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Philos Krankenversicherung Grundversicherung

Standard model
Free choice of doctor

General

General information:

Health insurance model «Grundversicherung» of the Swiss insurance company Philos Krankenversicherung.

Health insurance model:

Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.

Choice of doctor:

Policyholders have free choice of doctors.

Medical partner:

Not specified.

Pharmacy choice:

You get free choice of pharmacy

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 (Philos).

Reimbursement:

The average waiting period before tiers garant reimbursement from Philos 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 Philos is 87% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 202,217 people hold compulsory health insurance policies from Philos.

Additional child-discount:

Not specified.

Administrative costs:

4.7% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 217 (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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Special offers for Moneyland users

Moneyland Special Offers

Up to CHF 550 Benefit

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Special offers for Moneyland users

Moneyland Special Offers

Up to CHF 550 Benefit

Amex Gold & Alpian Account

50% off the annual fee in first year
45'000 bonus points (instead of 15'000)
CHF 75 Moneyland-Bonus (Code LAND25) + CHF 50 Alpian bonus

Secure offer now

Swiss Trading Platform

Cornèrtrader Special Offer

Special offer: particularly favorable conditions for Moneyland users
No custody account fees for shares
Swiss online bank with FINMA license

Benefit now

Amex promotion until April 6

Amex Platinum Card

50% off the annual fee in the first year
Extra bonus: 75,000 instead of 45,000 Membership Rewards points
Further benefits: 10% discount on purchases in Gübelin boutiques & Up to CHF 160 Dining credit per year in over 600 GaultMillau restaurants

Secure offer now

Free bank account

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