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Rising premiums: The doctor can no longer be found in the family doctor model

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Health insurance models in comparison

There are various health insurance models in Switzerland, which we present below:

model	description	benefits	disadvantage
Traditional model	The traditional model is characterized by the possibility of free choice of doctor. You can decide for yourself which doctor to go to within your own canton. You can also see a specialist, for example if you have a cardiologist or a doctor Dermatologists need. The traditional model is the counterpart to the alternative models, but does not offer a free choice of doctor.	- free choice of medical doctors - little administrative effort - Additional termination date if the franchise is set at CHF 300 - no obligation to report after an emergency	- The premiums cannot be reduced.
GP model	By participating in the family doctor model, premiums are lower, savings of 20 percent or more are possible. Insured persons always have to see their general practitioner first and are treated by them referred to a specialist. The family doctor coordinates the entire treatment and thus contributes Avoiding unnecessary costs due to a possible double treatment.	- All information about the patient is available from the family doctor - Professional exchange between family doctor and specialist possible - Competition among specialists is promoted - cheaper premiums	- Restriction of the patient with regard to the free choice of specialist - Not all health insurance companies offer the family doctor model - Not all doctors are on the lists of health insurance companies - Health insurance companies avoid costs for any necessary second opinions
Telmed model	The Telmed model is still comparatively new and is not yet used everywhere. The treatment is always initiated by a telephone conversation, during which a short Advice is possible. Then it is decided what the planned treatment can look like and which examinations are necessary. Before using medical services, the Therefore, call the insured person at a contact point.	- high premium savings - Good accessibility of the contact points - Frequent savings on visiting a doctor because a solution could already be found by phone	- Misjudgments via remote diagnosis are possible - Free choice of doctor is often restricted - not recommended for major medical problems
HMO model	HMO stands for Health Maintenance Organization. Insured persons always contact their family doctor in contact with a local health center. There are also other doctors here and specialists to find, so that the treatment can often take place in one house.	- cheaper premiums (up to 25 percent) - Good flow of information through permanently assigned doctors - Diverse medical offer in HMO centers	- no free choice of doctor - few HMO offers in rural areas

model

description

benefits

disadvantage

Traditional model

The traditional model is characterized by the possibility of free choice of doctor.
You can decide for yourself which doctor to go to within your own canton.
You can also see a specialist, for example if you have a cardiologist or a doctor
Dermatologists need. The traditional model is the counterpart to the alternative models,
but does not offer a free choice of doctor.

- free choice of medical doctors
- little administrative effort
- Additional termination date if the franchise is set at CHF 300
- no obligation to report after an emergency

- The premiums cannot be reduced.

GP model

By participating in the family doctor model, premiums are lower, savings of 20 percent
or more are possible. Insured persons always have to see their general practitioner first and are treated by them
referred to a specialist. The family doctor coordinates the entire treatment and thus contributes
Avoiding unnecessary costs due to a possible double treatment.

- All information about the patient is available from the family doctor
- Professional exchange between family doctor and specialist possible
- Competition among specialists is promoted
- cheaper premiums

- Restriction of the patient with regard to the free choice of specialist
- Not all health insurance companies offer the family doctor model
- Not all doctors are on the lists of health insurance companies
- Health insurance companies avoid costs for any necessary second opinions

Telmed model

The Telmed model is still comparatively new and is not yet used everywhere. The treatment
is always initiated by a telephone conversation, during which a short
Advice is possible. Then it is decided what the planned treatment can look like and
which examinations are necessary. Before using medical services, the
Therefore, call the insured person at a contact point.

- high premium savings
- Good accessibility of the contact points
- Frequent savings on visiting a doctor because a solution could already be found by phone

- Misjudgments via remote diagnosis are possible
- Free choice of doctor is often restricted
- not recommended for major medical problems

HMO model

HMO stands for Health Maintenance Organization. Insured persons always contact their family doctor
in contact with a local health center. There are also other doctors here
and specialists to find, so that the treatment can often take place in one house.

