Basic insurance and high cost insurance

Mandatory health care insurance is available in two variants, the ordinary option MHC BASIC and the extended version MHC PLUS. Each of these variants is divided into a basic insurance, which covers benefits up to CHF 5,000 per year, and a high cost insurance, which covers benefits from CHF 5,000 per year.


The deductible and retention fee must be paid only in the basic insurance. That is why on your insurance policy, the premiums for these two insurance types are shown separately. The benefits on the statement of benefits, on the contrary, are not divided into basic and high cost insurance.