An alternative insurance model to suit your needs

Pharmacy, telemedicine or family doctor: you decide! Discover the only basic health insurance in Switzerland that actively promotes health prevention and rewards your choices by offering attractive premium discounts and not charging the deductible on certain benefits.

Discover in video our new and innovative alternative model


  • In the event of a health problem, on a case-by-case basis, I choose my first point of contact for an advice session (telemedicine or pharmacy).
  • I am free to decide on the course of treatment after the advice session.
  • I can also go directly to my family doctor, if I have registered one with Groupe Mutuel.
  • I can enjoy deductible-free benefits as well as exclusive services. For more details, go to My advantages at the top of the page.


  • I do not have to refer to a first point of contact in the following cases:
    • in the event of an emergency;
    • for gynaecological check-ups and treatments and treatments related to pregnancy and childbirth;
    • for eye, dental and paediatric check-ups and treatments;
    • for the follow-up of a chronic illness (you must send us a one-off certificate signed by a doctor).



The ordinary deductible is CHF 300.– for adults and CHF 0.– for children.
I can reduce my premium by increasing my deductible.

Deductibles : Adults and Children

My advantages

  • Flexibility: I am free to choose my preferred first point of contact (pharmacy, telemedicine, or family doctor) in any situation.
  • Savings: I am able to enjoy an attractive discount as well as benefits not included in the deductible (e.g. generic drugs).
  • Prevention:  I can benefit from health prevention offers by calling the telemedicine partner (e.g. breast cancer screenings without deductible).

Benefits without deductible

  •  The following benefits are not taken into account under the deductible, provided that the criteria for coverage by basic insurance are met:
    • Purchase of generic drugs
    • Pharmacy package, if at least one generic drug is included in the invoice.
    • Breast MRI
    • Mammographies
    • Breast ultrasounds

Exclusive service for breast cancer screening

  • One in eight women will be diagnosed with breast cancer during her lifetime and 23% of diagnoses occur before the age of 50. Thanks to PrimaFlex, I can contact the telemedicine partner free of charge in order to reduce morbidity and mortality risks due to breast cancer.

Exclusive services in partner pharmacies

  • Partner pharmacies can offer the following exams free of charge when considered necessary by the pharmacist:
    • In-depth discussion, including selected diagnostic tests (e.g. ear test) if required and, if necessary, the delivery of prescription medication without a prescription. If there is no prescription, the insured person will have to pay for the medication
    • Exam to detect the risk of diabetes
    • Exam to assess the risk of cardiovascular disease
  • Find out more about PrimaFlex's deductible-free benefits and exclusive services, as well as the steps to use them, in the related lists, by selecting “Documents to download” at the top of the page.

Calculate your insurance premium online

  • With our online offers programme, you are able to calculate the premium for the health coverage of your choice. You may save your offer or ask to receive it, without any obligation on your part. You can also conclude your insurance directly online.

  • Calculate my premium in the online offers system

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

Health insurers involved

This insurance product is available at the following Groupe Mutuel health insurers:

  • Avenir
  • Philos
  • Mutuel
  • EasySana
  • Supra

Frequently asked questions

This model is an alternative to the standard model of basic insurance. You will receive the same benefits as under the standard model of basic health insurance but will pay a lower premium. In exchange, in the event of a health problem, you undertake to choose a prior approach that suits you best according to your situation:

  • contact our telemedicine partner on 0800 852 852 for an advice session
  • visit one of our partner pharmacies for an advice session
  • consult your family doctor directly if you wish, provided you have given us the doctor’s details beforehand.

If you choose to receive advice from our telemedicine partner or in a pharmacy, you will now be free to decide, after having received the advice, on the next steps of your medical treatment during the time window defined by the telemedicine partner or partner pharmacy.

And if you choose to consult your family doctor directly and he refers you to a specialist, you must ask the doctor to issue a brief certificate, also called a "referral voucher" (a simple signed note is sufficient, mentioning the type of specialist recommended and the period of validity of the certificate). You can then send it to us by post or via your online Customer Area (if you prefer, you can also ask your doctor if he agrees to send it directly to us).

Yes, you are exempted from contacting one of the above-mentioned first points of contact in certain special cases (e.g. in case of emergency or for consultations with a gynaecologist, ophthalmologist, etc.). The list of special cases can be found in your special terms and conditions of insurance.

No, you are free to buy your prescription drugs at the pharmacy of your choice (even if it is not a PrimaFlex partner).

See all FAQs
Groupe Mutuel

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