Standard model
In one sentence
The unrestricted model: you see the doctor or specialist of your choice, with no gatekeeper.
What it changes for you
It is the most expensive model because it is the freest. It remains justified if you see several specialists, live between two cantons, or want to answer to no one about your care pathway. Alternative models cost 10 to 25 % less but impose a first point of contact — that is the real trade-off.