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Krankenkasse Luzerner Hinterland Telmed

Telemedicine model
Primary care: telemedicine

General

General information:

Health insurance model «Telmed» of the insurance company Krankenkasse Luzerner Hinterland.

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 Krankenkasse Luzerner Hinterland Telmed requirements.

Medical partner:

Not specified.

Telmed consultation:

Recommendations made during telemedicine consultation are not binding.

Pharmacy choice:

You get free choice of pharmacy

Payment methods:

Not specified.

Reimbursement:

Not specified.

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 Luzerner Hinterland health insurer is 185% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 23,233 people hold compulsory health insurance policies from Luzerner Hinterland health insurer.

Additional child-discount:

Luzerner Hinterland health insurer provides additional premium reductions from the third child onwards.

Administrative costs:

3.3% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 89 (as per the most recent BAG data).