KPTwin.plus
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HMO model
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Primary care: HMO center
General
General information:
Health insurance model «KPTwin.plus» of the Swiss insurance company KPT.
Health insurance model:
HMO model: As an HMO policy holder, you are required to get medical consultation from a doctor at an eligible HMO center before receiving further treatment. Your HMO center may then refer you to specialists, therapists or hospitals. A primary consultation from an HMO center is not necessary in the event of medical emergencies, gynecological examinations and treatments by eye doctors.
Choice of doctor:
Your choice of general practitioners is limited to doctors at HMO health centers which partner with KPT.
Medical partner:
Argomed, Ärztenetzwerk Thurgau, Beodocs, Centramed, Grisomed, Hapmed, HARESO, HAV Schwyz, HAV-SH, Igomed, Medbase, MediX, MedNet Biel-Bienne, mednetbern, Réseau Delta, RhyMed, Sanacare, xundart, zimdoc, zmed, Zolamed.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
20% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
80% of payments are tiers payant, meaning the bills are paid directly by the insurance (KPT).
80% of payments are tiers payant, meaning the bills are paid directly by the insurance (KPT).
Reimbursement:
The average waiting period before tiers garant reimbursement from KPT is 5 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 KPT is 93% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 357,095 people hold compulsory health insurance policies from KPT.
Additional child-discount:
KPT does not offer additional premium reductions for more than one child.
Administrative costs:
5.3% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 242 (as per the most recent BAG data).
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