Assura AssurCall

Telemedicine model
Primary care: telemedicine
Telmed recommendations are binding

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General

General information:

Health insurance model "AssurCall" from Assura.

Please note: A Medgate consultation costs an additional 79 Swiss francs (plus 50 francs surcharge at night, on Sundays and public holidays). This applies if Medgate's defined treatment plan does not provide for a consultation with a doctor outside Medgate within 24 hours.

Health insurance model:

Telmed model: If you choose a telmed policy, you will have to contact the telemedicine hotline before every doctor visit. Telephone consultation is not required in the event of medical emergencies, gynecological examinations and treatment by eye doctors.

Choice of doctor:

Your choice of doctors is limited by Assura AssurCall requirements.

Medical partner:

Medgate.

Telmed consultation:

Recommendations made during telephonic consultations are binding.

Pharmacy choice:

Choice of pharmacies is limited to those on the Assura AssurCall pharmacy list.

Payment methods:

64% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
36% of payments are tiers payant, meaning the bills are paid directly by the insurance (Assura).

Reimbursement:

The average waiting period before tiers garant reimbursement from Assura is 14 days.

Financial reserves:

The solvency ratio shows how available financial reserves compare to Federal Office of Public Health (FOPH) minimum reserve requirements. The solvency ratio of Assura is 88% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 804,064 people hold compulsory health insurance policies from Assura.

Additional child-discount:

Assura provides additional premium reductions from the second child onwards.

Administrative costs:

6.9% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 218 (as per the most recent BAG data).