Find the perfect health insurance for your basic insurance.

Foxana is clever and compares – You can do that too! Achieve the optimum balance between costs and performance with just a few clicks. Only with Foxana’s unique comparison service.

The services of the Basic insurance

Basic insurance benefits are of crucial importance. They cover basic services such as visits to the doctor, medication, hospital stays and even certain therapies.

Benefits are the same for all health insurers

Basic healthcare costs are covered and are identical for all health insurance companies.

Recording without restrictions

You can choose freely.
Each fund must accept everyone without restrictions.

Nevertheless, different premiums

Premiums vary greatly depending on the health insurance company and place of residence.

Cost sharing in the Basic insurance: you should know!

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.

In 3 steps to the right Basic insurance

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.

Compare offers

Use our calculator to compare the various health insurance offers.

Get a quote

Get a non-binding quote for the desired offer.

Do you know these gaps in the Basic insurance already?

The benefits are defined by law – However, there are gaps that lead to high costs. Certain treatments or services are not covered.

Hospitalization

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.

Transportation and abroad

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.

Prevention and well-being

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.

The most frequently asked questions & answers about Basic insurance.

  • Standard model: You have the freedom to choose any doctor or specialist directly.
    This model offers you maximum flexibility, but leads to high premiums.
  • General practitioner model: You have a regular GP who is your first point of contact.
    The GP will refer you to specialists if necessary.
  • HMO model: Your first port of call is an HMO practice (various doctors and specialists under one roof).
    If necessary, this HMO practice will refer you to other specialists.
  • Telemedicine model: Your first point of contact is the telephone consultation.
    They will help you with health issues and coordinate further treatment.
  • Pharmacy model: You must first visit a pharmacy.
    The pharmacist can advise you on minor complaints and refer you to a doctor if necessary.
  • Combi models: A combination of different models.
    Is becoming increasingly popular in practice.
    The discount is often highest with such models.

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:

  • Health insurance fund expenditure on benefits
  • The administrative costs
  • Risk equalization

 

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.

Do you have another question that has not been answered above? Then simply get in touch with us! We will be happy to help you.

They all have their Basic insurance found about Foxana:

Get a quote now & clarify questions

Your details are 100% secure with us. It will only be used if necessary in connection with your request.

There are so many Basic insurance - But which is the right one?

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.

Articles that might interest you: