Galenos Med Direct

Family doctor model
Primary care: family doctor

Get a free quote now >>

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).