Basic insurance is compulsory and guarantees comprehensive basic medical care for everyone. It covers costs caused by illness, accidents or maternity.

The benefits of basic insurance are the same at every health insurance company. The premium differs from provider to provider and varies according to where the insured person lives, how old they are, which insurance model is chosen, and the selected deductible. In larger cities, like Zurich, Bern or Geneva, premiums are higher than in rural areas or smaller towns.

Insurance model

For basic insurance, you choose a model that best suits your needs. Different models come with different premiums.

• Traditional model: Free choice of physician
  You decide on the doctor you trust and are able to go directly to a specialist.
• General practitioner model:
  Your family doctor or a group practice is your first point of contact.
• Telemedicine models:
  You always contact Medi24 first – by phone or via chat.

• Combined model: general practitioner or telemedicine

  You are free to choose: You contact your family doctor or Medi24.

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