Swica FAVORIT TELMED
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Telemedicine model
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Primary care: telemedicine
General
General information:
Health insurance model «FAVORIT TELMED» of the Swiss insurance company Swica.
Health insurance model:
Telmed model: If you choose a telmed policy, you will have to contact the telemedicine hotline before every doctor visit. Telephone consultation is not required in the event of medical emergencies, gynecological examinations and treatment by eye doctors.
Choice of doctor:
You are free to choose your doctor after a primary consultation from the telemedicine hotline.
Medical partner:
Sante24.
Telmed consultation:
Recommendations made during telemedicine consultation are not binding.
Pharmacy choice:
You get free choice of pharmacy
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 138% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 754,833 people hold compulsory health insurance policies from Swica.
Additional child-discount:
Swica provides additional premium reductions from the third child onwards.
Administrative costs:
5.1% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 184 (as per the most recent BAG data).
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