Avenir Krankenversicherung PrimaCare
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Family doctor model
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Primary care: family doctor
General
General information:
Health insurance model «PrimaCare» of the Swiss insurance company Avenir Krankenversicherung.
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 Avenir Insurance doctor list.
Medical partner:
Not specified.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
8.7% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
90.9% of payments are tiers payant, meaning the bills are paid directly by the insurance (Avenir Insurance).
90.9% of payments are tiers payant, meaning the bills are paid directly by the insurance (Avenir Insurance).
Reimbursement:
The average waiting period before tiers garant reimbursement from Avenir Insurance is 10.8 days.
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 Avenir Insurance is 116% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 175,813 people hold compulsory health insurance policies from Avenir Insurance.
Additional child-discount:
Not specified.
Administrative costs:
5.4% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 240 (as per the most recent BAG data).
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