Groupe Mutuel PrimaFlex

  • Multiple: Telemedicine/pharmacy/family doctor

  • Primary care: Telemedicine/pharmacy/family doctor

General

General information:

Health insurance model «PrimaFlex» of the insurance company Groupe Mutuel.

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 doctors is limited by Groupe Mutuel PrimaFlex requirements.
Medical partner:
Medgate.
Telmed consultation:
Recommendations made during telemedicine consultation are not binding.
Pharmacy choice:
Choice of pharmacies is limited to those on the Groupe Mutuel PrimaFlex pharmacy list.
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 (Groupe Mutuel).
Reimbursement:
The average waiting period before tiers garant reimbursement from Groupe Mutuel 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 Groupe Mutuel is 97% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 296,991 people hold compulsory health insurance policies from Groupe Mutuel.
Additional child-discount:
Not specified.
Administrative costs:
4.6% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 230 (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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