Amendment of our Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG (CGA)

The general terms and conditions (CGA LAMal/KVG) are the document that regulates the administrative aspects of the relationship between the insurer and the insured person (payments, contact details, communications). The CGA LAMal/KVG needed to be updated in order to adapt them to the usual practices of the industry, which have evolved in recent years.

The way your basic health insurance works, as well as the benefits to which insured persons are entitled, will not change:

• The way your insurance model works will not change.
• Your premium will not change.
• The medical benefits covered by your insurance remain the same. The benefits of basic health insurance are defined by the Law on Health Insurance (LAMal/KVG) and are therefore identical, regardless of the insurance company and the basic health insurance model chosen.
• If your canton of residence pays part of your health insurance premium, the subsidies to which you are entitled will not be affected by the amendment.
• Your deductible amount remains the same.
• The data exchanged with our partners if you have an alternative insurance model remains the same, in compliance with the Law on Data Protection (LPD/DSG).
• If you had a family doctor model, your family doctor remains the same.
• Your supplemental insurance policies are not affected by this amendment, which only concerns basic health insurance.

The changes to the LAMal/KVG terms and conditions of insurance (CGA) apply mainly to the following points:

• Art. 2, para. 1: the insured person may apply for insurance in writing or by any other means made available by the insurer, with the exception of social networks;
• Art. 3, paras. 4-5: the insurer may charge the insured person for the post office fees incurred in the case of payment at a post office counter or charge the insured person a fee in case of payment by instalments (for more details, please go to the FAQ section and click on the “Pay my bills” tab);
• Art. 3, para. 6: possibility for the insured person to benefit from a discount if he pays his premiums semi-annually or annually (currently only offered to persons insured with SUPRA-1846 SA);
• Art. 4, para. 1: possibility for the insured person to communicate changes to his personal data in writing or by any other means made available by the insurer, with the exception of social networks;
• Art. 6 (a): the insured person may submit invoices via the online Customer Area (desktop or mobile application);
• Art. 7, paras. 1-5: the insured person may terminate insurance or make changes to his contract in writing or by any other means made available by the insurer, with the exception of social networks;
• Art. 7, para. 5: possibility for the insurer to legitimately send documents to the insured person via the Customer Area if the insured person has agreed to this method of communication.

You can download your new terms and conditions of insurance below:

• Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG - Mutuel, Philos, Avenir and Easy Sana
• Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG - SUPRA
• Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG - AMB
• Supplemental Executory Provisions for Compulsory Health Insurance under LAMal/KVG - CMVEO

The contents of the new CGA LAMal/KVG are identical regardless of the insurer. 

You can also receive them by calling us on 0848 803 111 (national rate on the Swiss fixed network / rate according to your operator on the mobile network and abroad) or by visiting one of our agencies open from Monday to Friday from 8.00 to 12.00 and from 13.30 to 17.00

Should you need further information about this amendment, we are available:

• via the contact form
• by phone on 0848 803 111 Monday to Friday from 8.00 to 18.00 (Swiss fixed network rate / your operator’s mobile network).
• in our agencies open from Monday to Friday, 8.00 to 12.00 and from 13.30 to 17.00.