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vita surselva Sparmed

Family doctor model
Primary care: family doctor

General

General information:

Health insurance model «Sparmed» of the Swiss insurance company vita surselva.

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 vita surselva doctor list.

Medical partner:

Argomed, DOXnet, Grisomed, Hapmed, HAV Schwyz, localmed, MediX, mediX luzern, mediX säntis, mediX winterthur, mednetbern, PizolCare, RhyMed, zimdoc, Zolamed.

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 vita surselva is 104% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 3922 people hold compulsory health insurance policies from vita surselva.

Additional child-discount:

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

Administrative costs:

5.9% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 191 (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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vita surselva Grundversicherung

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