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sana24 Combi Care

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sana24 Combi Care

Multiple: Family doctor/telemedicine
Primary care: family doctor or telemedicine

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General

General information:

Health insurance model «Combi Care» of the insurance company sana24.

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 sana24 Combi Care 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:

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 (sana24).

Reimbursement:

The average waiting period before tiers garant reimbursement from sana24 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 sana24 is 135% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 76,696 people hold compulsory health insurance policies from sana24.

Additional child-discount:

sana24 provides additional premium reductions from the third child onwards.

Administrative costs:

6% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 197 (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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