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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