Galenos Med Direct

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Galenos Med Direct

  • Family doctor model

  • Primary care: family doctor

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General

General information:

Health insurance model «Med Direct» of the insurance company Galenos.

Health insurance model:
Family doctor model: When you use a family doctor policy, you are required to visit your relevant family doctor first. Your doctor may then refer you to specialists, therapists or hospitals. A primary consultation from your doctor is not necessary in the event of medical emergencies, gynecological examinations and treatments by eye doctors.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the Galenos doctor list.
Medical partner:
Ärztenetz Nordwest, Ärztenetzwerk Thurgau, Doccare, Docnet, Hapmed, HAV Schwyz, HAV-SH, Hawa, iNetz, MediX, mediX limmimed, mediX luzern, mediX säntis, mediX winterthur, PizolCare, zimdoc, Zolamed, Zürcher Gesundheitsnetz.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
20% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
80% of payments are tiers payant, meaning the bills are paid directly by the insurance (Galenos).
Reimbursement:
The average waiting period before tiers garant reimbursement from Galenos is 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 Galenos is 208% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 14,192 people hold compulsory health insurance policies from Galenos.
Additional child-discount:
Galenos provides additional premium reductions from the third child onwards.
Administrative costs:
4.9% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 215 (as per the most recent BAG data).

Customer satisfaction

General satisfaction    8.0/10 (Very good)
Helpfulness    8.1/10 (Very good)
Billing: flexibility    7.8/10 (Good)
Reimbursement: time frame    8.2/10 (Very good)
Product information    7.7/10 (Good)

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