HLTHYDEUTSCH
[ INSURANCE & COSTS ]

Swiss health insurance, explained simply

Everyone living in Switzerland must take out basic health insurance (KVG/LaMal) within three months of arrival. It covers medically necessary care, including visits to a family doctor like HLTHY.

How basic insurance works

You choose an annual deductible (franchise) between CHF 300 and CHF 2500. You pay medical costs yourself up to that amount per year; above it, the insurer pays and you contribute 10 percent (co-payment, capped at CHF 700 per year for adults).

Do I need a referral?

No. In Switzerland you can book a family doctor appointment directly; we refer you to specialists when needed and coordinate your care.

The family-doctor model

Most insurers offer a family-doctor model with noticeably lower premiums: you agree to see your family doctor first. HLTHY is a partner practice of the Argomed physician network and can normally be chosen as your family doctor with all major insurers; your specific plan is decisive, so confirm with your insurer.

Switching to HLTHY

Tell your insurer that HLTHY is your family doctor practice, then book a first appointment by phone, e-mail or the online request. On request we arrange the transfer of your medical records.

Costs and payment

GP services are billed to basic insurance under the Swiss medical tariff (TARMED/TARDOC); your deductible and co-payment apply. Self-pay and direct payment are possible. We accept cash, debit cards, Visa, Mastercard, American Express, Twint, Apple Pay and Google Pay.

International insurance

On request, we will check whether your international insurance can be billed. Please contact us before your appointment.

What basic insurance does not cover

Aesthetic treatments, laser treatments and VYTAL longevity services are self-pay. We discuss all costs transparently before any treatment; guide prices are published (in German) on our price page.

HLTHY Praxis Hardbrücke
Hardstrasse 235, 8005 Zürich
044 552 55 20 · hlthy.zh@hin.ch
HLTHY Praxis Eigerpark
Eigerweg 4, 3322 Urtenen-Schönbühl
031 859 93 93 · hlthy@hin.ch

Monday to Friday, 08:00–12:00 and 13:00–17:30 · Sat/Sun closed

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