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Swica FAVORIT SANTE

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Swica FAVORIT SANTE

HMO model
Primary care: HMO center

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General

General information:

Health insurance model «FAVORIT SANTE» of the Swiss insurance company Swica.

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 Swica.

Pharmacy choice:

You get free choice of pharmacy

Number of policyholders:

A total of 813,080 people hold compulsory health insurance policies from Swica.

Additional child-discount:

Swica provides additional premium reductions from the third child onwards.

Administrative costs:

4.8% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 200 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 8.0/10 (Very good)

Helpfulness 8.0/10 (Very good)

Billing: flexibility 7.7/10 (Good)

Reimbursement: time frame 8.0/10 (Very good)

Product information 7.8/10 (Good)

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Swiss online bank with FINMA license

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Banking partner: Swissquote
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Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days
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