Swica FAVORIT MEDPHARM
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Pharmacy model
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Primary care: pharmacy
General
General information:
Health insurance model «FAVORIT MEDPHARM» of the insurance company Swica.
Health insurance model:
Pharmacy model: Holders of pharmacy-model policies are required to visit pre-specified pharmacies as a first stop. From there they are referred to doctors, specialists, therapists, or hospitals.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the Swica doctor list.
Medical partner:
Doccare, Docnet, DOXnet, Hawa, Luganocare, Monvia, Sante24, TopPharm, Zürcher Gesundheitsnetz.
Pharmacy choice:
Choice of pharmacies is limited to those on the Swica FAVORIT MEDPHARM pharmacy list.
Payment methods:
11.6% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
88.3% of payments are tiers payant, meaning the bills are paid directly by the insurance (Swica).
88.3% of payments are tiers payant, meaning the bills are paid directly by the insurance (Swica).
Reimbursement:
The average waiting period before tiers garant reimbursement from Swica is 2.3 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 Swica is 106% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 727,810 people hold compulsory health insurance policies from Swica.
Additional child-discount:
Swica provides additional premium reductions from the third child onwards.
Administrative costs:
5.3% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 202 (as per the most recent BAG data).
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