Basic Insurance
What does basic insurance cover?
Mandatory basic insurance (KVG) covers the same medically necessary services for everyone. What's included — and what's not.
Costs & Insurance / Basic Insurance
Generally covered
- Treatment by doctors and in hospital (general ward in canton of residence)
- Medications on the Specialties List (see below)
- Medically prescribed physiotherapy and other therapies
- Maternity: prenatal care, delivery, postnatal check-ups
- Emergencies and medically necessary examinations
- Certain preventive and early detection examinations
- Hospital treatment outside your canton of residence without medical reason — covered up to the rate of your canton of residence; you or your supplementary insurance pay the rest
Generally NOT covered
- Dental treatment (except for certain diseases)
- Glasses and contact lenses (adults, with few exceptions)
- Purely cosmetic procedures
- Private room and additional comfort in hospital (subject to supplementary insurance)
- Most medications not listed on the Specialties List
Is my medication reimbursed?
For every medication approved in Switzerland, we show on its page whether basic insurance covers it — including co-payment and any Limitatio (prior authorization requirement).
Search medication →Source: BAG Specialties List · As of October 2, 2026