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, inoculations and treatments by eye doctors.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the Assura doctor list.
Choice of pharmacies is limited to those on the Assura PharMed pharmacy list.
The average waiting period before tiers garant reimbursement from Assura is 25 days.
The solvency ratio shows how available financial reserves compare to BAG minimum reserve requirements. The solvency ratio of Assura is 161% (2018, based on BAG data for 2017). The BAG minimum reserve requirement is 100%.
Number of policyholders:
A total of 936,810 people hold compulsory health insurance policies from Assura.
Assura provides additional premium reductions from the second child onwards.
6.8% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 156 (as per the most recent BAG data).