Hausarztsystem or Telmed?
Birchmeier offers both: Hausarztsystem and Telmed. They are available together in 1 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 1 premium regions where both are offered, Hausarztsystem is cheaper in 1 and Telmed in 0. The average gap between them is CHF 204.00 a year.
The gap is widest in Aargau: CHF 204.00 a year.
What you accept in each case
Hausarztsystem is a "Family doctor" model. Telmed is a "Telemedicine and others" model.
- Hausarztsystem
Family doctor
You pick a family doctor and always go to them first.
- Telmed
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The comparison, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.