The basic insurance only covers the services given in the policy-holder’s canton of residence, except for imperative medical reasons, when the necessary care cannot be given in the canton of residence (complex operations such as transplants etc.) or if the policy-holder receives emergency care outside his canton of residence. This is also valid during short-term stays abroad.

Premiums for the basic insurance vary according to the age and residence of the policy-holder.

There are 3 categories of premiums:

Children (up to 18 years old)
Adults
Young studying adults (up to 25 years old)

Policy-holders must pay a part of the costs for care services refunded by the basic insurance, except for all pregnancy-related care. This part is called insurance deductible.