Standard (free choice of doctor)
You typically go directly to any doctor or specialist of your choice. Greatest freedom, usually the highest premium.
Route to specialist: No fixed initial point of contact required.
Insurance Models
Which insurance model suits you?
All models offer the same basic benefits — they differ in whom you contact first. Those who commit to an initial point of contact save on premiums.
Costs & Insurance / Insurance Models
Family doctor model
You choose a fixed general practitioner whom you contact first and who refers you when needed. Significantly lower premium.
Route to specialist: Specialist usually only after referral by the GP practice.
HMO
The first route typically leads to a group practice (Health Maintenance Organization). Often the lowest premium.
Route to specialist: Referral occurs within the HMO practice.
Telmed
Usually, you first call a medical telephone advice line before seeing a doctor, and they will refer you further; depending on the insurance product, there are exceptions, for example for emergencies. Low premium, independent of location.
Route to specialist: Telephone initial assessment before visiting a practice.
We clarify in conversation which language you would like to be treated in — and show you the practices that fit your model. You'll find out on the phone whether a practice is accepting new patients. In doing so, we take into account the rules of your insurance model that are known to us; however, the exact rules, exceptions, and approved healthcare providers depend on the specific product. The insurance conditions of your health insurance company are binding.