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Assura PharMed

Family doctor model
Primary care: family doctor

General

General information:

Health insurance model «PharMed» of the Swiss insurance company Assura.

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 Assura doctor list.

Pharmacy choice:

Choice of pharmacies is limited to those on the Assura PharMed pharmacy list.

Number of policyholders:

A total of 682,061 people hold compulsory health insurance policies from Assura.

Additional child-discount:

Assura provides additional premium reductions from the second child onwards.

Administrative costs:

6.7% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 262 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 7.2/10 (Satisfactory)

Helpfulness 7.3/10 (Satisfactory)

Billing: flexibility 7.0/10 (Acceptable)

Reimbursement: time frame 7.3/10 (Satisfactory)

Product information 7.3/10 (Satisfactory)

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