your canton l directly to find out whether and under what conditions you are entitled to support.
- If you have any further questions about financial support, please contact us by phone or using our special financial assistance form.
Avoid the risk of double insurance
Are you returning to work or starting out in your professional life? If you work for your employer for more than eight hours per week, your employer must provide insurance coverage for you for occupational and non-occupational accidents. In this case, remember to exclude your accident cover from your compulsory basic insurance.
Optimise your premium now in your customer area
Easily adjust your insurance premium to meet your needs – directly in your customer area.
Read moreWould you like more information? We are here for you.
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 7:00 p.m. Contact us by phone on our dedicated line for policyholders (free number) or by e-mail using our form.
0800 808 088
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