Family doctor model
In one sentence
You designate a first-contact doctor whom you consult before any other practitioner.
What it changes for you
The discount is often around 10 to 20 % depending on insurer and region. Two things matter before signing: is your current doctor on the insurer’s list, and what happens if they retire. Emergencies, gynaecology and ophthalmology are usually directly accessible — but the list of exceptions varies by insurer, and it is that list you should read.