Telmed

With each new health problem, policyholders first contact an information line before consulting a physician. There they will be given information by medical specialistsbout how to deal with the problem or will be referred to a doctor, the hospital or a therapist.

Such telephone consultations aim to cut costs. Holders of the Telmed insurance model pay up to 15% lower premiums than holders of standard basic insurance.

Health insurance Name of model Partner Number Possibility of expulsion* Special features
Atupri TelFirst Medgate 0844 844 777 Yes
Avanex Premed 24 Medgate 0800 773 633 Yes
Carena Carena 24 Medi24 0800 227 362 Yes
Compact Compact One Medgate 0844 111 365 Yes
Groupe Mutuel Sanatel Medi24 0800 726 283 Yes All Groupe Mutuel insurance companies offer this product
Helsana Premed 24 Medgate 0800 773 633 Yes Also applies to subsidiary companies Aerosana, Avanex, Progrès and Sansan
Innova Telcare Medgate 0844 000 911 Yes If telephone helpline is not consulted, only 50% of the costs are covered.
Innova Telgate Medgate 0844 911 222 Yes If telephone helpline is not consulted, only 50% of the costs are covered.
Innova Wallis
(former KK Saastal)		 Telcare Medgate 0844 000 911 Yes If telephone helpline is not consulted, only 50% of the costs are covered.
Innova Wallis
(former KK Saastal)		 Telgate Medgate 0844 911 222 Yes If telephone helpline is not consulted, only 50% of the costs are covered.
Intras FirstCall Medgate 058 277 77 77 Yes If telephone helpline is not consulted, only 50% of the costs are covered. The costs, however, are limited to a maximum of 5 times the annual reduction.
KK Visperterminen Telmed Medgate 0844 844 911 Yes
KPT/CPT Win.win Medgate 0844 946 946 Yes Bonus system that rewards "loyalty to the system".
Maxi.ch Casamed24 Medgate 0800 800 803 Yes
Moove Sympany Casamed24 Medgate 0844 057 057 Yes
ÖKK Casamed24 Medgate 0848 227 224 Yes If telephone helpline is not consulted, none of the costs are covered.
Progrès Premed 24 Medgate 0800 773 633 Yes
Sana 24 Med Call Medi24 Yes
Sanitas Callmed Medgate 0844 124 365 Yes
Sansan Premed 24 Medi24 0800 800 803 Yes
Sodalis Telmed Medgate 0844 844 911 Yes
Swica Telmed Own doctor-/adviser-team 044 404 86 86 Yes The health advisory line sante24 arranges appointments with the SWICA health centres or directly with a uncommitted doctor. In case of non-use of the help-line, policyholders can switch to the standard model.
Sumiswalder KK sumis24Telmed Medi24 0800 786 4724 Yes
Vivacare Med Call Medi24 Yes
Vivao Sympany Casamed24 Medgate 0844 852 852 Yes If telephone helpline is not consulted, none of the costs are covered.
Wincare Callmed Medgate 0844 124 365 Yes

* The general terms of contract envision various procedures for dealing with policyholders who consult a doctor without having called the telephone helpline. These range from coverage of the costs to demotion to the standard basic insurance (Exclusion from the Telmed model).
A telephone consultation before seeing a doctor is unnecessary for the following benefits:

  • Emergencies
  • Annual gynaecological preventative checkups
  • Examinations by an eye specialist (in some cases only for children)
  • Other services (depends on insurance company)
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