Sanitas CareMed

Family doctor model
Primary care: family doctor
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General

General information:

Health insurance model «Basic CareMed» of the Swiss insurance company Sanitas.

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 Sanitas doctor list.

Medical partner:

Doccare, Docnet, Hawa, Zürcher Gesundheitsnetz.

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 Sanitas is 114% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 594,850 people hold compulsory health insurance policies from Sanitas.

Additional child-discount:

Sanitas does not offer additional premium reductions for more than one child.

Administrative costs:

5.3% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 209 (as per the most recent BAG data).