Sympany FlexHelp 24
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Multiple: HMO/telemedicine
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Primary care: HMO center or telemedicine
General
General information:
Health insurance model «FlexHelp 24» of the insurance company Sympany.
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:
Your choice of doctors is limited by Sympany FlexHelp 24 requirements.
Medical partner:
Medgate.
Telmed consultation:
Recommendations made during telemedicine consultation are not binding.
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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