Sympany casamed hmo
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HMO model
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Primary care: HMO center
General
General information:
Health insurance model «casamed hmo» of the insurance company Sympany.
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 Sympany.
Medical partner:
Ärztenetz Nordwest, Centramed, Medbase, mediX limmimed, mediX luzern, mediX säntis, mediX winterthur, Monvia, PizolCare, Réseau de Soins Neuchâtelois, 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 Sympany is 126% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 149,902 people hold compulsory health insurance policies from Sympany.
Additional child-discount:
Sympany does not offer additional premium reductions for more than one child.
Administrative costs:
6.1% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 270 (as per the most recent BAG data).
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