Explainer 2026
What basic insurance actually covers
Identical everywhere by law — so what are you actually comparing?
Basic cover is defined federally. Understanding that changes how you compare insurers.
The steps
-
The coverage is set by law
It does not vary between insurers.
-
What does vary
Premium, service, and the model you choose.
-
Where supplementary begins
Comfort, choice and treatments outside the mandatory catalogue.
The traps to avoid
Trap 01
Comparing coverage between insurers
For basic cover there is nothing to compare — it is the same.
Trap 02
Confusing model with coverage
A restricted model changes access, not entitlement.
Common mistakes
- Paying more for basic cover expecting better coverage.
- Overlooking the model discount.
Frequently asked
Is emergency treatment abroad included?
Basic insurance includes defined emergency cover abroad; the limits are worth understanding.
Want a second pair of eyes?
If any step above does not map cleanly onto your situation, that is usually the point worth a conversation.
Demo guide. General information only — confirm the current rules before acting.