Basic insurance
Compare & Save
- In less than 2 minutes
- Basic and supplementary insurance
- Save up to CHF 970 per year
What does the basic insurance include?
Basic insurance is a legally required health insurance in accordance with the Health Insurance Act (KVG) in Switzerland. It includes certain services provided by health insurance companies. Basic insurance is not profit-oriented and is subject to supervision by the Federal Office of Public Health (FOPH). There are currently 65 health insurers approved by the FOPH to provide these services.
Some health insurance companies operate only regionally. If an insured person moves to a neighboring canton, he or she must register with a new health insurance company. Since the 1990s, Switzerland has had an alternative model, such as the group practice, telephone and family doctor model. Under this model, when an insured person becomes ill, he or she first visits the primary care physician, contacts medical personnel by phone, or goes to a group practice. This model was introduced to reduce costs for insurers by avoiding duplicate treatments and unnecessary treatment costs associated with specialist visits.
The classic insurance models
The classic insurance models in health insurance include the free choice of doctor, the practice model, the family doctor model and the telephone model. Each of these models offers different advantages and disadvantages, as well as individual premiums.
With free choice of doctor, you have the option of going directly to any doctor without a prior consultation with a primary care physician. However, this flexibility can lead to higher premiums.
The practice model gives you access to a specific group practice or network of physicians. This gives you closer medical care and, in some cases, lower premiums.
Under the primary care model, you must first consult your primary care physician, who will then refer you to a specialist if necessary. This model aims to avoid unnecessary visits to specialists and reduce costs.
The telephone model offers you the possibility of receiving medical advice by telephone or online communication. This can save you money by avoiding the need to visit a doctor in person in many cases.
Choosing the appropriate insurance model will allow you to reduce your premiums and save money. It is important to carefully weigh the pros and cons of each model and consider your individual needs to make the best decision.
Health InsuranceComparison-Online.ch
Comparing your current health insurance with our offers can really pay off.
It is advisable to compare your current health insurance with our Groupe Mutuel offers. Because you may be able to benefit from better conditions, attractive benefits and lower premiums. We have carefully reviewed various options to provide you with the best deals.
Take the time to compare your health insurance with our quotes to ensure you find the best fit for your individual needs. A comparison can help you identify potential savings and choose the insurance plan that best suits you.
Do not miss the opportunity to benefit from our attractive offers. Compare your current health insurance with our offers today and discover the benefits we can offer you.
Frequently asked questions about basic insurance
When should you change health insurance companies?
It is advisable to check your health insurance at least once a year and change if necessary if you find better offers or benefits. Special occasions such as a job change, family planning or illness can also be a reason to review and, if necessary, change health insurance providers.
Which health insurance is the best?
There is no clear-cut answer to the question of which health insurance is best, as this depends on individual needs and preferences. However, a health insurance comparison can help you find the best health insurance plan for you.
If you are looking for a top health insurance company, you should definitely try GroupeMutuel – one of the best health insurance companies on the market.
Why should you change health insurance companies?
There are many reasons why you can switch health insurance companies, such as better benefits, lower premiums or better customer service. It’s important to review your health insurance regularly to make sure you have the best possible health insurance for your needs.
What are health insurance premiums?
Health insurance premiums are the monthly costs that must be paid for health insurance. The amount of the premiums depends on various factors, such as age, gender and the scope of benefits provided by the health insurance company.
How to change the health insurance company?
Changing health insurance is simple and straightforward. You can request the switch online or by phone. It is important that you have the necessary documentation, such as your health insurance card, ready. A health insurance comparison can help you find the best health insurance for your needs and make the switch as easy and quick as possible.
