Sanitas basic health insurance
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Standard model
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Free choice of doctor
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Free quote
General
General information:
Health insurance model «Grundversicherung» of the Swiss insurance company Sanitas.
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:
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 Sanitas is 134% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 591,254 people hold compulsory health insurance policies from Sanitas.
Additional child-discount:
Sanitas 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 205 (as per the most recent BAG data).
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