Which model suits you?
Seven questions, one click per question. You get the right insurance model with reasons and go straight to the premium comparison for that model. The benefits of basic health insurance are the same in every model; only the route to the doctor and the premium differ.
What is your relationship with doctors like?
Are you happy with an initial consultation by phone or app?
How often do you need treatment?
Only used for the recommendation, not stored.
Are you often away (travel, weekly stays elsewhere)?
Are you also insuring children?
Do you want to decide case by case whether to call first or go to the practice?
How important is a low premium to you?
Your result
7 questions still open. Answer them all and you will see the right model with reasons.
All models at a glance
In 2024, according to the FOPH, 79.8% of insured people aged 19 and over and 83.1% of children were in a model with restricted choice, i.e. not in the standard model (source: FOPH: Statistics on compulsory health insurance 2024, tables T 7.08 and T 7.09 (as at 22.05.2025)).
- Standard modelIn the standard model you go directly to any authorised doctor in Switzerland, including specialists, without a detour.
- GP and HMO modelIn the GP model you first go to the GP you have chosen when you have a complaint; in the HMO model you first go to a specific health centre.
- Telemedicine modelIn the telemedicine model you first call a telemedicine advice service or get in touch via an app before every doctor’s visit.
- Pharmacy modelIn the pharmacy model a pharmacy is your first point of contact when you have a complaint.
- Flex modelIn the flex model you can choose between several first points of contact, for example your GP practice or a telemedicine service.
Frequently asked questions
How does the model finder pick my model?
Each answer gives points to the five models, for example the question about your GP to the GP model, or the question about an initial consultation by phone to the telemedicine model. The model with the most points is the recommendation; you see the reasons below it. It is a guide, not advice.
Are my answers stored?
No. The answers are only in your browser’s address bar so that you can share the result. We store nothing and do not ask for health data.
Is a savings model sensible for people with chronic illnesses?
Often yes, if a GP practice coordinates the treatment. If you see many different specialists directly, you are freer in the standard model. The benefits are the same in every model (Art. 41 para. 4 KVG).
What happens if I do not follow the rules of the model?
If you see a doctor without following the required route, the insurer does not have to pay for that treatment (Art. 41 para. 4 KVG). Many insurance conditions also provide for exclusion from the model after repeated breaches. Emergencies are always exempt.
Sources
- Federal Health Insurance Act (KVG), Art. 41Art. 41 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 62Art. 62 KVGfedlex.admin.ch
- Health Insurance Ordinance (KVV), Art. 99–101aArt. 99–101a KVVfedlex.admin.ch
- FOPH: Health insurance, special types of insurancebag.admin.ch
- FOPH: Statistics on compulsory health insurance 2024, tables T 7.08 and T 7.09 (as at 22.05.2025)bag.admin.ch
- FOPH: health insurance premiums, opendata.swissopendata.swiss
Calculation based on the 2027 premiums approved by the FOPH, as at 15.10.2026, source: FOPH, health insurance premiums, opendata.swiss. Only the insurer’s quote or policy is binding. The model descriptions and rules are general information, not individual advice; your insurer’s insurance conditions are binding. Methodology: How we calculate.