Assura PreventoMed

  • Multiple: Telemedicine/pharmacy/family doctor

  • Primary care: Telemedicine/pharmacy/family doctor

General

General information:

Health insurance model «PreventoMed» of the insurance company Assura. There is no deductible for certain preventive examinations.

Health insurance model:
Pharmacy model: Holders of pharmacy-model policies are required to visit pre-specified pharmacies as a first stop. From there they are referred to doctors, specialists, therapists, or hospitals.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the Assura doctor list.
Medical partner:
Medgate.
Pharmacy choice:
Choice of pharmacies is limited to those on the Assura PreventoMed 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).

Customer satisfaction

General satisfaction    7.1/10 (Satisfactory)
Helpfulness    7.2/10 (Satisfactory)
Billing: flexibility    6.9/10 (Acceptable)
Reimbursement: time frame    6.8/10 (Acceptable)
Product information    7.3/10 (Satisfactory)

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