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Basic health insurance (KVG/LAMal) in Switzerland covers essential medical treatments, hospital stays, and prescription medications. It includes visits to general practitioners and specialists, emergency care, and maternity services. However, it typically doesn't cover dental care, private hospital rooms, or certain elective procedures.

Yes, with standard basic health insurance, you can choose any doctor in your canton of residence. However, if you opt for an alternative model like the family doctor model or HMO, you must first consult with your designated primary care physician who will refer you to specialists if needed.

You can reduce your premium by: 1) Choosing a higher deductible (franchise), 2) Selecting an alternative insurance model like the family doctor model or HMO, 3) Checking if you're eligible for premium subsidies (Prämienverbilligung), 4) Comparing and switching insurance providers during the annual window (by November 30 for the following year).