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Visana Med Direct

Family doctor model
Primary care: family doctor

General

General information:

Health insurance model «Visana Med Direct» of the Swiss insurance company Visana.

Health insurance model:

Family doctor model: When you use a family doctor policy, you are required to visit your relevant family doctor first. Your doctor may then refer you to specialists, therapists or hospitals. A primary consultation from your doctor is not necessary in the event of medical emergencies, gynecological examinations and treatments by eye doctors.

Choice of doctor:

Your choice of family doctor is limited to just one doctor from the Visana doctor list.

Medical partner:

Doccare, Docnet, Hawa, Luganocare, mednetbern, Monvia, Seelandnet, Zürcher Gesundheitsnetz.

Pharmacy choice:

You get free choice of pharmacy

Payment methods:

20% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
80% of payments are tiers payant, meaning the bills are paid directly by the insurance (Visana).

Reimbursement:

The average waiting period before tiers garant reimbursement from Visana is 8 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 Visana is 216% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 492,036 people hold compulsory health insurance policies from Visana.

Additional child-discount:

Visana provides additional premium reductions from the third child onwards.

Administrative costs:

3.6% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 161 (as per the most recent BAG data).