- cheaper premiums (up to 25 percent)
- Good flow of information through permanently assigned doctors
- Diverse medical offer in HMO centers

- no free choice of doctor
- few HMO offers in rural areas

Health insurance companies in Switzerland: an overview

The following table shows the Swiss health insurance companies and a calculation example for an insured person. He was born in 1970 and chose a franchise of CHF 2,500 for his basic insurance.

insurance	address	phone	Number of insured	Canton	Price example per month in CHF
Assura	Avenue Charles Ferdinand Ramuz 70 1009 Pully	021 721 44 11	around 1.1 million	all	264,90
Atupri health insurance	Zieglerstrasse 29, 3000 Bern 65	031 555 09 11	not known	all	294,60
Avenir health insurance AG	Rue de Cedres 5, 1919 Martigny	0848 803 111	around 1.4 million	all	289,10
Concordia	Bundesplatz 15, 6002 Lucerne	041 228 01 11	not known	all	392,70
CSS health insurance AG	Tribschenstrasse 21, 6002 Lucerne	058 277 11 11	around 1.3 million	all	418,20
Easy Sana health insurance AG	Rue de Cedres 5, 1919 Martigny	0848 803 111	around 200,000	all	316,20
Helsana Insurance Ltd	Zürichstrasse 130, 8600 Dübendorf	043 340 11 11	around 1.9 million	all	379,20
Intras health insurance AG	Tribschenstrasse 21, 6002 Lucerne	058 277 11 11	not known	all	385,70
KPT health insurance AG	Wankdorfallee 3, 3014 Bern	058 310 91 11	not known	all	396,80
Birchmeier health insurance	Hauptstrasse 22, 5444 Künten	056 485 60 40	around 4,500	all
ÖKK health insurance	Bahnhofstrasse 13, 7302 Landquart	058 456 10 10	around 395,000	all	360,30
Philos health insurance AG	Rue de Cedres 5, 1919 Martigny	0848 803 111	around 260,000	all	384,10
Progrès health insurance AG	Zürichstrasse 130, 8600 Dübendorf	043 340 11 12	around 1.9 million	all	288,30
Sanitas Grundversicherungen AG	Jägergasse 3, 8021 Zurich	044 298 63 00	around 820,000	all	317,40
Swica health insurance AG	Römerstrasse 38, 8401 Winterthur	052 244 22 33	not known	all	333,50
Agrisano health insurance AG	Laurstrasse 10 5201 Brugg	056 461 71 11	around 150,000	all	325,50
AMB Assurances SA	Route de Verbier 13, 1934 Le Châble	058 758 60 70	around 13,400	all	383,20
Aquilana insurance	Bruggerstrasse 46, 5400 Baden	056 203 44 44	around 42,000	all	310,90
Arcosana insurance	Tribschenstrasse 21, 6005 Lucerne	058 277 11 11	around 1.7 million	all	353,10
Caisse-maladie Vallée d'Entremont	Place Centrale 5, 1937 Orsieres	027 783 25 87	not known	Wallis
Cassa da malsauns LUMNEZIANA	Sumsiaras 117B, 7144 Lumnezia	081 931 35 35	not known	Grisons
Compact Grundversicherungen AG	Jägergasse 3, 8004 Zurich	044 298 63 00	around 70,000	all	368,40
EGK health insurance	Brislachstrasse 2, 4242 Laufen	061 765 51 11	around 85,000	all	371,10
Einsiedler health insurance	Hauptstrasse 61, 8840 Einsiedeln	055 412 23 18	around 4,000	Lucerne, Glarus, Nidwalden, St. Gallen, Obwalden, Schwyz, Uri, Zurich, Zug	433,80
GALENOS AG	Militaerstrasse 36, 8004 Zurich	044 245 88 88	around 14,200	all	355,40
Glarus Health Insurance Cooperative	Sernftalstrasse 33, 8762 Schwanden	055 642 25 25	around 7,700	Glarus, St. Gallen, Schwyz
Steffisburg Health Insurance Cooperative	Unterdorfstrasse 37, 3612 Steffisburg	033 439 40 20	around 8,700	Aargau, Bern, Nidwalden, Obwalden, Zurich, Solothurn
