Krankenkasse Birchmeier Hausarztsystem
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Family doctor model
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Primary care: family doctor
General
General information:
Health insurance model «Hausarztsystem» of the Swiss insurance company Krankenkasse Birchmeier.
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 Birchmeier health insurer doctor list.
Medical partner:
Argomed, Ärztenetz Nordwest, Centramed, Doccare, Docnet, Hapmed, HARESO, HAV Schwyz, Hawa, iNetz, localmed, Medbase, MediX, mediX luzern, mediX winterthur, mednetbern, Monvia, zimdoc, zmed, Zolamed, Zürcher Gesundheitsnetz.
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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