Standard

Freedom in choosing your basic insurance

Standard model provides the freedom you require: it both allows you to choose your preferred doctor in all medical matters and covers the standard benefits according to the Swiss Federal Law on Health Insurance (LAMal/KVG).

Principles

  • I am covered for the benefits according to LAMal/KVG in case of illness, maternity or accident (except if covered by compulsory accident insurance).
  • I can contact the doctor of my choice in all medical matters.
  • I can reduce my premium by increasing my deductible.

Comments

  • I enjoy freedom of choice.

Deductibles

Available Deductibles

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
Standard insurance model

The standard insurance gives you freedom while covering the basic benefits.

  • Would you like to know more about the standard model, its terms and conditions, offers and a deductible amount customised to your needs?

    Our employees are available to advise you.
  • Contact form
Bonus insurance

By choosing this option to the standard model, you will be able to reduce your premium each year. How does it work?

  • Your starting premium is 10% higher. However, each year, if no benefits are claimed, the premium decreases. If the conditions are met for five years, the maximum premium reduction is 45%.

    Please note: The deductible amount available for this product is CHF 300. You may not change your deductible.
  • Contact form
  • Freedom: I am free to choose my doctor in all medical matters.

Calculate your insurance premium online

  • Our online offers system allows you to rapidly calculate your premium, without any obligation on your part. If you accept the offer, simply print it out and send us the proposal form duly signed.

  • 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

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.

As soon as your doctor has been recognised as a general practitioner or specialist, you can go directly to him/her, unless you are covered by an alternative insurance model that provides for different coverage, as per the terms and conditions of insurance.

To pay your bills, you can choose between different payment methods. We recommend using the direct debit system (for bank or post office accounts) or the e-bill.

Direct debit (bank or post office account)
All your bills will be debited directly from your bank or post office account.

  • You have a post office account: Complete and send us the form, by which you authorise us to debit directly your post office account for the different amounts due.
  • You have a bank account: Complete our online form and we will send you the LSV form by which you authorise us to debit directly your bank account for the different amounts due.  Please then return the form to us duly certified by your bank. Please note that registration may take several weeks. If you no longer receive a payment slip with our bills, this means that the direct debit has been activated.

In the meantime, if you still receive bills with payment slips, please pay them as before.

E-bill
If you have an e-banking/e-finance account, your bills will be sent directly to your account and you will only have to validate them. To sign up for this payment method, please go to the website www.ebill.ch

Payment slip
You can pay your bills using the payment slip enclosed with our bills, either via your e-banking / e-finance account, via a payment order or by going to a post office counter.

  • e-banking / e-finance: Simply go to your e-banking/e-finance account, either by scanning the QR code or by entering the information on the payment slips enclosed with our invoices.
  • Payment at the post office counter: At the post office counter, you can pay in cash using the payment slip enclosed with our bill.

    However, please note that for basic insurance, you will be charged an additional fee for using this payment method.

    This is because post office fees represent a cost of around CHF 6,5 million for Groupe Mutuel, which has a direct impact on the insurance premiums of all customers. To keep premiums attractive for all insured persons, we will soon be charging collection fees when a payment is made for Groupe Mutuel via a post office counter.
  • Payments up to CHF 50: CHF 1.20
  • Payments up to CHF 100: CHF 1.60
  • Payments up to CHF 1,000: CHF 2.35
  • Payments up to CHF 10,000: CHF 3.95
  • In addition, for every CHF 10,000: CHF 1.25

Bank / post office standing payment order
Simply order the payment order form from your financial institution, fill it in and send it to your bank/post office with the payment slips so that they can make the payments for you. Please note that depending on the financial institution, this service may incur additional costs.

We strongly advise against the use of standing orders or payment templates as the reference numbers are different for each bill.

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Groupe Mutuel

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