BASIS – free choice of your own doctor

Out-patient treatment by doctors certified nationwide, chiropractors and medical support staff (nurses, physiotherapists etc.), if prescribed by a doctor / full coverage at the place of residence or work.

In case of an emergency while abroad, you will receive benefits in the EU/EFTA countries upon presentation of your insurance card in accordance with the tariff of the respective country. In all other countries, we will refund a maximum of twice the amount insured in Switzerland.

A contribution of CHF 10 per day is paid for a maximum of 21 days per year for a medically prescribed spa treatment if this is carried out in an approved spa.

Conditions:

• Spa treatment is prescribed by a doctor.  
• Spa treatment must take place for medical reasons.
• The location of the spa treatment has been approved.

In the case of care at home, the expected need for care is determined based on the time required from care professionals. Payment is made in accordance with the statutory contribution in Swiss francs. The precondition is that Spitex (nursing care at home) is prescribed by a doctor and that the selected Spitex organization or nursing specialist is qualified and approved.

You receive the costs up to a statutorily determined maximum amount. The cost contribution is granted if a doctor prescribes an aid that is listed under the list of aids and appliances (MiGeL) (e.g. blood glucose meters, crutches, support stockings). In addition, the aids must be obtained from an authorized delivery point.

You are granted cost contribution for the following alternative medicine methods:  

• Acupuncture
• Phytotherapy
• Anthroposophic medicine
• Traditional Chinese Medicine (TCM) drug therapy
• Classical homeopathy

Precondition:  

Your doctor is in possession of a recognized certificate of competence of the Swiss Medical Association (FMH) for these methods.

You will be reimbursed for the costs of medically prescribed medicines that appear on the specialties list (SL).

If several medicines with the same composition of active agents are listed, the excess may amount to 20%.

Basic insurance covers the costs of a stay in a nursing home, whereby the tariff is determined according to the degree of need for care, which is clarified upon admission. However, board and lodging costs are not covered by basic insurance and must be paid additionally. 

Compulsory health insurance covers the costs of various measures that help protect your health (prevention), in particular: vaccinations, gynecological check-ups, mammography, colon cancer screening, etc.  

The requirements are defined in the Health Care Benefits Ordinance (KLV).

In case you would like to know which preventive measures are covered by basic insurance, please let us know - we will be pleased to inform you personally.

Stay and treatment in an acute care hospital / full coverage on the general ward of the acute care hospital in the canton of residence (in accordance with the hospital list)

180.- per year until the age of 18, with a doctor’s prescription. 

Medically necessary emergency transport / rescue / 50%, up to CHF 500.– per year for transport costs / 50%, up to CHF 5'000.– per year for rescue and recovery costs.

Damage to teeth caused by an accident / full coverage
Severe disease of the masticatory system / full coverage