Rhenusana Hausarzt-Modell
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Family doctor model
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Primary care: family doctor
General
General information:
Health insurance model «Hausarzt-Modell» of the Swiss insurance company Rhenusana.
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 Rhenusana doctor list.
Medical partner:
Argomed, DOXnet, Grisomed, Hapmed, HAV Schwyz, HAV-SH, localmed, PizolCare, RhyMed, zimdoc, zmed, Zolamed.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
Not specified.
Reimbursement:
Not specified.
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 Rhenusana is 110% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 10,321 people hold compulsory health insurance policies from Rhenusana.
Additional child-discount:
Rhenusana provides additional premium reductions from the third child onwards.
Administrative costs:
6.4% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 203 (as per the most recent BAG data).
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