CSS Callmed
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Telemedicine model
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Primary care: telemedicine
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Free quote
General
General information:
Health insurance model «Callmed Telefonmodell» of the Swiss insurance company CSS.
Health insurance model:
Telmed model: If you choose a telmed policy, you will have to contact the telemedicine hotline before every doctor visit. Telephone consultation is not required in the event of medical emergencies, gynecological examinations and treatment by eye doctors.
Choice of doctor:
You are free to choose your doctor after a primary consultation from the telemedicine hotline.
Medical partner:
Not specified.
Telmed consultation:
Recommendations made during telephonic consultations are binding.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
10% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
90% of payments are tiers payant, meaning the bills are paid directly by the insurance (CSS).
90% of payments are tiers payant, meaning the bills are paid directly by the insurance (CSS).
Reimbursement:
The average waiting period before tiers garant reimbursement from CSS is 7.7 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 CSS is 111% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 892,916 people hold compulsory health insurance policies from CSS.
Additional child-discount:
CSS does not offer additional premium reductions for more than one child.
Administrative costs:
4.2% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 157 (as per the most recent BAG data).
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