Reduce the retention fee and cut costs
People with a chronic medical condition or who need to see a doctor frequently for other reasons often have high healthcare costs. With the flexible Multimed basic insurance model you pay a lower retention fee and thus save on spending.
Cutting costs: Do you have the right basic insurance?
You've only just been to see the doctor and now you have to go again. If you have a chronic condition like rheumatism, asthma or diabetes, or require rehabilitation following an accident, you need time and patience – especially as there are many medical check-ups and doctor's visits involved. Finding the right model of general health insurance is key to ensuring your share of the costs doesn't get out of hand.
The Multimed model is ideal if you have to go to the doctor for regular check-ups.
Advantages of the Multimed model
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Reduced retention fee: just CHF 400 max instead of CHF 700 a year.
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Discount: at least 16% on the premium for basic insurance.
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A telemedicine appointment can be booked easily online via myCSS.
- Call 058 277 77 77 for free medical advice.
Lower the retention fee by CHF 300
It's important to take the strain off your own budget. CSS has a suitable solution in the form of the Multimed model: this flexible variation of basic insurance comes with a reduced retention fee, thus helping people who are chronically ill – or who have to spend a lot on healthcare for other reasons – to keep their co-payment within reasonable limits.
Chronic medical condition: your Multimed point of contact
Insured persons contact either their Multimed family doctor or the telemedicine centre first. They decide for themselves which of the two to contact; both are equally familiar with their medical history. Once the deductible amount has been reached, CSS pays a share of all further costs above this. The retention fee is 10%, but is capped at CHF 400 rather than CHF 700.
Health insurance co-payment
People often confuse the deductible and the retention fee. Insured persons generally pay a share of the cost of medical services covered by their general health insurance. This co-payment mainly consists of the deductible, an annual amount of between CHF 300 and CHF 2,500. Once the deductible you have chosen is reached, you pay 10% out of your own pocket towards any further healthcare costs you incur, up to the specified maximum amount. This is the retention fee.
Choose your basic insurance
Go directly to your family doctor
Family doctor model
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The family doctor you know and trust is your main point of contact.
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Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
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At least 10% premium discount.
Recommendation
All the benefits of a doctors’ network
HMO model
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The chosen doctor’s practice from the medical network or the group practice is your first point of contact.
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You can see an eye doctor, gynaecologist or midwife directly.
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14–16% premium discount.
Ideal for high medical bills
Multimed
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The Multimed practice, telemedicine centre or Well app is your first point of contact.
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You can see an eye doctor, gynaecologist or midwife directly.
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Premium discount of at least 16% and CHF 300 less as a retention fee.
Advice digitally or by phone
Telmed
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Your first point of contact is the Well app or the telemedicine centre.
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You can see an eye doctor, gynaecologist or midwife directly.
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At least 10% premium discount.
Free choice of doctor
Standard model
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Free choice of doctor throughout Switzerland.
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Make an appointment directly to see a specialist.
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