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Sophie

The standard model, or the price of free choice

The model with no conditions: you see whoever you want, whenever you want. It is also, without exception, the most expensive of the four.

What this model costs

CHF 385.80

Lowest premium in Switzerland

CHF 583.29

Average premium

34

Insurers offering it

1

Distinct products

Adult, CHF 300 deductible, accident cover included.

No commitment. You go to a GP, a specialist or A&E without passing through anyone, and without justifying your care pathway to your insurer.

When it holds up

  • You already see several specialists and do not want to route through a first contact every time.
  • You live between two cantons, or travel a lot: no alternative model fits that life well.
  • Your current doctor is on no alternative-model list at your insurer, and you want to keep them.

What you accept in return

  • You pay the full rate: on this profile it is the most expensive model in every canton.
  • Nothing coordinates your care pathway — a freedom, but also a burden when several practitioners follow you.

Canton by canton, against free choice

CantonThis modelFree choiceMonthly gapCheapest insurer
ZugCHF 385.80CHF 385.80CHF 0.00CONCORDIA
Appenzell InnerrhodenCHF 411.00CHF 411.00CHF 0.00Agrisano
GrisonsCHF 426.00CHF 426.00CHF 0.00vita surselva
UriCHF 437.90CHF 437.90CHF 0.00Agrisano
SchwyzCHF 439.30CHF 439.30CHF 0.00Einsiedler
ObwaldenCHF 445.10CHF 445.10CHF 0.00Agrisano
NidwaldenCHF 448.10CHF 448.10CHF 0.00Agrisano
LucerneCHF 452.80CHF 452.80CHF 0.00Luzerner Hinterland
St. GallenCHF 467.00CHF 467.00CHF 0.00Agrisano
ValaisCHF 470.90CHF 470.90CHF 0.00Visperterminen
Appenzell AusserrhodenCHF 479.40CHF 479.40CHF 0.00Agrisano
ZurichCHF 488.50CHF 488.50CHF 0.00Wädenswil
GlarusCHF 493.00CHF 493.00CHF 0.00vita surselva
ThurgauCHF 499.60CHF 499.60CHF 0.00Agrisano
SchaffhausenCHF 504.40CHF 504.40CHF 0.00Agrisano
AargauCHF 519.25CHF 519.25CHF 0.00Luzerner Hinterland
BernCHF 520.40CHF 520.40CHF 0.00Agrisano
FribourgCHF 523.30CHF 523.30CHF 0.00Agrisano
SolothurnCHF 565.40CHF 565.40CHF 0.00Agrisano
Basel-LandschaftCHF 575.30CHF 575.30CHF 0.00Agrisano
VaudCHF 601.70CHF 601.70CHF 0.00Galenos
TicinoCHF 626.70CHF 626.70CHF 0.00Agrisano
JuraCHF 628.20CHF 628.20CHF 0.00Atupri
NeuchâtelCHF 655.90CHF 655.90CHF 0.00Atupri
Basel-StadtCHF 673.70CHF 673.70CHF 0.00Assura-Basis
GenevaCHF 686.70CHF 686.70CHF 0.00Assura-Basis

The insurers offering it

InsurerFromCantons
CONCORDIACHF 385.8026
AgrisanoCHF 389.7026
SLKKCHF 390.0021
Vivao SympanyCHF 392.0026
KPTCHF 401.0026
SanitasCHF 407.1026
AvenirCHF 411.8026
VisanaCHF 415.4026
MutuelCHF 416.0026
Assura-BasisCHF 417.6026
AtupriCHF 421.7026
EGKCHF 422.0026
ÖKKCHF 422.0026
GalenosCHF 425.3026
vita surselvaCHF 426.0026
CSSCHF 428.0026
curaultaCHF 429.301
HelsanaCHF 430.0026
sana24CHF 430.5026
AquilanaCHF 434.4026
SWICACHF 435.6026
EinsiedlerCHF 439.309
SumiswalderCHF 443.5021
WädenswilCHF 444.504
PhilosCHF 451.0026
Luzerner HinterlandCHF 451.1510
VisperterminenCHF 470.901
sodalisCHF 475.002
rhenusanaCHF 476.9026
SteffisburgCHF 480.6011
GlarnerCHF 516.303
AMBCHF 554.401
BirchmeierCHF 566.801
vallée d’EntremontCHF 582.601

The names you will find it under

Insurers do not sell «an HMO» or «a Telmed»: they sell a brand. Here are the most common names — if yours is listed, you know which category you are in.

  • Grundversicherung
See prices where I liveThe definition, in the glossary

The other models

2026 · OFSP / priminfo.admin.ch