Bern commercial health insurance	Neuengasse 20, 3011 Bern	031 310 11 11	not known
HOTELA health insurance	Rue de la Gare 18, 1820 Montreux	021 962 49 49	not known	all
KKV health insurance company Visperterminen	Service center, 3932 Visperterminen	027 948 00 50	around 4,400	Valais, region 2
KLuG health insurance	Gubelstrasse 22, 6300 Zug	041 724 32 78	around 4,500	all	362,55
Kolping Krankenkasse AG	Spiegelgasse 12, 4002 Basel	044 824 80 70	around 11,700	all	398,30
Health insurance institute Ingenbohl	Postfach 57, 8840 Einsiedeln	041 825 22 37	around 628	Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Geneva, Graubünden, Jura, Lucerne, Nidwalden, Obwalden, St. Gallen, Solothurn, Schwyz, Thurgau, Ticino, Uri, Vaud, Valais, Zug, Zurich
Health insurance Lucerne hinterland	Luzernstrasse 19, 6144 Zell	041 989 70 00	around 21,200	Aargau, Bern, Lucerne, Nidwalden, Obwalden, Solothurn, Schwyz, Uri, Zug, Zurich	351,95
Simplon health insurance	Sheet 1 3907 Simplon	027 979 14 39	not known	Simplon district
SLKK health insurance	Hofwiesenstrasse 370, 8050 Zurich	044 368 70 30	around 21,000	Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Glarus, Graubünden, Lucerne, Nidwalden, Obwalden, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Zug, Zurich, Wallis Region 2	295,30
Stoffel health insurance	Bahnhofstrasse 63, 8887 Mels	081 723 56 09	around 1,200	Glarus, Graubünden, St. Gallen
KSM health insurance Switzerland	Dielsdorferstrasse 1, 8173 Neerach	043 433 20 40	not known
KVF health insurance AG	Bahnhofstrasse 13, 7302 Landquart	058 456 10 10	around 11,800	all	360,30
Moove Sympany AG	Spiegelgasse 12, 4002 Basel	058 262 30 00	around 8,300	all	384,50
Mutuel health insurance AG	Rue des Cedres 5, 1920 Martigny	0848 803 111	around 373,500	Alles	309,20
PROVITA	Römerstrasse 38, 8400 Winterthur	052 244	around 69,800	all	326,80
Rhenusana	Heinrich-Wild-Strasse 210, 9435 Heerbrugg	071 727 88 00	around 9,000	all	378,70
Sana24 AG	Weltpoststrasse 17-21, 3000 Bern	031 357 91 11	around 63,500	all	323,50
Sanagate AG	Tribschenstrasse 21, 6005 Lucerne	0800 347 358	around 98,000	all	339,10
sanaval's health fund	Valléstrasse 146E, 7132 Vals	081 935 11 44	around 4,000	Grisons
Sodalis health group	Balfrinstrasse 15, 3930 Visp	027 948 14 00	around 36,000	Bern, Valais
Wädenswil Health Insurance Foundation	Schönenbergstrasse 28, 8820 Waedenswil	043 477 71 71	around 11,000	Aargau, Schwyz, Zug, Zurich	308,80
Sumiswalder health insurance	Spitalstrasse 47, 3454 Sumiswald	034 432 30 60	around 26,000	Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Glarus, Graubünden, Lucerne, Nidwalden, Obwalden, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Valais, Zug, Zurich	358,90
SUPRA 1846 SA	Rue des Cedres 5, 1920 Martigny	0848 803 111	around 148,600	all	445,30
Visana AG	Weltpoststrasse 17-21, 3000 Bern	031 357 91 11	around 471,700	all	343,70
Vita surselva	Bahnhofstrasse 33, 7130 Ilanz	081 925 61 60	around 3,200	all	376,50
Vivacare AG	Weltpoststrasse 17-21, 3000 Bern	031 357 91 11	around 45,200	all	443,30
Vivao Sympany AG	Spiegelgasse 12, 4002 Basel	058 262 42 00	around 149,600	all	297,30

