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Multimed – family doctor and Telmed combined

Multimed is a version of mandatory basic insurance in which you always call your family doctor or the telemedicine centre first. Your treatments will be perfectly – and digitally – coordinated.

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The advantages for you

  • You have two partners: the Multimed family doctor and the telemedicine centre.
  • Medical advice is available 24/7 on 058 277 77 77.
  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • You get a discount of at least 13% on the premium for your basic insurance.

Good to know

Would you like to lower your retention fee? And are you happy to consult with your family doctor or someone by phone first? Then we recommend the Multimed model.

Treatment by a doctor
Go directly to your Multimed family doctor or call the telemedicine hotline first.
Arrange an appointment digitally
Book your telemedicine appointment online via myCSS.
Go directly to a specialist
You can see an eye doctor, gynaecologist, dentist or midwife without giving us prior notice.

How Multimed works

Two points of contact for you

You have two partners: the Multimed family doctor and the telemedicine centre. You are free to decide which is the right point of contact for you at any particular moment – because both of them are familiar with your medical history.

Treatment by a specialist

If further investigations are needed, the coordination partner responsible may refer you to a specialist.

In an emergency

In emergencies, call the telemedicine centre or contact your Multimed family doctor. If they cannot be reached, contact their locum or the emergency service.

Your premium at a glance

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Basic insurance benefits

Overview of benefits

Outpatient treatment – classical medicine

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

Outpatient treatment – alternative medicine

Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: costs are covered according to the tariffs prevailing in the canton of residence or at the place of work for treatment by recognised doctors with an FMH qualification in the discipline of complementary medicine


Cover for all costs in the canton of residence according to the HIA (public hospital/acute hospital), unlimited as to sum or duration in a general ward

Health promotion/prevention

In accordance with Article 12 of the Ordinance on Compulsory Health Insurance Benefits

Benefits abroad

Cover for costs incurred in emergencies for outpatient or inpatient treatment on a general ward up to a maximum of twice the tariff of the canton of residence in Switzerland. Special conditions apply in EU states (incl. Iceland, the Principality of Liechtenstein and Norway) as determined in the bilateral agreements


Medically prescribed medication on the list of generic drugs maintained by the Federal Office of Public Health (FOPH), the list of medicines with tariffs or the specialities list

Spa cures/convalescence cures

Spa cures: CHF 10 per day, 21 days per year plus medical costs
Convalescence cures: only medical costs


Eight check-ups, two ultrasound examinations for a normal pregnancy, home birth or hospital birth, max. CHF 150 for prenatal courses, max. three sessions for breastfeeding advice


Contributions to aids in accordance with the official aids and appliances list compiled by the Federal Office of Public Health (FOPH)

Preventive examinations/vaccinations

Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.

Transport and rescue costs

Cost of transport: 50% of costs, max. CHF 500 per calendar year
Cost of rescue: 50% of costs, max. CHF 5,000 per calendar year (Switzerland)

Glasses/contact lenses

Up to 18 years of age: CHF 180 per year with a medical prescription

Home nursing/care in a nursing home

Costs are covered for examinations, treatment and nursing care prescribed by a physician and carried out at home or in nursing homes by recognised Spitex organisations

Dental treatment

Costs are covered for serious jaw disease or if treatment becomes necessary because of a serious general illness. Initial treatment in case of accident (if accident cover included)


Costs for psychotherapy by a doctor

Frequently asked questions

Can I go straight to a specialist?

No. Your Multimed family doctor or the telemedicine centre is your first point of contact. If you require specialist treatment, you will be referred by your chosen point of contact. If you do not stick to the rules, it will not be possible to reimburse your treatment costs.

Can I change my Multimed family doctor?

You can change your Multimed family doctor at any time. Please notify us of your new doctor.

Is my family doctor recognised?

The easiest way to find recognised doctors near you is to use the premium calculator or the Multimed search function.

Who coordinates my treatment?

Both points of contact – the exchange of information between the Multimed doctor and the telemedicine centre means you get the best possible treatment.

Do I have to report an emergency?

Yes. Please notify the telemedicine centre or your Multimed family doctor within 10 days of receiving emergency treatment. Or you can report the emergency digitally via the myCSS client portal.

How do I submit a doctor's bill?

Pay the bill and send us the refund form. It couldn’t be easier!


Personal advice

Get in touch for a personal consultation.

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. What deductible would you like?
Change insurance
Switch model
Change your medical point of contact and pay less.
Choose option
Exclude accident cover
Do you work at least eight hours a week? Then you can save on premiums.
Change accident cover
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