All health insurers providing compulsory healthcare insurance must assume the same scope of benefits as provided by law: according to the law, the LAMal only provides efficient, practical and economical services.
Basic insurance is compulsory and constitutes a form of health insurance. The LAMal plans to cover all costs related to the complete treatment of an illness, including necessary diagnostic measures, medications, preventive care, follow-up care, etc.
This basic insurance therefore covers the costs of necessary treatment and medication. Compulsory insurance offers the same benefits in all insurance companies. For additional services or broader coverage, it is possible to take out additional insurance (note that the conditions differ from one fund to another).
Good to know: Helsana offers the lowest and most stable premiums on average.
In recent years, we have always paid more and more for our compulsory insurance. In 2022, this trend is starting to reverse: some funds are even offering premium reductions.