HMO/Family Doctor Model: Who Qualifies and What You Get
Learn how choosing a restricted access health plan can help you lower your insurance premiums in Switzerland.
The HMO/Family Doctor Model is a type of health insurance plan that offers lower monthly costs in exchange for following a specific medical path.
Who it's for
This model is available to anyone who chooses to sign up for a restricted access insurance plan.
What you get
By choosing this model, you receive reduced premiums on your health insurance costs.
What it costs you
While the monthly cost is lower, you must always visit your designated GP (General Practitioner) first for your medical needs. This means you cannot go directly to a specialist without following this specific process.
The catch to know
If you move to a new home, you are required to change your designated GP to ensure you are still within your plan's network.
How to apply
- Review your different health insurance plan options.
- Select the model that includes the family doctor or HMO structure.
- Confirm your designated doctor with your insurance provider.
- Check your provider's portal for current pricing and coverage details.