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Telmed – advice digitally or by phone

Telmed is a version of mandatory basic insurance. You always ask the Symptom Checker in the Well app or the telemedicine centre first whenever you have concerns about your health.

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The advantages for you

  • Your first point of contact is the Symptom Checker in the Well app or the telemedicine centre.
  • You get a discount of at least 10% on the premium for your basic insurance.
  • Get an initial recommendation and arrange a time frame for treatment with a doctor via the digital Symptom Checker in the Well app.
  • 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.

Telmed at a glance

Arrange an appointment digitally

Book your appointment for a telemedicine consultation via myCSS or the Well app.

Check symptoms

Get a medical recommendation and time frame for treatment directly in the Well app.

Go directly to a specialist

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


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

How Telmed works

Are you happy to get initial advice digitally or by phone? Are you looking to reduce your premium? Then Telmed is ideal for you.

What should you do in the event of illness?

Under Telmed, you always call the telemedicine centre or use the Symptom Checker in the Well app before making a medical appointment.

Check your symptoms digitally

The Symptom Checker in the Well-App gives you an initial assessment in just a few minutes. If you need to see a doctor, you can create a time frame for treatment digitally and then go to your chosen doctor’s practice. There is no need to call the telemedicine centre.

Ask a medical professional

Call the telemedicine centre on 058 277 77 77, where medical professionals are available to advise you round the clock. They will help you determine what treatment you need and set a time frame for it.

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 Telmed

Telmed gives you freedom to act. You have the opportunity to use various digital services in relation to your treatment.

With Telmed, the choice is yours: the Symptom Checker in the Well app or the telemedicine centre.

Time frame for treatment

You need a time frame covering the duration of your treatment. You can get one from the telemedicine centre or via the Well app. The treatment must be administered by the specified medical professional. Notify the telemedicine centre if you get referred.

View time frame in myCSS

You can find all your time frames for treatment in myCSS. It will also show you when a time frame expires and how you can extend it.

Medical dossier

You can share the Symptom Checker results directly with the telemedicine centre. Save other documents in the Well app medical document store and share them with your doctor.

Special treatment

The telemedicine centre will refer you directly to a specialist, for therapy or to a hospital if necessary. You can continue to go to your gynaecologist without a referral for screenings and routine con­sultations during pregnancy. Because basic insurance pays important maternity benefits.

What to do in an emergency

In an emergency, you can go straight to a doctor. You can then report the emergency directly in myCSS or inform the telemedicine centre within 10 days.

What are the rules?

The rules include always using the Well app before seeking treatment, and creating a time frame directly or informing the telemedicine centre. Under the Telmed 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 instead of generic medicines, additional costs may arise.

What does Telmed mean?

Telmed stands for ‘telemedicine model’. You benefit from the knowledge and experience of the telemedicine centre. This enables a high quality of treatment.

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

You can plan an appointment with an eye doctor, gynaecologist, midwife or dentist without having to use the Symptom Checker or call the telemedicine centre.

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