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).


  • 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.


  • I enjoy freedom of choice.


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

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.

You have a postal account:
Complete and send us the “Direct Debit” form , by which you authorise us to debit directly your postal account for the various amounts due to us.

You have a bank account:
Complete our online form and we will send you an LSV form. Please return it to us duly certified by your bank.
We will not be able to change the method of collection of future invoices until we have received the authorisation from your bank. In the meantime, you may still receive invoices. In this case, please pay them as before, using the payment slips sent previously.

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Groupe Mutuel

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