Family doctor, Telmed or HMO: these models lower your basic premium without reducing benefits. Provided you accept a few rules.
In exchange for this pathway, the premium often falls by 10 to 20%. The reimbursed benefits, however, stay identical to those of LAMal.
Life-threatening emergencies always remain directly accessible, whatever the model.
It all depends on your relationship with your doctor and your need for flexibility. We compare the real saving for your profile.
Depending on the model and fund, the premium saving often ranges from 8 to 20% compared with the free-choice model, for identical benefits. For a family, that quickly amounts to several hundred francs a year.
No: the reimbursed benefits are the same as in the standard model, and life-threatening emergencies remain directly accessible. Only the first point of contact changes.
We analyse your situation and guide you to the best option.
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