Klug 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 Klug.
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:
9% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
91% of payments are tiers payant, meaning the bills are paid directly by the insurance (Klug).
91% of payments are tiers payant, meaning the bills are paid directly by the insurance (Klug).
Reimbursement:
The average waiting period before tiers garant reimbursement from Klug is 4 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 Klug is 43% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 9024 people hold compulsory health insurance policies from Klug.
Additional child-discount:
Klug does not offer additional premium reductions for more than one child.
Administrative costs:
4.7% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 165 (as per the most recent BAG data).
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