Sanitas Medbase MultiAccess
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Multiple: HMO/pharmacy/telemedicine
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Primary care: HMO center, pharmacy or telemedicine
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General
General information:
Health insurance model «Medbase MultiAccess» of the insurance company Sanitas.
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 Sanitas.
Medical partner:
Centramed, Medbase, Medgate, Sanacare.
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).