What are you looking for in your choice of insurance model?

Network of physicians

I want to have a family doctor and specialists that are part of a network of physicians.

Your advantage: a reduction of up to 25 percent on premiums.

The HMO model is the right choice for you.

You receive treatment at a health centre, where various specialists work as part of a network. In the event of illness, you always contact a fixed doctor first, who then coordinates your treatment.

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Consultation with a family doctor

I am willing to always first consult a family doctor and only then go and see a specialist.

Your advantage: a reduction of about 15 to 20 percent on premiums.

The family doctor model is the right choice for you.

You agree to first consult a fixed family doctor in the event of illness. He will then refer you to a specialist if necessary. Many insurers have their own list of family doctors from which you can choose.

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Preliminary telephone consultation

I am willing to first call a medical helpline for a preliminary consultation.

Your advantage: a reduction of about 15 to 20 percent on premiums.

The Telmed model is the right choice for you.

Before seeing a doctor, you first call a telephone hotline. There, medical specialists give you advice, make recommendations and refer you to a doctor or hospital if necessary.

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