Groupe Mutuel 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 Groupe Mutuel.
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:
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 (Groupe Mutuel).
90.9% of payments are tiers payant, meaning the bills are paid directly by the insurance (Groupe Mutuel).
Reimbursement:
The average waiting period before tiers garant reimbursement from Groupe Mutuel 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 Groupe Mutuel is 111% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 314,841 people hold compulsory health insurance policies from Groupe Mutuel.
Additional child-discount:
Not specified.
Bonus insurance:
Groupe Mutuel Grundversicherung lets you choose claim-free discounts as an option with its compulsory health insurance policies. A 10% markup on premiums applies during your first year as a policyholder, while a discount is applied every subsequent year during which you do not make any insurance claims.
Administrative costs:
5.5% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 262 (as per the most recent BAG data).
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