Visperterminen Telmed

  • Telemedicine model

  • Primary care: telemedicine

  • Telmed recommendations are binding

General

General information:

Health insurance model «Telmed» of the Swiss insurance company Visperterminen.

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:
You are free to choose your doctor after a primary consultation from the telemedicine hotline.
Medical partner:
Medgate.
Telmed consultation:
Recommendations made during telephonic consultations are 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 Visperterminen is 301% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 4271 people hold compulsory health insurance policies from Visperterminen.
Additional child-discount:
Visperterminen provides additional premium reductions from the third child onwards.
Administrative costs:
6.4% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 188 (as per the most recent BAG data).

Customer satisfaction

General satisfaction Not specified.
Helpfulness Not specified.
Billing: flexibility Not specified.
Reimbursement: time frame Not specified.
Product information Not specified.

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