Helsana BeneFit PLUS Flexmed R3
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Multiple: Family doctor/hmo/telemedicine
General
General information:
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 Helsana doctor list.
Pharmacy choice:
You get free choice of pharmacy
Number of policyholders:
A total of 1,290,207 people hold compulsory health insurance policies from Helsana.
Additional child-discount:
Helsana does not offer additional premium reductions for more than one child.
Administrative costs:
3.8% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 178 (as per the most recent BAG data).
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