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Concordia smartDoc

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Concordia smartDoc

Telemedicine model
Primary care: Application or telemedicine
Telephone fee at least CHF 50

General

General information:

Health insurance model «smartDoc» of the Swiss insurance company Concordia.

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 Concordia smartDoc requirements.

Medical partner:

Medgate.

Telmed consultation:

Recommendations made during telephonic consultations are binding.

Pharmacy choice:

You get free choice of pharmacy

Payment methods:

9.5% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
90.5% of payments are tiers payant, meaning the bills are paid directly by the insurance (Concordia).

Reimbursement:

The average waiting period before tiers garant reimbursement from Concordia is 8.25 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 Concordia is 174% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 599,412 people hold compulsory health insurance policies from Concordia.

Additional child-discount:

Concordia provides additional premium reductions from the third child onwards.

Administrative costs:

4.3% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 170 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 8.0/10 (Very good)

Helpfulness 8.2/10 (Very good)

Billing: flexibility 7.7/10 (Good)

Reimbursement: time frame 7.9/10 (Good)

Product information 7.9/10 (Good)

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