Krankenkasse Birchmeier Grundversicherung
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Standard model
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Free choice of doctor
General
General information:
Health insurance model «Grundversicherung» of the Swiss insurance company Krankenkasse Birchmeier.
Health insurance model:
Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.
Choice of doctor:
Policyholders have free choice of doctors.
Medical partner:
Not specified.
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 Birchmeier health insurer is 262% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 3062 people hold compulsory health insurance policies from Birchmeier health insurer.
Additional child-discount:
Birchmeier health insurer provides additional premium reductions from the third child onwards.
Administrative costs:
8.2% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 458 (as per the most recent BAG data).
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