Telmed Insurance Model

Understanding the telemedicine-based insurance model and how it can help you save on premiums while ensuring quality healthcare.

Key Features

Initial Phone Consultation

Required to call a 24/7 hotline before seeing a doctor, going to hospital, or pharmacy

Premium Savings

15-20% lower premiums compared to standard basic health insurance premiums

Wide Availability

Offered by most major Swiss health insurance providers

How Telmed Works

  1. 1

    Initial Contact

    Call the medical hotline when you experience health issues

  2. 2

    Professional Assessment

    Medical professionals evaluate your condition over the phone

  3. 3

    Referral Decision

    If needed, you'll be referred to a doctor or hospital

Advantages

Cost Savings

Significant premium reductions of 15-20% compared to standard insurance

24/7 Availability

Medical advice available around the clock through the hotline

Professional Guidance

Expert medical advice and appropriate referrals when needed

Potential Drawbacks

Limited Direct Access

Cannot directly visit doctors or hospitals without prior consultation

Potential Penalties

Risk of coverage rejection or policy changes for non-compliance

Diagnosis Limitations

Phone diagnosis may not be as accurate as in-person consultation

Exceptions

Phone consultation is not required for:

  • Emergency situations
  • Annual gynecological check-ups
  • Ophthalmologist examinations
  • Other services (depending on insurance company)

Note: Specific exceptions may vary by insurance provider. Always check your policy details.

Is the Telmed model right for you?

Get expert guidance to find the best insurance model for your needs