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CSS Insurance

Mandatory healthcare insurance (standard)

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.


Further details on the standard model

Follow the tips under «Save on health insurance premiums» to choose the insurance product that is best for you.

Do you have any questions?

We're on hand to help! Find a CSS agency near you. Our client advisors will be happy to take time to discuss your personal needs.