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Basic insurance with free choice of doctor

With SWICA’s traditional Standard basic insurance plan, you are free to choose your own doctor. Find out here which other benefits you can also enjoy.

Product highlights

Choose the doctor you want to see.
24-hour customer service hotline, available 365 days a year

How the standard model works

The classic form of mandatory basic insurance covers you for the cost of outpatient treatment and treatment in the general ward of a contract hospital in your canton of residence.

You have a free choice of doctor anywhere in Switzerland and can consult your doctor directly
Initial consultation from the doctors and medical specialists of santé24 telemedicine centre on +41 44 404 86 86 also possible any time
Optimise your premiums: switch to one of the alternative basic insurance models and benefit from attractive premium discounts

To the alternative models

How much does SWICA Standard basic insurance cost?

Your premium is calculated based on your age, your place of residence and your chosen excess. Calculate your premium now and take out health insurance online – it’s quick and easy.

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Brochure and insurance conditions downloads

Overview of benefits – all offers

General Insurance Conditions (GIC) KVG

Smart savings with a combination of SWICA basic and supplementary insurance

SWICA is the only health insurer that offsets the cost-sharing from its basic insurance against the cost-sharing of its SWICA supplementary insurance plans. As a result, the maximum annual out-of-pocket contribution is generally lower than with other health insurers. Learn more.

Enhance your basic insurance model

With SWICA’s range of supplementary insurance plans, you can extend the protection provided by your basic insurance. Benefit from greater comfort, more privacy and free choice of hospital, as well as attractive contributions towards sports activities, glasses and your personal well-being.

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Hospitalisation insurance, for more peace of mind if the worst happens

Find out how to get the best cover and care with hospitalisation insurance from SWICA.

Compare hospital insurance plans

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Overview

Complementary medicine, fitness, vaccinations, dental health, glasses, hospitalisation insurance and more: with supplementary insurance from SWICA you can extend your cover to suit your individual needs and receive generous contributions towards health promotion and preventive healthcare.

Go to the supplementary insurance plans

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Optimise & Save

Choose an alternative model for your basic insurance or benefit from lower co-payments with SWICA supplementary insurance. Discover more attractive options for optimising your premium.

Find out more

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More benefits for our customers: discounted offers from partner organisations

Numerous destinations and offers are waiting to be discovered. Thanks to around 100 active4life benefit offers, SWICA policyholders enjoy attractive discounts from selected partners in the areas of leisure, nutrition, health, sport and wellness.

Discover all the details now.

Frequently asked questions about Standard basic insurance

This is where you will find answers to the key questions about SWICA Standard basic insurance.

You can enjoy attractive premium discounts by choosing an alternative basic insurance model.
You can also cut your basic insurance premiums by increasing your excess.
SWICA also offers family discounts for children and young people along with other ways to optimise your premium.

In addition, you can benefit from lower co-payments if you have also taken out any supplementary insurance policies with SWICA. SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, making your maximum annual co-payment significantly lower than with other health insurers.

Discover all the ways to optimise your premiums

Read more about combining and saving