insurance

address

phone

Number of insured

Canton

Price example per month in CHF

Assura

Avenue Charles Ferdinand Ramuz 70 1009 Pully

021 721 44 11

around 1.1 million

all

264,90

Atupri health insurance

Zieglerstrasse 29, 3000 Bern 65

031 555 09 11

not known

all

294,60

Avenir health insurance AG

Rue de Cedres 5, 1919 Martigny

0848 803 111

around 1.4 million

all

289,10

Concordia

Bundesplatz 15, 6002 Lucerne

041 228 01 11

not known

all

392,70

CSS health insurance AG

Tribschenstrasse 21, 6002 Lucerne

058 277 11 11

around 1.3 million

all

418,20

Easy Sana health insurance AG

Rue de Cedres 5, 1919 Martigny

0848 803 111

around 200,000

all

316,20

Helsana Insurance Ltd

Zürichstrasse 130, 8600 Dübendorf

043 340 11 11

around 1.9 million

all

379,20

Intras health insurance AG

Tribschenstrasse 21, 6002 Lucerne

058 277 11 11

not known

all

385,70

KPT health insurance AG

Wankdorfallee 3, 3014 Bern

058 310 91 11

not known

all

396,80

Birchmeier health insurance

Hauptstrasse 22, 5444 Künten

056 485 60 40

around 4,500

all

ÖKK health insurance

Bahnhofstrasse 13, 7302 Landquart

058 456 10 10

around 395,000

all

360,30

Philos health insurance AG

Rue de Cedres 5, 1919 Martigny

0848 803 111

around 260,000

all

384,10

Progrès health insurance AG

Zürichstrasse 130, 8600 Dübendorf

043 340 11 12

around 1.9 million

all

288,30

Sanitas Grundversicherungen AG

Jägergasse 3, 8021 Zurich

044 298 63 00

around 820,000

all

317,40

Swica health insurance AG

Römerstrasse 38, 8401 Winterthur

052 244 22 33

not known

all

333,50

Agrisano health insurance AG

Laurstrasse 10 5201 Brugg

056 461 71 11

around 150,000

all

325,50

AMB Assurances SA

Route de Verbier 13, 1934 Le Châble

058 758 60 70

around 13,400

all

383,20

Aquilana insurance

Bruggerstrasse 46, 5400 Baden

056 203 44 44

around 42,000

all

310,90

Arcosana insurance

Tribschenstrasse 21, 6005 Lucerne

058 277 11 11

around 1.7 million

all

353,10

Caisse-maladie Vallée d'Entremont

Place Centrale 5, 1937 Orsieres

027 783 25 87

not known

Wallis

Cassa da malsauns LUMNEZIANA

Sumsiaras 117B, 7144 Lumnezia

081 931 35 35

not known

Grisons

Compact Grundversicherungen AG

Jägergasse 3, 8004 Zurich

044 298 63 00

around 70,000

all

368,40

EGK health insurance

Brislachstrasse 2, 4242 Laufen

061 765 51 11

around 85,000

all

371,10

Einsiedler health insurance

Hauptstrasse 61, 8840 Einsiedeln

055 412 23 18

around 4,000

Lucerne, Glarus, Nidwalden, St. Gallen, Obwalden, Schwyz, Uri, Zurich, Zug

433,80

GALENOS AG

Militaerstrasse 36, 8004 Zurich

044 245 88 88

around 14,200

all

355,40

Glarus Health Insurance Cooperative

Sernftalstrasse 33, 8762 Schwanden

055 642 25 25

around 7,700

Glarus, St. Gallen, Schwyz

Steffisburg Health Insurance Cooperative

Unterdorfstrasse 37, 3612 Steffisburg

033 439 40 20

around 8,700

Aargau, Bern, Nidwalden, Obwalden, Zurich, Solothurn

Bern commercial health insurance

Neuengasse 20, 3011 Bern

031 310 11 11

not known

