The standard model is the default option for mandatory basic insurance. In contrast to alternative insurance models, this model does not limit your choice of service provider. That means that you have a free choice of doctor within Switzerland and can go straight to a specialist if you need to.
Our products for you: Mandatory Healthcare Insurance & MINIMA
Benefits of the standard model
Free choice of doctor at any time throughout Switzerland
If necessary, you can consult a specialist directly
In an emergency, you can contact the CSS telemedicine centre 24/7
Premiums & discounts
Premiums depend on where you live, your age and what deductible you choose. Unlike the family doctor and HMO models, and Telmed, no discount is granted on the standard model. In return, you have a free choice of doctor within Switzerland.