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Avenir Krankenversicherung SanaTel

Telemedicine model
Primary care: telemedicine

General

General information:

Health insurance model «SanaTel» of the Swiss insurance company Avenir Krankenversicherung.

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:

You are free to choose your doctor after a primary consultation from the telemedicine hotline.

Medical partner:

Not specified.

Telmed consultation:

Recommendations made during telemedicine consultation are not binding.

Pharmacy choice:

You get free choice of pharmacy

Payment methods:

8.7% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
90.9% of payments are tiers payant, meaning the bills are paid directly by the insurance (Avenir Insurance).

Reimbursement:

The average waiting period before tiers garant reimbursement from Avenir Insurance is 10.8 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 Avenir Insurance is 103% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 156,325 people hold compulsory health insurance policies from Avenir Insurance.

Additional child-discount:

Not specified.

Administrative costs:

4.5% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 214 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 7.6/10 (Good)

Helpfulness 7.7/10 (Good)

Billing: flexibility 7.3/10 (Satisfactory)

Reimbursement: time frame 7.6/10 (Good)

Product information 7.5/10 (Good)

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