HOTELA health insurance

Rue de la Gare 18, 1820 Montreux

021 962 49 49

not known

all

KKV health insurance company Visperterminen

Service center, 3932 Visperterminen

027 948 00 50

around 4,400

Valais, region 2

KLuG health insurance

Gubelstrasse 22, 6300 Zug

041 724 32 78

around 4,500

all

362,55

Kolping Krankenkasse AG

Spiegelgasse 12, 4002 Basel

044 824 80 70

around 11,700

all

398,30

Health insurance institute Ingenbohl

Postfach 57, 8840 Einsiedeln

041 825 22 37

around 628

Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Geneva, Graubünden, Jura, Lucerne, Nidwalden, Obwalden, St. Gallen, Solothurn, Schwyz, Thurgau, Ticino, Uri, Vaud, Valais, Zug, Zurich

Health insurance Lucerne hinterland

Luzernstrasse 19, 6144 Zell

041 989 70 00

around 21,200

Aargau, Bern, Lucerne, Nidwalden, Obwalden, Solothurn, Schwyz, Uri, Zug, Zurich

351,95

Simplon health insurance

Sheet 1 3907 Simplon

027 979 14 39

not known

Simplon district

SLKK health insurance

Hofwiesenstrasse 370, 8050 Zurich

044 368 70 30

around 21,000

Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Glarus, Graubünden, Lucerne, Nidwalden, Obwalden, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Zug, Zurich, Wallis Region 2

295,30

Stoffel health insurance

Bahnhofstrasse 63, 8887 Mels

081 723 56 09

around 1,200

Glarus, Graubünden, St. Gallen

KSM health insurance Switzerland

Dielsdorferstrasse 1, 8173 Neerach

043 433 20 40

not known

KVF health insurance AG

Bahnhofstrasse 13, 7302 Landquart

058 456 10 10

around 11,800

all

360,30

Moove Sympany AG

Spiegelgasse 12, 4002 Basel

058 262 30 00

around 8,300

all

384,50

Mutuel health insurance AG

Rue des Cedres 5, 1920 Martigny

0848 803 111

around 373,500

Alles

309,20

PROVITA

Römerstrasse 38, 8400 Winterthur

052 244

around 69,800

all

326,80

Rhenusana

Heinrich-Wild-Strasse 210, 9435 Heerbrugg

071 727 88 00

around 9,000

all

378,70

Sana24 AG

Weltpoststrasse 17-21, 3000 Bern

031 357 91 11

around 63,500

all

323,50

Sanagate AG

Tribschenstrasse 21, 6005 Lucerne

0800 347 358

around 98,000

all

339,10

sanaval's health fund

Valléstrasse 146E, 7132 Vals

081 935 11 44

around 4,000

Grisons

Sodalis health group

Balfrinstrasse 15, 3930 Visp

027 948 14 00

around 36,000

Bern, Valais

Wädenswil Health Insurance Foundation

Schönenbergstrasse 28, 8820 Waedenswil

043 477 71 71

around 11,000

Aargau, Schwyz, Zug, Zurich

308,80

Sumiswalder health insurance

Spitalstrasse 47, 3454 Sumiswald

034 432 30 60

around 26,000

358,90

SUPRA 1846 SA

Rue des Cedres 5, 1920 Martigny

0848 803 111

around 148,600

all

445,30

Visana AG

Weltpoststrasse 17-21, 3000 Bern

031 357 91 11

around 471,700

all

343,70

Vita surselva

Bahnhofstrasse 33, 7130 Ilanz

081 925 61 60

around 3,200

all

376,50

Vivacare AG

Weltpoststrasse 17-21, 3000 Bern

031 357 91 11

around 45,200

all

443,30

Vivao Sympany AG

Spiegelgasse 12, 4002 Basel

058 262 42 00

around 149,600

all

297,30

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