Greater freedom
Do you wish to see your family doctor or go directly to a specialist? With the standard model, you are free to decide which doctor to see first, whatever the circumstances.
Take care of yourself while enjoying maximum freedom!
Basic insurance and free choice of doctor: here are your advantages
- Unlike with an alternative model, the standard model enables you to visit the doctor of your choice, without any requirements or conditions.
- You can go to the specialist of your choice, anywhere in Switzerland, without having to ask for a referral voucher beforehand.
- You can reduce your premium by increasing your deductible and take advantage of the benefits of the model while saving money.
How does the standard model work?
You are free to follow the healthcare provider's recommendations or to choose another medical approach.
By increasing your deductible, you can benefit from a reduced premium. Below you will find a table of available deductible amounts.
Available deductibles
Take advantage of free and optional access to telemedicine
If you wish, you can choose to receive medical advice by telephone from our telemedicine partner Medgate, 24/7.
0848 803 308Useful documents
- Flyer Compulsory health insurance - Standard model
- Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG (CGA LAMal/KVG) | Groupe Mutuel (except AMB)
- Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG (CGA LAMal/KVG) | AMB |
- Special terms and conditions for Standard model with bonus | Groupe Mutuel
Request advice
Do you have any questions about the standard model? Our specialist advisers are here to help.
Frequently asked questions
Yes, anyone legally resident in Switzerland must take out compulsory health insurance within three months of taking up residence or being born. If the person in question does not sign up on their own or if they are not signed up by their legal representative within this period, they will be automatically registered by the canton or commune of residence.
In the event of an unjustifiable delay in signing up to the insurance, interest on arrears will be charged by the insurer.
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 QR-bills, this means that the direct debit has been activated.
In the meantime, if you still receive QR-bills, 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
QR-bills
You can make your payments using QR-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 QR-bills.
- Payment at the post office counter: At the post office counter, you can pay in cash the amounts indicated on the QR-bills.
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. In order not to pass on postage costs to all our insureds, you will be charged the following additional costs if you use this method of payment as part of your compulsory health insurance.
- 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 QR-bills 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.
