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Family doctor model – go directly to your own doctor

The family doctor model is a version of mandatory basic insurance. You always ask your family practice first whenever you have concerns about your health.

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The advantages for you

  • The family practice you know and trust is always your first point of contact.
  • You get a discount of at least 10% on the premium for your basic insurance.
  • Medical advice is available 24/7 on 058 277 77 77.
  • CSS clients can find fantastic offers in the enjoy365 Health Shop and use the active365 app for free.

The family doctor model at a glance

Medical treatment

You choose a family practice, and always go there first.

Low-cost generics

If a generic is available, your family doctor will prescribe it whenever possible.

Go directly to a specialist

You can see an eye doctor, gynaecologist or midwife directly.

Profit Family Doctor Insurance

That’s the full name of CSS’s family doctor model. You'll find it mentioned under this name on the policy.

How the family doctor model works

You like to consult your family practice about health problems but would also like to save on premiums? Then the family doctor model is perfect for you.

What should you do in the event of illness?

Under the family doctor model, you always ask your family practice first. Your own doctor is familiar with your medical history and knows what treatment is best for you.

How much will the premium cost each month?

Premiums depend on where you live, your age and what deductible you choose.

Your premium at a glance

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What you need to know about the family doctor model

Practically nothing will change for you on switching to the family doctor model. Except, of course, that you can save on premiums.

Specialist treatment

If necessary, your family practice will refer you directly to a specialist or hospital. Most doctors automatically inform us of this via digital channels. But not all of them do. Please check with your family doctor whether the practice is planning to notify us of the referral. Otherwise, kindly send us the referral confirmation before treatment begins. No referral is required for eye doctors, gynaecologists or midwives.

Go straight to a therapist if you have a prescription

You can go straight to physiotherapists, occupational therapists, issuers of aids and appliances, pharmacies, Spitex and dieticians with a prescription from your family practice. You don’t need confirmation of referral for this.

What to do in an emergency

You must always go to your family practice first in an emergency. If they cannot be reached, you must contact their locum or the emergency service.

What are the rules?

The rules include always asking your family practice first when you have a health issue you wish to discuss. Don’t forget about the referral confirmation. Under the family doctor model you buy low-cost generics, thus helping to lower healthcare costs. That way, you pay lower premiums.

Anyone not following the rules will face financial consequences. You will have to pay up to CHF 500 per doctor’s bill from your own pocket. If you use original products, additional costs may arise.

Basic insurance benefits

Overview of benefits

Outpatient treatment / classical medicine

Cost coverage according to the tariff, throughout Switzerland, for treatment by recognised doctors, chiropractors, dieticians, midwives, speech therapists, physiotherapists, ergotherapists, nurses and nursing auxiliaries

Outpatient treatment / alternative medicine

Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: Cost coverage according to the tariff, throughout Switzerland, for treatment by recognised doctors with an FMH qualification in the respective field of complementary medicine


Cost coverage without limit to sum or duration in the general ward (hospital/acute-care hospital) in accordance with the current cantonal hospital list

Health promotion / prevention

As stipulated in article 12 of the Health Insurance Benefits Ordinance

Frequently asked questions

The easiest way to find recognised doctors near you is to use the premium calculator or the family doctor search function. You can change your doctor’s practice at any time.

Save the number 058 277 77 77 to obtain free medical advice. If you contact other telemedicine service providers or use apps other than Well or myCSS, you will be billed for their services.

How to save on premiums

Premiums depend on where you live, your age and what deductible you choose.

Higher deductible

The higher the deductible, the lower the premium. How to make the right choice.
Change deductible

Switch model

Change your medical point of contact and pay less.
Switch model

Exclude accident cover

If you work at least 8 hours a week, you can save on premiums.
Change accident cover