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Basic insurance benefits are of crucial importance. They cover basic services such as visits to the doctor, medication, hospital stays and even certain therapies.
Basic healthcare costs are covered and are identical for all health insurance companies.
You can choose freely.
Each fund must accept everyone without restrictions.
Premiums vary greatly depending on the health insurance company and place of residence.
Under basic insurance, an annual deductible must be paid before the insurance takes effect. After that, there is a deductible, a percentage of the costs (10%) that exceed the deductible. The higher the deductible, the lower your monthly premiums will be. It’s important to compare the different options and choose the deductible that suits you best.
With Foxana you can find the right health insurance in just a few steps.
Only with us: there is a special filter function for families.
Select your current insurance and enter a few administrative details.
Use our calculator to compare the various health insurance offers.
Get a non-binding quote for the desired offer.
The benefits are defined by law – However, there are gaps that lead to high costs. Certain treatments or services are not covered.
Basic insurance only covers the costs of a stay in a general ward in the canton of residence. Persons with basic insurance cannot choose the hospital and doctor themselves.
The basic insurance only covers a small part of the transportation costs. Repatriation from abroad is not insured. In an emergency, this can have serious financial consequences for you.
Only the costs of illness, maternity or accident are insured. Services such as fitness, visual aids, therapies and massages are not covered. Prevention and well-being are neglected.
There is no such thing as the cheapest model.
With the exception of the standard model, all models lead to discounts. The budget responsibility of the model is decisive for the amount of the discount depends on the provider. It is best to compare all models regularly.
The prices for basic insurance depend on various factors:
These factors are taken into account each year when calculating the premium for the following year.
There are different premium regions both cantonally and within the individual cantons. Each health insurance company calculates the premiums separately for each region and this leads to different premiums depending on the canton. If a region has better access to medical care, this leads to higher benefit expenditure, which in turn increases the premiums.
Since 2017, a few methods of complementary medicine have been covered by your basic insurance. These include acupuncture, anthroposophic medicine, homeopathy, phytotherapy and traditional Chinese medicine. As usual, you contribute to the costs via the deductible and excess and the treatment must be carried out by a doctor (Dr. med.). Other therapists are not covered.
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With so many options, it can be difficult to find the perfect basic insurance to suit your needs. Foxana will quickly and easily find the best solution for you and your loved ones.
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