The standard model at a glance
The distinctive feature of the standard model, often also known as the “traditional” model, is that it gives you a free choice of doctor anywhere in Switzerland.
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Full flexibility: If you need to, you can contact a specialist without a referral.
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Free, round-the-clock telemedical advice with Medi24 and the Well health app.
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Compared to other models, you benefit from greater flexibility: you do not have to report doctor or hospital visits after an emergency.
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The standard model also provides for an additional termination date of 1 July; this applies if you have a deductible of CHF 300.
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Includes health legal protection insurance.
You can get medical advice at any time of the day or night by calling Medi24 on 0800 633 225. You can also access digital services round the clock using the Well app.
Discounts with the standard model
Here are some of the ways you could save:
If you work for the same employer for more than eight hours a week, you are insured against non-occupational as well as occupational accidents. This means you can exclude accidents from your basic insurance.
Basic insurance offers selectable deductibles in addition to the standard annual deductible of CHF 300. People aged 19 and over who are insured with Visana can choose a deductible of CHF 500, CHF 1,000, CHF 1,500, CHF 2,000 or CHF 2,500. The higher the deductible chosen, the greater the discount. By choosing the right insurance model and deductible for their needs, policyholders can calculate their premium in such a way that they can manage their annual total cost contribution risk.
If you choose to pay your premium every six months, you will get a discount of 1%. This rises to 2% if you pay annually.
Is the standard model right for you?
The standard model is suitable for you if you:
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feel it is important to have an independent choice of doctor or specialist;
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want direct access to specialists without requiring a referral;
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want comprehensive coverage.
How the standard model works
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You have a free choice of doctor if you experience health problems or need medical services.
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Moreover, you can consult a specialist directly without needing a referral.
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The costs of hospitalisation in hospitals included in the list of hospitals for your canton of residence are covered in full. The hospital will invoice Visana directly, after which we will invoice you for your contributions, such as your deductible and retention fee.
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In an emergency, go straight to an emergency doctor or hospital. The standard model offers a free choice of doctor and covers all hospitals in Switzerland.
Exceptions and obligations
This traditional basic insurance model lets you decide which medical practitioner you consult. Without any referral or reporting obligation.
Elective inpatient treatment in hospitals not listed in the list of hospitals for your canton of residence may incur additional costs.
Your advantages with the standard model
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Free choice of doctor throughout Switzerland
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Book appointments directly with specialists
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Free medical advice around the clock – via the Well app
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Health legal protection insurance included
We will be happy to take the time to explain the advantages of the various basic insurance models to you at no obligation.
Useful services for you
Cleverly insured, optimally supported. These services assist you:
You can easily upload invoices and reimbursement receipts via the myVisana app or myVisana customer portal.
With ‘Emergency-Finder’, you are optimally equipped in critical medical situations. This app helps you to assess your symptoms correctly and shows you the nearest emergency ward in real time, along with its current capacity.
The cost-free service is available in the City of Bern and the surrounding metropolitan area.
See at a glance which benefits your basic insurance covers and what additional advantages our top-up insurance models offer.
Insurance that complements this product
Frequently asked questions about the standard model with free choice of doctor
The standard model is the traditional basic insurance model. Although the benefits are defined by law and standardised across all basic insurance models, there are additional rules and obligations that depend on the chosen model.
In the standard model, you have complete freedom of choice regarding your doctor and clinical pathways, but you do not benefit from the attractive premium discounts that you would get with alternative basic insurance models.
The free choice of doctor in the standard model means that you decide whom to consult for medical treatment. You can choose your doctor or specialist yourself, anywhere in Switzerland.
No. In any basic insurance model, only hospital stays in a multi-bed room at a hospital on the list of hospitals for your canton of residence are covered. You are not free to choose your treating physicians. In contrast, hospital top-up insurance gives you a free choice of hospital and doctor, anywhere in Switzerland.
You can save on premiums by adjusting the deductible to suit your requirements. For more tips on how to save on basic insurance, see our ‘Saving and optimising’ page.
Alongside basic insurance with free choice of doctor, there are various alternative models that offer attractive premiums:
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Conditions of insurance
Overview of benefits
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